Read the full storyBevaya’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.
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.
Coverage mapped across 0 pages
Trusted by leading P&C carriers, brokers, and TPAs
The renewal reality
Renewals are predictable.
So why are they still slipping?
Every policy has an expiration date you've known for a year. Yet renewal lists live in spreadsheets, underwriters assemble files instead of reviewing them, and retention rate pays the price.
Renewal lists live in spreadsheets.
Expiration dates get missed and accounts age out of the book before anyone notices. Every missed renewal is premium you've already earned, walking out the door.
Underwriters assemble files, not review them.
Loss runs from claims, updated exposures from brokers, MVRs, financials — pulled manually from a dozen systems before the underwriter can even start the review. Skilled work delayed by data gathering.
Too repetitive to retain. Too nuanced for a BPO.
Renewal coordination is high-volume and low-complexity — the exact profile that burns out experienced staff and exposes you to BPO quality issues. Either way, your retention rate suffers.
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.
NUMBER
Production reality
Built and proven at scale
99% straight-through processing and 246% ROI in just 6 months.
Fortune 500 Carrier Property & Casualty
We evaluated six AI vendors. Bevaya was the only one that understood our underwriting workflows from day one — no six-month education period.
Chief Underwriting Officer Specialty Carrier · $2B+ GDP
The confidence scoring changed everything. Our reviewers know exactly which items need attention and which can go straight through. We trust it.
Director of Operations Workers’ Compensation Insurer · 74 NSP
Cut COI turnaround from 24 hours to minutes and saved millions.
Top-5 Broker National
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
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.
(Outlook)
Bevaya
Intelligence + orchestration layer for insurance workflows
Industries
Claims
Alerts
Alerts
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.
UnderwritingSubmission Intake
Monitors broker inboxes, classifies submissions, extracts data from ACORDs and supplementals, and populates underwriting systems automatically.
UnderwritingLoss Run Processing
Extracts and normalizes loss data across carriers, identifies trends, and produces structured loss histories ready for underwriting review.
UnderwritingSchedules & SOV Extraction
Reads Statement of Values spreadsheets and property schedules in any format, normalizes the data, and delivers clean structured exposure data.
UnderwritingACORD Form Extraction
Extracts data from all ACORD forms, validates fields against carrier rules, and pushes clean structured data into underwriting systems.
UnderwritingPolicy Renewal Handling
Pulls expiring policy data, refreshes exposures and loss runs, and assembles a complete renewal package for the underwriter.
UnderwritingPolicy to Policy Comparison
Compares expiring and renewal policy terms, flags coverage and limit changes, and surfaces material differences for underwriter review.
UnderwritingClaims Automation Overview
End-to-end automation across the claims lifecycle — from FNOL through investigation, settlement, and payment.
ClaimsFNOL / 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.
ClaimsClaim to Policy Comparison
Compares loss details against policy terms to surface coverage, exclusions, and obligations before the adjuster makes a call.
ClaimsClaim Indexing
Classifies, indexes, and routes claims documents to the right adjuster or team. Handles hundreds of document categories with up to 99% STP.
ClaimsLegal Demands Identification & Extraction
Reads demand letters and legal correspondence, extracts allegations, damages, and deadlines, and routes them with full context to the claims team.
ClaimsMedical 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.
ClaimsInvoice Payment Processing
Processes vendor and provider invoices against claim files, validates against authorized services, and routes for payment approval automatically.
ClaimsClaim File Summarization
Reads complex claim files and produces role-specific summaries. Key details, timelines, and action items surfaced for the adjuster.
ClaimsPolicy Servicing Automation Overview
End-to-end automation across policy servicing — from endorsements and certificates through billing inquiries and audits.
Policy ServicingEndorsement Processing
Reads endorsement requests, validates against the policy, drafts the change, and routes it for approval and issuance.
Policy ServicingCOI Creation
Generates Certificates of Insurance from policy data, validates additional insured language, and delivers certificates to brokers and insureds automatically.
Policy ServicingPremium Audit Processing
Classifies audit documents, extracts payroll and classification data, populates systems, and requests missing information from policyholders.
Policy ServicingCustom 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

Research
Page stream segmentation with LLMs
How Bevaya Labs approaches a foundational problem in insurance document AI.

Case Study
Workers' comp carrier processes claims 100x faster
How indexing automation delivered 432% ROI in 12 months.

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.












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