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AI Agent · UNDERWRITING

Meet your AI Agent for Submission Intake.

Bevaya reads every broker submission the moment it arrives — ACORD forms, supplementals, SOVs, loss runs — clears it, screens it against your appetite, and lands a quote-ready file in your underwriter's workbench. Powered by InsurGPT™.

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

Reads every channel. Checks every fact. Routes every submission.

Submissions Intake doesn't process one document at a time. It reads the whole package, validates against your guidelines, and delivers a quote-ready file to the right underwriter.

 
SUBMISSION PACKAGE
ACORD 125 + ACORD 140 + 3yr loss runs + financials — XYZ Brokers
SUB
NUMBER
SUB-4471
 
INSURED
NAMED INSURED
Kings County Property Mgmt LLC
FEIN
46-2284517
LOCATIONS
3 properties
TOTAL SQ FT
42,500
TIV
$1.2M
ACTIVE FACTS IDENTIFIED FROM 5 DOCUMENTS
ACORD 125 — Insured info, coverages, GL limits $1M/$2M
ACORD 140 — Property schedule, building + BPP limits, occupancy
Loss runs 2023–2025 — full reserves; 2021 & 2022 missing
Reading the whole package
 
 
 
 
 
 
 
Clearance passed · 1 follow-up flagged
CLEARANCE CHECK
Passed · no duplicates, no declinations
PASS
APPETITE — CLASS & GEOGRAPHY
Property mgmt · Brooklyn, NY · in-appetite
PASS
APPETITE — EXPOSURE
TIV $1.2M · 42,500 sq ft · within guidelines
PASS
INITIAL RATING
$47,500 annual · base + credits/debits
0.96
BROKER FOLLOW-UPS
3 items · 2021 & 2022 loss runs missing
FLAG
TRIAGE SUMMARY
1-page brief · ready for underwriter
READY
AI rec · outreach to broker (92%)
 
 
Guidewire PolicyCenter
SUB-4471 created · 22 fields populated
Salesforce
Opportunity synced · triage summary attached
Broker Outreach · XYZ Brokers
Templated request sent for 2021–2022 loss runs
UW Workbench · Sarah Lee
Assigned · ready to quote
Routed to underwriter
Reads every document in the package
ACORD 125, 126, 130, 140 and dozens of variants — including handwritten edits
Supplementals, SOVs across multi-tab spreadsheets, loss runs in any carrier format
X-Ray Mode traces every extracted field back to its exact source page
Validates and clears before review
Clearance against prior submissions, bound policies, and broker-of-record records
Missing info detected and a targeted follow-up sent to the broker per your rules
External lookups — SIC/NAICS, business verification, ISO — where they help
Screens against your appetite
Policy-based screening on class codes, geography, premium bands, exclusions
Out-of-appetite submissions filtered or returned per your guidelines
Risk summary generated — a one-page brief for the underwriter, with reasoning
Routes to the underwriter, ready to quote
Populates Guidewire PolicyCenter, Duck Creek, Salesforce, custom workbenches
Assigned per your routing rules — underwriter notified the moment it's ready
Underwriters read, not key — every minute saved drops quote-to-bind time
Production reality

Built and proven at scale

Production deployments
115+
Manual processing reduction
85%
Insurance task accuracy
98%+
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 extracts fields. InsurGPT™ understands the submission.

Precision across document types

Specialized models per document — not one general model trying to read everything. Each artifact type gets the model that was trained to read it.

ACORD Form Extraction | 99%+

ACORD 125, 126, 130 and dozens of variants — including handwritten broker edits and faxed scans. Field-level accuracy benchmarked at 99%+ on commercial forms.

SOV Structuring | Multi-tab

Reads Schedule of Values across multi-tab Excel files, mixed location formats, and PDF schedules. Produces a clean, structured location list ready for rating.

Loss Run Parsing | Any format

Extracts reserves, total incurred, recoveries, and claim counts from any carrier format — 91%+ accuracy on the complex financial fields underwriters care about.

Built-in underwriting judgment

Clearance, appetite, missing info, risk summary — the work between extraction and quote. The Agent handles the reasoning steps that traditionally land on an underwriter's desk before the file is workable.

Clearance Matching | Cross-system

Matches each submission against prior submissions, bound policies, and broker-of-record records — flagging duplicates and conflicts before an underwriter sees the file.

Appetite Screening | Reasoned

Runs each submission against your appetite rules — class codes, geography, premium bands, exclusions — with reasoning attached to every hit and miss.

Missing Info Detection | Self-resolving

Spots the gaps — missing FEIN, no loss runs for prior years, incomplete SOV — and sends a targeted follow-up to the broker per your guidelines. No silent stalls.

