Skip to content
AI Agent · Underwriting

Meet your AI Agent for Policy Renewal Handling.

Every account approaching expiration tracked. Loss runs, exposures, and missing data gathered automatically. Underwriters alerted the moment a renewal is review-ready — so renewals happen on time and your retention rate holds.

Trusted by leading P&C carriers, brokers, and TPAs
How your AI Workforce works

Monitors every account. Gathers every fact. Hands underwriters a review-ready file.

The AI Agent watches your renewal book continuously, gathers everything underwriters need to review, and surfaces only what needs a decision — never the renewal calendar itself.

 
COMMERCIAL PACKAGE POLICY
Stated Insurance Company — Renewal Declarations
POLICY
NUMBER
SI-CPP-44871
 
NAMED INSURED
INSURED
Pinewood HVAC & Refrigeration LLC
DBA Pinewood Mechanical · LLC (Single-Member)
PRODUCER
Blue Ridge Risk Partners
BRP-44781 · K. Marsh, UW — Stated
EFFECTIVE
06/01/2025
EXPIRATION
06/01/2026
DAYS TO RENEW · 12
TERM
12 months
COVERAGE LINES IN FORCE
COMMERCIAL PROPERTY
$28,400
GENERAL LIABILITY
$19,650
INLAND MARINE
$8,200
RENEWAL WINDOW · WITHIN 90 DAYS
Picked up automatically from policy admin · no manual entry
Every account in the renewal window surfaced on its expiration date
7 other Pinewood-class renewals queued behind this one
Tracking every renewal
IN FORCE · 2025
Stated · SI-CPP-44871
FRESH · 2026
Pulled by Bevaya Agent
PAYROLL
$2,840,000
PAYROLL
$3,351,200
+18%
VEHICLES
11 units
VEHICLES
13 units
+2
LOCATIONS
1 · Asheville HQ
LOCATIONS
2 · + Hendersonville
+1
LOSS RUNS
Through 2024 · stale
LOSS RUNS
Through 04/2026 · fresh
NEW
MVR · DRIVERS
Last pulled 02/2025
MVR · DRIVERS
2 stale · broker emailed
PENDING
4 material changes detected · 1 follow-up sent to Blue Ridge Risk Partners
InsurGPT™ extracting fresh data
LOSS RATIO TREND · 5-YEAR
Clean run · single $11K GL claim in 2023
PASS
EXPOSURE UPDATE
Payroll +18% · vehicle count +2 · refreshed
PASS
CRITICAL GAP · CYBER LIABILITY
$1M aggregate on Stated → not in AcrossCountry appetite
FLAG
CRITICAL GAP · GARAGEKEEPERS
$250K Direct Primary on customer vehicles → excluded
FLAG
CHECKLIST · STALE MVR
2 drivers — last pulled 14 mo ago · requested
FLAG
PREMIUM Δ
–$4,250 · $2,250 deductible drop
0.94
3 gaps flagged · broker email sent
 
 
Renewal Summary · 1-page brief
Loss trend · exposure changes · 3 flags
UW Workbench · K. Marsh
Notified · ready to quote with caveats
Policy Admin System
Renewal record updated · quote pending
Audit Trail
Every action timestamped · full provenance
Underwriter notified
Tracks every policy approaching renewal
Connects to your policy admin system and watches every account by expiration date
Renewals in your configured window surfaced automatically — 90, 60, 30 days out
No account slips through — every policy tracked from in-force to bound or non-renewed
Pulls fresh loss runs and exposures
Retrieves the latest loss run automatically — no manual broker chase
Requests updated exposures from the broker by templated email
Assembles current policy data with InsurGPT™ — payroll, vehicle count, locations
Checks every account against your checklist
Validates every account against your business rules — coverage, payroll, MVR, audit
Missing payroll? Stale MVR? Coverage gap? Flagged and requested from the broker
Broker email sent automatically with the specific items needed — no chasing
Alerts the underwriter when ready
One-page renewal summary — loss ratio trend, exposure changes, flagged items
Assigned underwriter notified — quote, decline, or refer with full context
Decisions written back to your policy admin system with full audit trail
Production reality

Built and proven at scale

Document extraction accuracy
98%+
Workflows in production
115+
Top P&C carriers in the U.S.
3 of 5
Net Promoter Score
74
Bevaya — Case Studies Module

Bevaya’s AI agents reduced our claims indexing from 5 days to under an hour. The accuracy was better than our most experienced staff on day one.

Harry Talbert

Harry Talbert SVP of Information Systems · Eastern Alliance

Read the full story

99% straight-through processing and 246% ROI in just 6 months.

F5

Fortune 500 Carrier Property & Casualty

Read the full story

We evaluated six AI vendors. Bevaya was the only one that understood our underwriting workflows from day one — no six-month education period.

CU

Chief Underwriting Officer Specialty Carrier · $2B+ GDP

Read the full story

The confidence scoring changed everything. Our reviewers know exactly which items need attention and which can go straight through. We trust it.

