The hail hits and every insured calls at once. The AI answers all of them in one ring, takes first-notice details verbatim, routes true emergencies to your claims contact, and logs every conversation — no hold queue at the worst moment.

New-business callers are walked through your intake questions — operations, drivers, prior carrier, loss history — so the producer starts with a workable submission, not a name and a callback.

Billing dates, payment options, what a certificate is, where to send the mortgagee change: answered instantly and identically every time, from YOUR approved information.

Ninety days out: current terms extracted, loss history summarized, exposure changes flagged from the account record — the remarket decision starts from a finished file.

Two carrier quotes side by side: differences in limits, deductibles, exclusions and endorsements listed with the policy language cited — readable by the producer AND the insured.

Every AI-drafted proposal, summary and letter lands in Output awaiting review. Nothing reaches a policyholder or carrier without your team’s decision.

PDF binders, scanned dec pages, spreadsheet loss runs, emailed endorsements — the ingestion pipeline turns the carrier paper flood into queryable knowledge.

No source in the binder, no claim: the AI cites the form, the endorsement, the dec page — or says it cannot answer. In coverage questions, that discipline is E&O protection.

The receptionist asks about office procedure; the producer asks about an account’s umbrella limits: each gets answers scoped to their role, enforced server-side.

Renewal file assembly, loss-run summary, policy comparison, COI draft, submission narrative: work types molded to your agency, each with default libraries and examples.

The AI’s workload is managed like the team’s: one-click views show what is urgent, late, today and tomorrow — no renewal slips to the week it is due.

Every work is a full session: reasoning streamed, policy language cited, milestones tracked, linked to the account and the expiration calendar.

Binding authority limits, COI release rules, cancellation handling, carrier submission requirements: one library, current versions on top, superseded ones outranked.

“What is our procedure when an insured requests a backdated certificate?” — answered in seconds with the document attached, before the E&O mistake instead of after.

Work types carry their default procedures: the AI drafting a COI reads the release rules — by construction, not by memory.

New CSRs learn your COI rules, renewal workflow, carrier quirks and phone scripts through guided training — servicing accounts in days, not months of shadowing.

“How do I process a mortgagee change?” — asked to the assistant, answered from the agency manual, without pulling the senior CSR off a renewal.

Private chats work on any device with a login — the how-to knowledge follows the CSR to the desk, the carrier portal or the remote Friday.

Dec pages, endorsements, cancellation notices and audit letters routed to the right account with handling notes — cancellation notices flagged red, same hour they arrive.

The 90-day mark trips the renewal flow: file assembled, loss runs requested, producer tasked — no expiration list taped to a monitor.

The Monday renewal pipeline by producer, the monthly new-business summary: compiled by the AI, filed to Output, on time every time.

Renewals inside 60 days, auto-only insureds without umbrellas, accounts lost to price two years ago: audiences built from your own categories and dates — no list exports to a mailing tool.

The monoline commercial account gets the cyber conversation, the homeowner gets the umbrella note — drafted per account from what they already carry, queued for the producer to approve.

Opt-outs and communication preferences are enforced by the system, not by memory. Every send is on the record.

Accounts, policies and activities mapped field by field, with a dry-run preview before anything writes — push, pull or two-way, your choice.

Dec pages, endorsements, loss runs and notices route through the intake pipeline to the right account — and the AI can draft the follow-ups.

A full API for whatever else the agency runs: raters, proposal tools, carrier portals’ exports — data in, results out, under scoped keys.

The server redacts what a role cannot see — a new CSR sees assigned accounts only; even in shared calendars, an unauthorized user sees the appointment slot, not the insured’s name.

A searchable log of every audited action, with configurable categories: who opened the loss run, who edited the proposal, who released the certificate, when.

Five-level workgroups map offices, teams and books; the on-premises option puts the whole system inside your building, air-gap capable.

Ask the chat: “I need a certificate of insurance for my landlord” — watch it verify, intake and confirm like your best CSR on their best day.

Ask: “how would you work our 90-day renewal list?” — it walks the workflow it would run in your tenant, grounded, cited, release queue included.

The full demo loads an insurance tenant with sample accounts: a renewal file, a loss-run summary, policy answers with the language cited — your world, working.