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 Exposure Schedule Extraction and Review
Property schedules arrive in every format — multi-tab workbooks, PDF schedules, renewal exports. Your Exposure Schedule Extraction and Review Agent reads every location, validates the math, geocodes the addresses, and hands underwriters a clean, system-ready file in minutes.
Triangulated summary across 0 documents
Trusted by leading P&C carriers, brokers, and TPAs
The schedule bottleneck
The SOV is where property risk lives.
It's also where underwriting stops.
A commercial property submission can arrive with 50 locations or 50,000.
The schedule is rarely clean — and turning a broker's workbook into structured data is still mostly manual.
Every SOV is a different shape.
Broker templates, carrier exports, mixed-tab workbooks, PDF schedules. Your team rebuilds the structure every time a new submission lands.
Underwriters spend hours on data prep before they can price.
Normalizing addresses, validating TIVs, filling missing fields, reformatting for the CAT model. None of it is the work property underwriters were hired to do — and it pushes quotes from days into weeks.
Bad SOV data shows up at the worst time.
A missed address, a misread TIV, an occupancy code mistyped. The cost doesn't show up at quote — it shows up at the CAT event, the renewal, or the loss.
How your AI Workforce works
From a broker's workbook to a system-ready schedule — in minutes.
The AI Agent picks up the SOV the moment it arrives, extracts every location and every field, validates the math, geocodes the addresses, and routes a clean schedule to the underwriter. Property underwriters see clean data — not the broker's spreadsheet.
ID
THE ENGINE INSIDE
Most AI summarizes one document.
InsurGPT™ understands the whole file.
Claims Powered by InsurGPT™ — the model that understands property schedules.
Insurance-native intelligence
InsurGPT™ understands COPE data, occupancy codes, and the relationship between TIVs and location-level values — not just text in cells. It reads a schedule the way an underwriter does, and gets sharper on your portfolio every month.
COPE-Aware Extraction | Domain-native
Construction, occupancy, protection, and exposure fields are recognized as structured concepts — not pattern-matched strings. Occupancy codes resolve to their canonical meaning even when the broker's workbook uses local shorthand.
TIV Reconciliation | Relational
Location-level values are reconciled against schedule totals automatically. Mismatches between building, contents, and BI TIVs surface as flags, not silent errors buried 4,000 rows deep.
Portfolio Feedback Loop | Adaptive
Every reviewer correction becomes training signal. The Agent learns the quirks of your brokers, your formats, and your book — and gets measurably sharper on your portfolio every month.
Grounded extraction with X-Ray Mode
Every TIV, every address, every COPE field traces back to its exact cell or page. Reviewers verify in seconds, not minutes — and audit trails are built in, not bolted on.
X-Ray Mode | Traceable
Click any extracted value and jump straight to the exact cell, page, or coordinates it was sourced from. No hunting through tabs to confirm where a number came from.
Field-Level Citations | Cited
Every TIV, address, and COPE field ships with its source location attached. Review pages render the value alongside the original artifact, side by side.
Confidence Scoring | Calibrated
Each field carries a calibrated confidence score so reviewers know which values are safe to auto-accept and which deserve a second look before binding.
Intelligent document orchestration
A submission with an ACORD, an SOV, and supplementals isn't one workflow item — it's three. InsurGPT™ splits the package and routes each piece to the right model.
Package Splitting | Structured
Multi-document submissions are decomposed into their parts on arrival. The ACORD, the SOV, the loss runs, and the supplementals each become their own work item with the right context attached.
Model Routing | Specialist
Each artifact is routed to the model trained for it — ACORD parsers handle ACORDs, schedule models handle SOVs, narrative models handle loss runs. No generalist guessing across formats.
Workflow Handoff | Connected
Extracted data lands in your PAS, rating engine, or review queue in the shape your downstream systems expect — not a generic JSON blob someone has to remap.
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
What It Does
Designed for the way property underwriters work.
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 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.
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
Resources for property underwriting leaders.

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
Yes. Bevaya's Schedules & SOV Extraction Agent reads across every tab in a broker workbook, follows formula references, identifies which tab contains locations vs. values vs. keys, and reconstructs the schedule into structured location-level data. It handles merged cells, hidden columns, and footers placed in the middle of data — formats that break generic IDP tools.
Missing or out-of-range fields are flagged automatically. Each exception lands in the Review Queue with the source cell, confidence score, and the rule that triggered the flag. Reviewers correct items in under two minutes on average. The Agent does not silently fill gaps — every field is either extracted with high confidence or surfaced for human review.
Bevaya extracts every standard property field per location: street address, property type, year built, square footage, occupancy class, construction class, sprinkler and alarm protection, roof type, and the full TIV breakdown (building, contents, business interruption, total). Each field carries a confidence score and links back to the exact source cell or PDF page.
Output formats include CSV, Excel, JSON, and direct API integration to policy admin and underwriting systems. Files can be formatted for downstream CAT modeling tools including Moody's RMS, Verisk AIR, and Karen Clark & Company, or for your internal modeling pipeline. The output schema is configured during deployment to match your team's standard.
Yes. The Agent compares a renewal schedule against the prior-year SOV on file and surfaces every change: added locations, removed locations, value increases or decreases by location, and changes in property attributes (construction, occupancy, protection, year built). Underwriters see what actually changed instead of re-reviewing the entire schedule.
Customers see 90%+ extraction accuracy on location-level data. Straight-through-processing rates depend on schedule complexity and the confidence threshold each customer sets — typical deployments range from 70% to 85% STP after the first quarter. Bevaya tunes thresholds with each customer, and the Agent improves continuously from reviewer corrections.
No. The Agent reads whatever format brokers send — multi-tab Excel, PDF schedules, broker-specific templates, renewal exports from other carriers' systems. If you have a standard schema you want all schedules mapped to, the Agent maps to that schema on output. Format normalization stops being your team's job.












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