DO

Director of Operations Workers’ Compensation Insurer · 74 NSP

Read the full story

Cut COI turnaround from 24 hours to minutes and saved millions.

T5

Top-5 Broker National

Read the full story
THE ENGINE INSIDE

Most AI reads documents. InsurGPT™ understands renewals.

Policy Renewal Handling is powered by InsurGPT™, Bevaya's mosaic of specialized models trained on 300M+ real insurance documents — loss runs, ACORDs, supplementals, exposures, the data renewals actually run on.

Cross-format extraction

InsurGPT™ parses loss runs across hundreds of carrier formats — structured PDFs, scanned images, spreadsheets with merged cells — pulling reserves, total incurred, recoveries, and claim counts with 98%+ accuracy.

Loss-Run Reconciliation | Cross-checked

The same loss reported in two carrier formats gets matched, deduplicated, and reconciled before it reaches your queue — no double-counting, no missed totals.

Exposure History | Sequenced

Builds a unified view of how payroll, vehicles, locations, and revenue have moved across renewal periods — the underwriter sees the trend, not just the snapshot.

Missing-Data Detection | Flagged

If MVRs are stale, payroll is incomplete, or financials are missing, the Agent flags the gap and requests it from the broker before the renewal hits the underwriter's desk.

Grounded, never invented

Every fact in the renewal brief traces back to the source document. X-Ray Mode highlights the exact page and field so underwriters verify in seconds, not minutes — and nothing reaches the file that the model can't show its work on.

X-Ray Mode | Traceable

Click any figure in the renewal brief and jump straight to the exact page, line, and coordinates on the original loss run or schedule where it was sourced.

Field-Level Citations | Cited

Every extracted value — reserves, total incurred, payroll, vehicle count — carries its origin: page number, line, and X/Y position on the document.

Source Document Linking | Anchored

The renewal brief stays anchored to the underlying file. Open any data point in context, side-by-side with the carrier loss run or broker submission it came from.

Calibrated confidence

Every extracted value carries a confidence score. Set your threshold — above auto-processes, below routes to a human reviewer. The model gets sharper on your book over time.

Confidence Thresholds | Calibrated

Every fact ships with a calibrated confidence score. Set the bar where you want it: above auto-processes, below routes to a human reviewer.

Human-in-the-Loop Routing | Routed

Low-confidence values are routed to a reviewer with the source document already open to the right page — verification takes seconds, not a file dive.

Continuous Learning | Sharpening

Every reviewer correction feeds back into the model. The Agent gets sharper on your carrier formats, your book, and your edge cases over time.

 
What It Does

Policy Renewal Handling AI Agent

Monitor renewal dates. Track your entire book with configurable lead-time windows so nothing slips past expiration.
Pull loss runs and exposures. Gather data from claims systems, broker portals, and inbox attachments automatically.
Validate against your checklist. Payroll, MVRs, financials, supplementals — whatever your LOB requires.
Request missing info from brokers. Outbound emails go out automatically with follow-up cadence built in.
Track broker engagement. Monitor outstanding requests so accounts don't go silent before renewal.
Generate renewal summaries. One-page briefs with premium, loss ratio trend, exposure changes, and flagged items.
Flag at-risk renewals. Surface accounts based on loss history, missing data, or business rules you configure.
Surface book analytics. Renewals at risk, retention trends, and broker response time across your portfolio.
Update policy admin records. Verified data flows back automatically with full audit trail.
Route exceptions to a human. Low-confidence items or rule-triggered exceptions go to a reviewer with context attached.
Operate inside Guidewire or Duck Creek. Works within your existing policy admin system, not alongside it.
Stay audit-ready. Every fact cited, sourced, and reproducible at the field level.
How it works

An AI layer that sits on top of your existing stack.

Bevaya orchestrates the tools your team already uses. Your stack stays in place. The intelligence layer over it.

01 Sources
Microsoft Outlook
Mailroom / SFTP
Custom API / IPA
02 Bevaya Platform
Bevaya

Bevaya

Intelligence + orchestration layer for insurance workflows

03 Destinations
Systems of record
Guidewire ClaimCenter
Salesforce Industries
Duck Creek Claims
Document management
Alerts
Slack
Microsoft Teams
More AI Agents for Policy Servicing

Your AI Workforce, across the policy lifecycle

Underwriting Automation Overview

End-to-end automation across the underwriting lifecycle — from submission intake through quote, bind, and renewal.

Underwriting

Submission Intake

Monitors broker inboxes, classifies submissions, extracts data from ACORDs and supplementals, and populates underwriting systems automatically.

Underwriting

Loss Run Processing

Extracts and normalizes loss data across carriers, identifies trends, and produces structured loss histories ready for underwriting review.

Underwriting

Schedules & SOV Extraction

Reads Statement of Values spreadsheets and property schedules in any format, normalizes the data, and delivers clean structured exposure data.

Underwriting

ACORD Form Extraction

Extracts data from all ACORD forms, validates fields against carrier rules, and pushes clean structured data into underwriting systems.

