Early access
AI agents for commercial P&C underwriting and claims
Quote the good risks before your competitors read them.
A commercial submission is an application, loss runs, a schedule of values, and a deadline. MavenThink agents read all of it before an underwriter does: completeness checked, risk data extracted with a pin to the page it came from, appetite verdict rendered with reasons, underwriting memo drafted with citations. Underwriters spend their day on judgment — and every decision that leaves the building carries a person's name and its full lineage.
Sound familiar?
- Submissions arrive incomplete, and time-to-quote decides who wins the account
- Claims stall while adjusters dig through attachments
- Issued-vs-bound discrepancies surface at claim time, as disputes
- Regulators now expect a documented AI governance program
What teams automate first
Submission intake & triage
Completeness scoring, appetite verdicts with reasons, extracted risk data with evidence pins, a cited underwriting memo, and a chase email for whatever's missing — before the underwriter opens the file.
Claims triage & correspondence
First-notice intake into severity lanes, coverage analysis that quotes the policy language it relies on, and correspondence drafts that always pass a reviewer before they leave.
Policy checking & renewals
Issued-vs-bound comparison flagging clause-level differences, renewal terms laid against expiring, and coverage Q&A answered from the policy text itself.
Exam-ready AI governance
An always-current inventory of agents with versions and scorecards, oversight metrics per workflow, and one-click exports shaped for regulatory examination.
Inside the solution
What you get in the insurance edition
Enable the solution for your organization and these modules appear alongside the core platform — same roles, same approvals, same audit trail.
Submissions
The intake workbench: completeness, appetite, evidence-pinned extraction, and a cited memo per submission.
Claims
FNOL intake, severity lanes, and coverage analysis that quotes the policy.
Policy Intelligence
Issued-vs-bound checks, renewal comparison, and coverage Q&A against policy text.
Knowledge Packs
Curated regulatory, catastrophe, and coverage references agents cite like your own documents.
Compliance
AI system inventory, oversight metrics, and exports built for market-conduct exams.
Compliance posture
Governance regulators recognize
Agent inventory with versions and eval scorecards, human-review and override rates per workflow, consumer-notice tracking, and exam-shaped exports — aligned with NAIC AI governance expectations.
Underwriters and adjusters in the loop
Coverage positions, declines, and outbound correspondence always carry a human signature — declining even requires a stated reason and confirmation.
Full decision lineage
From submission or first notice to the final decision, every automated and human step is traced and exportable.
Frequently asked questions
How does the appetite verdict work?
It applies your underwriting rules and shows its reasons — in or out of appetite, factor by factor. Underwriters can override any field or verdict, and the override is recorded. The system does not invent an appetite of its own.
Can it read the documents brokers actually send?
Yes — scanned applications, loss runs in every carrier's format, schedules, policy forms. Extraction is layout-agnostic, each field carries a confidence score and an evidence pin to its source page, and the uncertain long tail routes to a person instead of being guessed.
Will this satisfy our market-conduct examiners?
It is built for that conversation: every decision carries lineage — documents read, data extracted, verdicts rendered, the human who signed. The compliance module keeps the AI system inventory and oversight metrics current and exports them in an exam-ready shape.
Can a claim or decline go out without a person approving it?
No. Claims correspondence sits behind a review-and-approve bar with no bypass, and a decline requires a stated reason and explicit confirmation. Consistency comes from the agents; accountability stays with your people.