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Submissions in,
evidence for every decision.

Slips, schedules, endorsements and claims correspondence read the day they arrive, checked against what the policy actually says. Cover, coverage and claims outcomes stay with a person, always.

The situation

A submission arrives as an email with six attachments and a covering note that contradicts one of them. Somebody reads all of it, compares the wording against the schedule, and notices the endorsement that changed a sub-limit two versions ago.

Renewals stack up in the same weeks every year. Claims correspondence arrives on its own schedule and has to be read against the policy as it stood at the date of loss, not as it stands today.

What arrives

Broker submissions and slipsRead
Policy documents and endorsementsRead
Claims correspondence and evidenceRead
Renewal instructionsRead

Read against the version in force at the relevant date. Where two documents disagree, the conflict is raised rather than resolved quietly.

Integrations →

Three roles teams start with

Checking wording against a schedule is reading work. Deciding whether something is covered is not, and the two are kept apart deliberately.

LEVEL 1Submission readerOpens the submission, extracts risk details, insured, period and limits, and files it against the right case with every attachment attached.
LEVEL 3Endorsement checkerCompares the endorsement against the schedule and the wording in force, and raises any mismatch in limits, dates or named parties as an exception.
LEVEL 4Renewal pack prepAssembles the renewal pack with the current schedule, the endorsement history and the claims experience, ready for a broker or underwriter to work from.
A floor, not a setting

Cover and coverage stay with a person

Nothing binds, quotes, accepts or declines cover autonomously. No coverage position is communicated, and no claim is accepted, repudiated or settled by an AI employee, at any trust level or configuration.

Anything that could be read as regulated advice to a client is also a floor. The reading, the comparison and the assembly are done and evidenced; the judgement and the communication are a person’s.

The five levels and their floors →
It may

Read, extract, compare wording, flag mismatches, assemble renewal and claims packs, track what is outstanding.

It may not

Bind or decline cover, quote, state a coverage position, settle or repudiate a claim, or advise a client.

One record, in full

Policy PL-88213 · endorsement 4Escalated
DID NOTDid not file the endorsement as accepted. Held it and raised a mismatch instead.
BECAUSEThe endorsement states a sub-limit of 250,000. The schedule in force states 100,000, unchanged since inception.
SOURCESEndorsement 4, the current schedule, and endorsement 2 which last altered that section.
NOTEDThe insured named on the endorsement differs by one entity from the schedule.
WITHThe account handler named on the case, with all three documents attached.

At the date of loss, the record can show which wording was in force, which endorsements applied, and what was known when a decision was taken.

Decisions and replay →

What stays with your people

Underwriting judgement

Appetite, rating, terms and whether to write the risk at all. An AI employee prepares the picture and never forms the view.

Coverage decisions

Whether a loss is covered, and what is communicated to the insured. Read by a person, decided by a person, sent by a person.

Regulated advice

Anything a client acts on. Suitability and duty of care do not delegate, and nothing here pretends otherwise.

Next industryPaperwork that moves with the freight.Delivery notes, carrier invoices and clearance documents matched to the consignment they belong to.Logistics and freight →

One renewal season, or one claims mailbox. Either is a real two weeks.