Grounded, never invented

Every extracted value traceable to its source. Confidence scoring on every field. Hallucinated submission data has no path to production.

X-Ray Mode | Traceable

Click any field in the workbench and jump straight to the exact page, paragraph, and coordinates where it was sourced — no manual searching through 40-page submission packets.

Field-Level Confidence | Calibrated

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

InsurGPT™ vs. GPT-4 | 93 vs 67

InsurGPT™ scores 93% on insurance tasks vs. 67% for GPT-4.1 — because it's trained on 300M+ real insurance documents, not generic web data.

 
What It Does

Submissions Intake AI Agent

Monitors every intake channel — email, broker portals, MGA platforms, mailroom, SFTP, API.
Splits and classifies multi-document broker packages automatically.
Extracts every key field from ACORDs, supplementals, SOVs, and loss runs.
Runs clearance and duplicate checks against prior submissions and bound policies.
Screens against your appetite guidelines with reasoning attached to every hit and miss.
Detects missing information and sends a targeted follow-up to the broker.
Performs external data lookups — SIC/NAICS, business verification, ISO.
Compiles a one-page risk summary so the underwriter reads, not keys.
Populates Guidewire, Duck Creek, Salesforce, or your custom UW workbench.
Routes per your assignment rules and notifies the underwriter on Teams or Slack.
Surfaces low-confidence fields for human review with X-Ray Mode traceability.
Stays audit-ready with every step logged, every field cited, every action reproducible.
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 UNDERWRITING

Build the full underwriting AI program.

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

From the field and from the lab

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

The Bevaya Submissions Intake AI Agent processes the entire submission package as one underwriting unit — ACORD forms, supplementals, SOVs, and loss runs read together, with their relationships intact. InsurGPT™, the engine inside the Agent, is trained on 300M+ real insurance documents and scores 93% on insurance tasks compared to 67% for general-purpose AI. OCR returns text; the Bevaya Submissions Intake AI Agent returns a structured, validated, quote-ready submission.

No. The Bevaya Submissions Intake AI Agent handles the intake work only: reading documents, extracting fields, validating data, running clearance, screening against appetite, and generating a risk summary. The decision to quote, decline, or refer remains with the underwriter — supported by structured data, appetite reasoning, and X-Ray Mode traceability on every extracted field.

The Bevaya Submissions Intake AI Agent supports every standard ACORD form (125, 126, 130 and dozens of variants), supplemental applications across every line of business, SOVs in any spreadsheet structure, loss runs in any carrier format, broker emails, mailroom scans, portal uploads, and custom carrier forms. InsurGPT™ adapts to carrier-specific document formats through the platform's continuous-learning loop.

Appetite guidelines are configured in the Bevaya Workflow Canvas — class codes, geography, premium bands, exclusions, hazards, and prior loss thresholds. The Bevaya Submissions Intake AI Agent runs each submission against those rules and surfaces hits, misses, and edge cases with reasoning attached to every decision. Out-of-appetite submissions are filtered or returned per the carrier's routing rules before an underwriter spends review time on them.

The Bevaya Submissions Intake AI Agent integrates across three categories. Inbound: Outlook, Gmail, broker portals, MGA platforms, mailroom scanners, SFTP, and any source available via API. Underwriting systems: Guidewire PolicyCenter, Duck Creek Policy, Salesforce Financial Services Cloud, Majesco, and custom UW workbenches. External data: SIC/NAICS verification, ISO, LexisNexis, and third-party rating data. No rip-and-replace of existing systems is required.

Yes. The Bevaya Submissions Intake AI Agent runs on a platform that is SOC 2 Type 2 certified and meets ISO 27001, HIPAA, CCPA, GDPR, and NYCRR 500 requirements. Every processing step is logged with immutable audit entries, every extracted field carries a confidence score, and X-Ray Mode traces every value to the exact page and coordinates in the source document. Audit-ready by default.

The Bevaya Submissions Intake AI Agent typically deploys in 6–12 weeks. The workflow ships pre-configured on the Bevaya Canvas with pre-trained InsurGPT™ models, so implementation focuses on connecting intake channels, mapping appetite and routing logic, and tuning to carrier-specific forms — not building from scratch.

No. The Bevaya Submissions Intake AI Agent handles document reading, field extraction, clearance checks, and appetite screening — work that previously consumed up to 40% of underwriter time. Underwriters continue to price risk, negotiate terms, and bind business. Customers consistently report carrying more business with the same team after deployment, not reducing headcount.

GET STARTED

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

Bevaya AI Agents can help you triage, analyze, and recommend across underwriting, claims, and policy servicing. Let's connect and show you how it works.