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AI Agent · Underwriting

Meet your AI Agent for Policy-to-Policy Comparison.

Two policies in. One clear answer out. Limits, deductibles, exclusions, endorsements — every difference identified, every change cited back to the source.

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

Reads both policies. Maps every difference. Recommends what to act on.

Bevaya doesn't compare one clause at a time. It reads both policies in full, maps like-to-like across different carrier forms, and produces a decision-ready answer your team can act on.

 
POLICY COMPARISON
Acme Manufacturing — CGL · Renewal Review
COMPARISON
ID
PPC-4421
 
EXPIRING POLICY
CARRIER
National Indemnity
Policy NI-CGL-88210 · CGL · 12-month term
EXPIRATION
06/30/2026
87 pages · 11 endorsements
RENEWAL POLICY
CARRIER
Hartford Casualty
Policy HC-CGL-44871 · CGL · 12-month term
EFFECTIVE
07/01/2026
97 pages · 12 endorsements
READING IN PROGRESS · 184 PAGES · 23 ENDORSEMENTS
Base forms parsed · CG 00 01 (both) plus manuscript additions
Endorsements identified · 11 on expiring · 12 on renewal
Schedules mapped · 4 (additional insureds, locations, classifications, exclusions)
Reading the full file
National Indemnity Hartford Casualty
CG 00 01
Commercial GL — Occurrence
 
 
CG 00 01
Commercial GL — Occurrence
 
 
 
CG 20 10
Add'l Insured — Owners/Lessees
 
 
CG 20 10
Add'l Insured — Owners/Lessees
 
 
 
MANUSCRIPT 105
Water Damage — Included
 
 
CG 21 32
Water Damage — Excluded
 
 
 
— NONE —
No prior cyber coverage
 
 
HC-CYB-01
Cyber Sublimit — $250K
23 endorsements aligned coverage-to-coverage · not page-to-page
Mapping like-to-like
COMPARISON BRIEF
4 material differences across 2 policies
Pages · 184 Endorsements · 23 Generated · 6 sec
EXPIRING
2025
Per occurrence $1M
Aggregate $2M
Deductible $10,000
Water damage Incl.
RENEWAL
2026
Per occurrence $1M
Aggregate $2M
Deductible $25,000
Water damage Excl.
MATERIAL CHANGES
0.97
 
 
Material change identified · client notification recommended
Material changes flagged
 
 
Salesforce
Account record updated · brief attached
AMS360 · Epic · Sagitta
Renewal note + diff log attached
Client Deliverable
Branded Word + PDF ready · 6 pages
Microsoft Teams
CSR notified · client notification suggested
Delivered with full audit trail
Reads both policies in full
Base forms, every endorsement, schedules, and declarations — read together in the right order
Modifying endorsements applied to base coverage so the reading reflects what the policy actually does
X-Ray Mode traces every extracted term back to its source clause
Maps like-to-like across different forms
Aligns coverage to coverage, not page to page — across hundreds of ISO and manuscript forms
Normalizes limit structures, deductible types, and aggregate bases across two carriers
Surfaces coverage gaps when one policy expresses something the other doesn't
Surfaces every difference
Limits, deductibles, exclusions, endorsements, schedules, and definitions — categorized by type
Flags material changes that materially affect the insured
Plain-language summary with citation to both source clauses, ready for client-facing review
Delivers into your systems
Writes back to Salesforce, AMS360, Epic, Sagitta, Guidewire, Duck Creek — wherever the work happens
Generates branded client-ready comparison documents in Word and PDF
Every difference logged with citation trail — the audit record E&O carriers ask for
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 compares one clause.
InsurGPT™ understands the whole policy.

Powered by InsurGPT™, Bevaya's mosaic of specialized models trained on 300M+ real insurance documents. Specialized readers for base forms, endorsements, schedules — and a reasoning layer that ties them all together.

Reads any policy form

Policy A is from one carrier; Policy B is from another. The forms look nothing alike. InsurGPT™ reads them both — base form, every endorsement, schedules, and declarations — applying modifying language in the right order.

ISO Base Form Reader | Universal

Trained on hundreds of ISO base forms across CGL, Property, Auto, WC, Cyber, Umbrella, and Professional Liability — and grows with each new form encountered.

Manuscript Endorsement Parser | Adaptive

Reads carrier-specific manuscript endorsements and identifies how they narrow, broaden, or override base coverage.

Schedule & Declaration Mapper | Linked

Reads SOVs, vehicle schedules, location lists, and declarations — and links each line back to the form it modifies.

Understands the terms

It doesn't just extract values. It understands what they mean — and what changing them means for coverage.

