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-to-Policy Comparison.
Two policies in. One clear answer out. Limits, deductibles, exclusions, endorsements — every difference identified, every change cited back to the source.
0 differences across 0 policies
Trusted by leading P&C carriers, brokers, and TPAs
The operating reality
Two policies. Same risk.
The differences hide in the details.
Every renewal, every account takeover, every quote on a new carrier — somebody has to read two policies and explain the differences. Today that work runs on highlighters and side-by-side Word docs.
Comparisons take days when they should take minutes.
A side-by-side review of two full policies runs four to eight hours in skilled hands. Renewals queue up. Clients wait. Brokers lose the chance to lead the conversation.
Critical differences get missed.
A new sublimit on water damage. A changed deductible structure. An exclusion added by endorsement on page 47. The misses don't surface until a claim is filed.
E&O exposure builds quietly.
If your team can't consistently flag what changed, and your client doesn't know what changed, the gap becomes your problem. E&O claims rooted in renewal-comparison gaps are some of the most expensive — and entirely preventable.
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.
ID
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 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
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
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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