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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.

Trusted by leading P&C carriers, brokers, and TPAs
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.

 
SUBMISSION INTAKE
PROPERTY · MULTI-LOCATION · BROKER PACKET RECEIVED
PACKET
ID
SUB-
88241
 
PACKET SPLIT
FROM
producer@aon-property.com
Subject: New submission · Stoltz Industries
CHANNEL
Broker email · attachment
Arrived 09:14 ET
FILES IN PACKET
5 files
SOV IDENTIFIED
Stoltz_SOV_v3.xlsx
SUPPORTING CONTEXT
4 files routed separately
SCHEDULE DETECTED
INSURED
Stoltz Industries Holdings
Manufacturing · multi-state
LOCATIONS DETECTED
147 locations · 3 worksheet tabs
Broker schema · format A
PACKET MONITORED — SOV ISOLATED
Schedule separated from supporting context automatically
Multi-document packets split — every component routed to the right downstream step
No format gymnastics for the broker — any SOV format accepted
Watching every channel
 
 
 
 
 
 
 
147 locations · every cell traced
TOTAL INSURED VALUE
$847.2M · math validated across 147 locations
0.99
ADDRESS NORMALIZATION
144 USPS-validated · 3 normalized variants
0.97
GEOCODING
147 locations · rooftop or street level
0.98
CONSTRUCTION · OCCUPANCY
142 complete · 5 pending verification
0.94
OUT-OF-RANGE VALUES
Loc 089 · TIV $1 · likely placeholder
FLAG
MISSING FIELDS
3 locations missing year built · flagged
0.96
TIV validated · 5 exceptions flagged
 
 
Guidewire PolicyCenter
142 locations system-ready · 5 flagged
Duck Creek · Majesco
Synced via API in target schema
CAT Modeling Pipeline
Geocoded SOV pushed to RMS / AIR
UW Workbench · Review Queue
Exceptions surfaced with full context
System-ready · in your format
Picks up SOVs the moment they arrive
Broker email, producer portals, UW inbox, SFTP, API — every channel watched together
Multi-document packets split automatically — schedule separated from supporting context
Any SOV format accepted — Excel workbooks, PDF schedules, broker-custom layouts
Reads every location, every tab
Reads multi-tab workbooks and PDF schedules — no manual cell-by-cell pasting
Every field carries a confidence score — high-confidence flows through, low-confidence routes for review
X-Ray Mode traces every value back to its exact cell in the source schedule
Validates, normalizes, enriches
Validates the TIV math across locations — building, contents, BI, and totals reconciled
Normalizes and geocodes addresses to rooftop or street level for CAT modeling
Flags missing or out-of-range fields before they reach the underwriter
Hands underwriters a system-ready file
Pushes into Guidewire PolicyCenter, Duck Creek, Majesco, or your UW workbench — in your target schema
Geocoded SOV pushed into the CAT modeling pipeline — ready for RMS or AIR
Exceptions land in the Review Queue with full context — never lost in an inbox
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

Submission throughput
200%
Location-level data accuracy
90%+
Less document prep time
87%
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
What It Does

Designed for the way property underwriters work.

Multi-format extraction. Multi-tab Excel workbooks, PDF schedules, broker templates, renewal exports from other carriers' systems.
Address geocoding. Every location normalized and geocoded. Unresolved addresses flagged before they reach the CAT model.
Renewal comparison. Compares this year's SOV to last year's and surfaces added locations, removed locations, value changes, and attribute changes.
Output to your format. CSV, Excel, JSON, or direct to your PAS or CAT model (RMS, AIR, KCC-ready).
Configurable confidence thresholds. You set the bar for what flows through automatically and what goes to review.
Full audit trail. Every extraction, edit, and submission logged for compliance and continuous model improvement.
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 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.

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

Resources for property underwriting leaders.

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

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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