Underwriting

Policy Renewal Handling

Pulls expiring policy data, refreshes exposures and loss runs, and assembles a complete renewal package for the underwriter.

Underwriting

Policy to Policy Comparison

Compares expiring and renewal policy terms, flags coverage and limit changes, and surfaces material differences for underwriter review.

Underwriting

Claims Automation Overview

End-to-end automation across the claims lifecycle — from FNOL through investigation, settlement, and payment.

Claims

FNOL / FROI Setup

Captures first notice of loss and first report of injury details from email, phone, or portal, structures the data, creates the claim file, and assigns it to the right adjuster.

Claims

Claim to Policy Comparison

Compares loss details against policy terms to surface coverage, exclusions, and obligations before the adjuster makes a call.

Claims

Claim Indexing

Classifies, indexes, and routes claims documents to the right adjuster or team. Handles hundreds of document categories with up to 99% STP.

Claims

Legal Demands Identification & Extraction

Reads demand letters and legal correspondence, extracts allegations, damages, and deadlines, and routes them with full context to the claims team.

Claims

Medical Bill Identification & Extraction

Reads medical bills and provider records, extracts CPT/ICD codes, charges, and dates of service, and links them to the claim for adjuster review.

Claims

Invoice Payment Processing

Processes vendor and provider invoices against claim files, validates against authorized services, and routes for payment approval automatically.

Claims

Claim File Summarization

Reads complex claim files and produces role-specific summaries. Key details, timelines, and action items surfaced for the adjuster.

Claims

Policy Servicing Automation Overview

End-to-end automation across policy servicing — from endorsements and certificates through billing inquiries and audits.

Policy Servicing

Endorsement Processing

Reads endorsement requests, validates against the policy, drafts the change, and routes it for approval and issuance.

Policy Servicing

COI Creation

Generates Certificates of Insurance from policy data, validates additional insured language, and delivers certificates to brokers and insureds automatically.

Policy Servicing

Premium Audit Processing

Classifies audit documents, extracts payroll and classification data, populates systems, and requests missing information from policyholders.

Policy Servicing
Custom AI Agents

Don't see the AI Agent you need?

Bevaya's platform extends to fit your operation. We can build a custom AI Agent for your specific underwriting workflow — trained on Bevaya's insurance-native AI and integrated with your systems.

Resources & insights

More resources on AI in Policy Servicing

Case Study - claims
Research

Page stream segmentation with LLMs

How Bevaya Labs approaches a foundational problem in insurance document AI.

Case Study - claims
Case Study

Workers' comp carrier processes claims 100x faster

How indexing automation delivered 432% ROI in 12 months.

2026.06.02-library-webinar-registration-how-to-establish-clear-ai-ownership-in-your-insurance-organization
Architecture

Inside the Bevaya platform architecture

How specialized models, HITL controls, and integrations come together in production.

FAQ

Frequently asked questions

It monitors your book continuously for upcoming renewals, gathers the loss runs and exposure data underwriters need, validates everything against your renewal checklist, requests missing information from brokers, and surfaces a review-ready file to the assigned underwriter — with a one-page summary. The renewal decision still belongs to the underwriter; the gathering and tracking is what the Agent removes from their plate.

Yes — and it matters. Endorsements are mid-term policy changes processed against an existing contract. Renewals require fresh underwriting data, updated exposures, current loss runs, and a re-evaluation against your appetite. The Policy Renewal Agent handles renewals; the Endorsement Processing Agent handles endorsements. Same platform, different models, different workflows.

No. The Agent gathers data, validates it, flags issues, and produces a review-ready summary. The underwriter still owns the renewal decision — quote, decline, refer, or non-renew. The Agent's job is to put the underwriter in front of a complete file faster, not to replace their judgment.

The Agent identifies what's missing against your renewal checklist, sends a targeted request to the broker by email, and tracks the response. You configure the follow-up cadence (e.g. reminder at day 5, escalation at day 10). If the broker remains unresponsive, the Agent surfaces the account for human follow-up rather than letting it go silent.

Guidewire PolicyCenter, Duck Creek Policy, custom policy admin systems via API, Guidewire ClaimCenter for loss run retrieval, Outlook for broker correspondence, SFTP for bulk document feeds, and Salesforce for renewal opportunity tracking. Notifications run through email, Microsoft Teams, or Slack.

InsurGPT™ delivers 98%+ extraction accuracy on the document types renewals depend on — loss runs, ACORDs, supplementals, and exposure data. Every extracted field carries a confidence score and an X-Ray Mode citation back to the source document.

Production-ready in weeks, not months. Policy Renewal ships as a pre-configured workflow on the Bevaya Canvas, powered by InsurGPT™ models already trained on millions of loss runs and policy documents. Most agents go live in 8–12 weeks.

Bevaya is SOC 2 Type II certified, with deployment options that meet enterprise compliance requirements. All data processing follows your organization's policies. Visit the Bevaya Trust Center for full security and compliance documentation.

GET STARTED

Ready to design, deploy, and govern your AI workforce?