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 Automation
Meet your AI Workforce for Underwriting.
AI Agents that triage, analyze, and recommend across every submission — alongside your underwriters, from broker intake through quote and renewal.
platform.bevaya.ai/underwriting/SUB-2026-04432 Trusted by leading P&C carriers, brokers, and TPAs
The operating reality
Submission volume is up. Underwriter capacity isn't.
That's where deals get lost, quotes go late, and senior underwriters get pulled into work they shouldn't be doing.
Submissions outpace your underwriters.
Email, broker portals, supplementals — more submissions in more formats. Underwriters spend hours reading before risk evaluation can begin.
Slow quotes lose the deal.
Brokers go where they get fast answers. Every hour a submission sits in your queue is another hour a competitor quotes first.
Senior underwriters do junior work.
Reading 60-page packages and rekeying loss runs eats expert time. Renewal season makes the trade-off worse.
The Underwriting Flow
Your AI Workforce across the underwriting flow.
From the moment a broker submission arrives to the day you bind or renew. Each AI Agent is pre-trained on Bevaya's insurance-native AI and joins your underwriting team in weeks, not months.
Ingestion
What comes in — from brokers, and beyond.
SUB-2026-08394
RECEIVEDEastern Empire Logistics
Commercial Auto + GL
$1.2M target · Marsh
Extracted in 18 seconds
AI AGENTS
Evaluation
What's worth your senior time — conflicts caught first.
APPETITE & CLEARANCE
Within appetite
Not on the book
Sub-broker conflict
Routed to senior desk · 4 min
AI AGENTS
Rating
Rating-ready, every time.
SUB-2026-08394
READYRating-ready
Clean, complete file
On the desk in 38 minutes
AI AGENTS
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
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.
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
Trust & Security
Trust by design
Built for an industry where data security isn't optional.
Your data stays yours.
Never shared with other customers or vendors. Bevaya doesn't train shared models on your data.
Visit the Trust CenterYour data · only your team sees it
Encrypted end-to-end.
256-bit AES encryption, in transit and at rest. Independent third-party audits conducted annually.
Visit the Trust CenterAudited annually · independent third party
Runs in Azure.
Enterprise-grade infrastructure, hosted where insurance organizations already trust their data.
Visit the Trust CenterDeploy where your stack already lives
Every decision audited.
Immutable audit logs. Confidence scoring. Human-in-the-Loop review on low-confidence items.
Visit the Trust CenterImmutable trail · every decision, every reviewer
FAQ
Frequently asked questions
Underwriting automation uses AI Agents that understand insurance work to handle the repeatable steps across the submission lifecycle — intake, analysis, and quote or renewal preparation. The goal is to give underwriters back the time spent reading and rekeying so they can focus on appetite, pricing, and the risk decisions only experts should make.
AI reduces quote turnaround by reading every submission the moment it arrives. Bevaya's AI Agents classify the package, extract ACORD and supplemental data, structure SOVs and loss runs, and route the file to the right underwriter — so the file is quote-ready in minutes instead of days. Faster quotes win more deals before brokers go elsewhere.
Bevaya's AI Agents work across the underwriting flow — ingestion, triage, clearance, and rating. They include submission intake, ACORD form extraction, schedules and SOV extraction, loss run processing, policy to policy comparison, and policy renewal handling. Custom AI Agents can be built for workflows specific to your operation.
Bevaya's AI Agents reach 98%+ accuracy on insurance-specific tasks because they're trained on more than 300 million real insurance documents. Loss runs reach 91%+ accuracy on complex multi-format data. Every AI Agent runs with confidence scoring per field, so low-confidence work routes to your team for review — and accuracy improves from reviewer feedback over time.
Carriers, brokers, and MGAs running Bevaya for underwriting see ACORD submission processing drop from 10-15 minutes to under 2 minutes, up to 80% straight-through on submissions, and senior underwriter time freed for risk and pricing decisions. Outcomes vary by AI Agent, workflow, and starting point.
OCR reads characters off a page without understanding what they mean. An AI Agent reads insurance documents the way an underwriter does — it recognizes that "BPP" on an ACORD 125 means Business Personal Property, that three large losses on a 5-year loss run warrant closer review, and that a missing supplemental application is a clearance issue. OCR digitizes. An AI Agent makes the file decision-ready.
GET STARTED
Ready to design, deploy, and govern your AI workforce?
Bevaya AI Agents can help you triage, analyze, and recommend across underwriting, claims, and policy servicing.
Let's connect and show you how it works.












.png?width=300&name=progressive-fleet%20-%20black%20(1).png)