Limit Structure Normalization | Aligned

Recognizes the difference between a CGL aggregate and a per-project aggregate. Knows when a sublimit is inside or outside the umbrella limit.

Exclusion Interpretation | Scoped

Identifies when a manuscript endorsement narrows an exclusion versus when it expands one — and surfaces both effects.

Definitional Resolution | Resolved

Tracks how named insured, additional insured, and key terms are defined across both policies — surfacing definitional shifts that change scope.

Cites every difference

Every extracted term and every flagged difference carries citation back to the source. Verification takes seconds, not minutes.

X-Ray Mode Citation | Traceable

Click any difference and jump to the exact clause in both policies — page, paragraph, and coordinates highlighted.

Confidence Scoring | Calibrated

Every extracted value carries a 0–100 score. Low-confidence values route to human review automatically — no guesses in production.

Audit Trail | Logged

Every action — every extraction, every flag, every human override — logged with actor and timestamp. Immutable record for E&O defense.

 
What It Does

Policy-to-Policy Comparison AI Agent

Reads both policies in full — base form, every endorsement, schedules, and declarations together.
Maps like-to-like across two different carrier form structures so an honest comparison is possible.
Extracts every limit and sublimit with confidence scoring and X-Ray Mode citation.
Surfaces deductible changes — flat vs. percentage, per-claim vs. aggregate, structural shifts flagged.
Flags every exclusion change — manuscript exclusions, narrowing endorsements, broadening endorsements.
Identifies endorsement deltas — what was added, removed, or modified between the two policies.
Tracks named insured changes and additional insured definitional shifts critical for account takeover.
Compares schedules — SOVs, locations, vehicles, equipment — surfacing additions, removals, valuation changes.
Produces a plain-language summary calibrated to the audience — client-ready, broker-ready, or internal.
Delivers into your systems — Salesforce, AMS360, Epic, Sagitta, Guidewire, Duck Creek.
Outputs client deliverables — branded Word and PDF documents ready to send.
Stays audit-ready — every difference cited, sourced, and reproducible for E&O defense.
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

AI-powered policy-to-policy comparison is software that reads two insurance policies, identifies every difference in limits, deductibles, exclusions, and endorsements, and produces a side-by-side answer with each difference cited back to the source. Bevaya's AI Agent does this for renewals, account takeovers, and multi-carrier quote reviews — in minutes, not hours.

The AI Agent maps like-to-like at the coverage level, not the form level. It recognizes that one carrier's "Section II — Personal and Advertising Injury Liability" and another carrier's "Coverage B" describe the same coverage, then compares the actual limits, exclusions, and definitions inside them. InsurGPT™ has been trained on hundreds of ISO and carrier-specific manuscript forms.

Bevaya delivers 95%+ extraction accuracy on policy terms. Every extracted value carries a confidence score from 0 to 100. Low-confidence values route to human review automatically. Reviewers verify against source using X-Ray Mode, which highlights the exact clause behind each difference — so verification takes seconds, not minutes.

The AI reads the base form and every endorsement together, in the right order, and applies the modifying language correctly. When an endorsement narrows an exclusion or adds a sublimit, the comparison reflects what the endorsement actually does — citing both the base clause and the modifying endorsement in each policy.

A human always decides. The AI Agent returns a side-by-side comparison with a recommendation flag where a change materially affects the insured. A broker, CSR, or coverage specialist confirms, edits, or overrides — and the human action is recorded as the authoritative decision. The AI is decision support, not decision authority.

E&O claims tied to renewal-comparison gaps come from differences missed during manual review. The AI Agent reads every page of every endorsement consistently, so nothing is skipped because the reviewer is on their fourth policy of the day. Every difference is logged with a citation trail, creating the audit record E&O carriers ask for.

Today: CGL, Business Auto, Workers' Compensation, Property, Cyber, Umbrella, and Professional Liability. Additional lines are added on request. InsurGPT™ adapts to new form libraries through Bevaya's continuous learning loop, so a new line of business doesn't require a custom training cycle.

Weeks, not months. The AI Agent ships as a pre-configured workflow on the Bevaya Canvas, powered by InsurGPT™ models already trained on policy documents. Most agents are live in 8–12 weeks. Integration with your AMS or policy admin system is the longest step — and Bevaya's implementation team handles it with you.

Yes. Bevaya is SOC 2 Type II and ISO 27001 certified, with HIPAA-compatible deployments available. Every action is logged with actor, timestamp, and resource. SSO is supported via Azure AD and Okta, with role-based access control enforced at organization, workspace, and project levels. Visit the Bevaya Trust Center for full security documentation.

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