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AI Agent · Policy Servicing

Meet your AI Agent for Endorsement Processing.

Bevaya reads incoming policy change requests, identifies the line of business, applies the endorsement to the system of record, and routes ambiguous items for review — so your team stops re-keying and starts owning the broker relationship.

Trusted by leading P&C carriers, brokers, and TPAs
With Bevaya in the loop

Here's how the endorsement queue works
with Bevaya doing the heavy lifting.

Same intake. Same systems. Same reviewers.
What changes is who does the reading — and how fast it gets back to the broker.

INCOMING REQUEST
OUTLOOK · POLICY-CHANGES@BEVAYA-DEMO.COM
CLASSIFIED
AS
VEHICLE
ADD · PAP
 
EMAIL METADATA
FROM
Mike Reyes
Eastpoint Insurance Agency
RECEIVED
May 14, 2026 — 9:43 AM
Subject: Policy PAP-2024-44217 — add vehicle
EMAIL BODY
Hi team,

Please add a 2024 Ford F-150 XLT, VIN 1FTFW1E84RFA12847, effective 05/15/2026, to the auto policy for Sarah Marquez.

Garaging at 1842 Linden Ave, Apt 3, Hartford CT 06105. Full coverage, same limits as the existing vehicle.

Thanks — Mike
CLASSIFIED — LOB & ENDORSEMENT TYPE
LOB: Personal Auto (PAP)
Type: Vehicle Add — mid-term endorsement
Routed to: Endorsement queue · auto-extract enabled
Classifying the request
VERIFYING EXTRACTED FIELDS
PAP-2024-44217 Policy admin · in force
1FTFW1E84RFA12847 NHTSA · 2024 Ford F-150
2024 Ford F-150 XLT VIN decode matches make & year
05/15/2026 Within policy term · mid-term endorsement
1842 Linden Ave, Hartford CT USPS · address validated
Sarah Marquez Not on driver schedule · review
Verifying against external sources
POLICY NUMBER
PAP-2024-44217
0.99
VIN
1FTFW1E84RFA12847
0.98
VEHICLE
2024 Ford F-150 XLT
0.97
EFFECTIVE DATE
05/15/2026
0.96
GARAGING ADDRESS
1842 Linden Ave, Hartford CT
0.94
NAMED DRIVER
Sarah Marquez — verify on policy
0.82
High-confidence applies · review surfaced
 
 
Guidewire PolicyCenter
Endorsement applied
Duck Creek Policy
Policy updated
Applied Epic
Audit chain captured
Broker reply sent
Confirmation issued
Applying & logging for E&O
Reads the inbox and classifies the request
Monitors shared inboxes, broker portals, and agency management systems for new requests
Reads the email body and every attachment together — not one or the other
Identifies the line of business and endorsement type — vehicle add, driver change, address update, mortgagee
Extracts structured fields and verifies them
Pulls the exact fields the policy admin system needs — VIN, driver, effective date, mortgagee
Verifies VINs against NHTSA, addresses against USPS, and drivers against the policy on file
Flags mismatches between what the broker requested and what the policy actually shows
High-confidence applies, the rest surfaces
Clear requests apply automatically — straight-through processing for the routine 80%
Ambiguous items surface in the Review Queue with X-Ray Mode source highlighting
Average reviewer time per flagged item: under 2 minutes from open to decision
Endorsement applied and logged for E&O
Posts the endorsement into Guidewire, Duck Creek, Insurity, Origami, Applied Epic, or AMS360
Generates the endorsement document and sends broker confirmation in the same step
Captures the full audit chain — who saw what, when, and why — for E&O defense
Production reality

Same-day turnaround. Fewer re-keys. Cleaner audit.

Endorsement requests automated annually
500K+
Straight-through processing
87%
Turnaround on previously multi-day work
1-Day
Projected ROI
242%
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

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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

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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

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

T5

Top-5 Broker National

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THE ENGINE INSIDE

Most AI summarizes one document.
InsurGPT™ understands the whole file.

Claims File Summarization is powered by InsurGPT™, Bevaya's mosaic of specialized models trained on 300M+ real insurance documents. Specialized models read each document type — medical bills, demands, ACORDs, policy forms.

Line-of-business aware

InsurGPT™ doesn't treat every policy the same. It knows the difference between a driver endorsement on a PAP, a mortgagee endorsement on an HO, and a named-insured endorsement on a CGL — and pulls the right fields for each line of business.

Endorsement Recognition | LOB-Aware

Identifies endorsement types by line of business — driver adds on Personal Auto, mortgagee clauses on Homeowners, additional insureds on CGL — and routes each to the correct extraction schema.

Schema Per Line | Targeted

Pulls the exact fields each LOB requires — VIN and driver date of birth on PAP, loan number and mortgagee address on HO, certificate holder and waiver of subrogation on CGL — without forcing a generic template across them.

ACORD-Native Parsing | Form-Fluent

Reads ACORD forms, FROI/SROI, dec pages, and carrier-specific layouts in their native structure — no upstream mapping required to translate one carrier's PDF into another's field names.

Explainable by design

Every field InsurGPT™ extracts comes with X-Ray Mode source highlighting and a confidence score. Reviewers don't trust the AI blindly — they see exactly why it said what it said before they approve it.

X-Ray Mode | Traceable

Click any extracted value and jump straight to the exact page, paragraph, and bounding box in the source document where it was pulled — no guesswork about provenance.

Confidence Scores | Calibrated

Every field ships with a calibrated confidence score so reviewers know which extractions are safe to auto-process and which deserve a second set of eyes.

Decision Audit Trail | Logged

Each extraction, override, and approval is captured with timestamp, user, and source citation — ready for QA reviews, regulator requests, and internal compliance audits.

Continuously improving

Every correction your reviewers make feeds back into the model under governed learning. Three months in, the Review Queue is shorter than it was at launch — because the model has learned your edge cases.

Reviewer Feedback Loop | Self-Tuning

Every override, correction, and approval reviewers make becomes a training signal — the fields they fix most often are the ones the model gets sharper on next.

Governed Learning | Controlled

Model updates ship on a governed cadence with carrier-level isolation and full version history — no silent drift, no cross-tenant contamination, every change auditable.

Shrinking Review Queue | Measurable

Track straight-through processing rate and Review Queue volume over time — by month three, customers consistently see fewer fields routed for human review than they did at launch.

 
Powered by InsurGPT™

The model behind every Bevaya agent

Insurance documents trained on
300M+
Insurance-specific fields the model understands
1,200+
Document formats handled
ACORDs
SOVs & schedules
Loss runs
Declarations pages
Endorsements
Adjuster notes
Fields understood across the policy lifecycle
Named insured
Risk location
Limits & TIV
Coverages & forms
Effective dates
COPE attributes
Claim cause & status
Loss history & reserves
+ more
InsurGPT™

Purpose-built for insurance. From submission to claim close, InsurGPT™ reads the documents your teams already work from — ACORDs, SOVs, declarations, endorsements, loss runs, adjuster notes — and turns them into structured, traceable data.

98%+

extraction accuracy across the P&C document set

What It Does

Endorsement Processing AI Agent

Reads every broker email. Ingests freeform prose, attachments, and PDFs across personal and commercial lines — no templates required.
Classifies endorsement type. Identifies driver, vehicle, mortgagee, named insured, and scheduled property changes — and the line of business behind each.
Extracts the structured fields. Pulls VINs, effective dates, addresses, loan numbers, and named insureds into the shape your policy admin system expects.
Validates the data it pulls. Decodes VINs, validates license formats, and cross-checks mortgagees against known lender registries before anything is written.
Routes by intent, not keyword. Distinguishes endorsements from renewals, COIs, claims, and billing inquiries — sending each request to the right workflow.
Flags premium-bearing changes. Surfaces any change that affects premium to an underwriter before binding, per your custom thresholds and authority limits.
Auto-processes the easy ones. Applies high-confidence changes straight through to the policy admin system; routes ambiguous items to a human reviewer.
Generates the endorsement doc. Produces the endorsement document and pushes confirmation back to the broker without manual drafting.
Updates the billing system. Writes the change through so the next invoice reflects the new premium — no separate billing ticket required.
Lives inside your core system. Operates natively inside Guidewire, Duck Creek, Insurity, Origami, or your existing policy admin platform.
Shows its work with X-Ray Mode. Every extracted field is traceable back to the exact line in the original broker email that produced it.
Captures a full audit chain. Logs the original email, extracted fields, confidence scores, reviewer actions, and system writes for every endorsement.
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

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

An AI Agent for endorsement processing is software that reads incoming policy change requests, extracts the relevant data, and applies the change to the policy administration system without manual re-keying. Bevaya's AI Agent monitors email inboxes and portals, classifies the request by line of business and endorsement type, extracts the structured data, and writes the update back to systems like Guidewire PolicyCenter or Duck Creek Policy. High-confidence requests apply automatically; ambiguous items route to a reviewer.

Bevaya processes the full range of mid-term policy change requests across both personal and commercial lines. This includes driver add / delete / replace, vehicle add / delete with VIN decode, mortgagee changes, address changes, scheduled property updates, coverage limit changes, named insured updates, additional insureds, waivers of subrogation, and workers' compensation class code updates. The AI Agent handles requests that arrive as freeform broker emails, attachments, PDFs, or portal submissions.

AI endorsement processing reads unstructured emails using machine learning, scales without proportional headcount, and produces a complete audit chain — three things RPA and BPO providers struggle with. RPA follows rigid rules that break when broker email formats change. BPO providers can be effective for stable workflows, but mid-term endorsement requests vary widely across lines of business and broker formats. Bevaya's model is trained on 300M+ insurance documents and handles the variability natively; turnover, training cycles, and quality drift become non-issues.

Yes. An endorsement is a mid-term change to an active policy (driver swap, vehicle add, mortgagee update). A renewal is a new policy term issued at expiration. Bevaya classifies each incoming request and routes it to the right workflow — endorsements to the Endorsement Processing AI Agent, renewals to the Policy Renewal AI Agent. Misrouting between the two is a common source of E&O exposure, which is why the classification logic is built specifically to prevent it.

AI endorsement processing reduces E&O exposure by eliminating manual re-keying errors, producing a discoverable audit chain, and flagging risk items before they bind. The structured extraction removes the typos and transcription mistakes that come with re-keying. Every endorsement carries a full audit chain — original email, extracted fields, confidence scores, reviewer actions, system writes — that is discoverable in defense. And business rules catch the requests that need underwriting or compliance review before they apply, instead of after.

Yes. Bevaya has production integrations with Guidewire PolicyCenter, Duck Creek Policy, Insurity, Origami Risk, Sapiens, Majesco, and custom policy admin systems via API. The integration writes directly to the system of record — no copy-paste, no swivel-chair workflow. IT scopes the integration once; from there, the AI Agent handles daily volume.

A typical Endorsement Processing AI Agent deployment goes live in 8–12 weeks. The first two weeks cover scoping and access. The next four-to-six weeks cover configuration and integration. The final two-to-four weeks cover user acceptance testing and ramp. Bevaya's customer team is fully managed, meaning your team does not run the model, train it, or maintain the integration.

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