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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
Underwriting
SUB-2026-04432
Atlas Logistics Inc. · GL + Property · Eff. 2/1/2026
Quote-Ready
 
Your AI workforce on this submission
Submission Intake Routed·In Appetite
ACORD Form Extraction ACORD 125·47 fields
Schedules & SOV Extraction 12 locations·TIV $87M
Loss Run Processing 5 yrs·$1.2M incurred
Policy Renewal Handling In progress…
Underwriter: J. Carter · Last updated 3 min ago Time to Quote: 4 hrs
Trusted by leading P&C carriers, brokers, and TPAs
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.

 

1

Ingestion

 

What comes in — from brokers, and beyond.

SUB-2026-08394

RECEIVED

Eastern Empire Logistics

Commercial Auto + GL

$1.2M target · Marsh

Extracted in 18 seconds

AI AGENTS

2

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

3

Rating

 

Rating-ready, every time.

SUB-2026-08394

READY

Rating-ready

Clean, complete file

On the desk in 38 minutes

AI AGENTS

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
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.

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
Trust & Security

Trust by design

Built for an industry where data security isn't optional.

Data ownership

Your data stays yours.

Never shared with other customers or vendors. Bevaya doesn't train shared models on your data.

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Your tenant
No training
Logical isolation
Role-based access
SSO + SCIM
Customer-managed keys

Your data · only your team sees it

Compliance

Encrypted end-to-end.

256-bit AES encryption, in transit and at rest. Independent third-party audits conducted annually.

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SOC 2 Type 2
HIPAA
GDPR
CCPA
23 NYCRR 500
AES-256

Audited annually · independent third party

Deployment

Runs in Azure.

Enterprise-grade infrastructure, hosted where insurance organizations already trust their data.

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Microsoft Azure Azure Marketplace
AWS Private VPC
Google Cloud GCP-native
Azure Marketplace
Guidewire Marketplace

Deploy where your stack already lives

Oversight

Every decision audited.

Immutable audit logs. Confidence scoring. Human-in-the-Loop review on low-confidence items.

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AI extracted limits from ACORD 125 98% conf.
Reviewer confirmed coverage Approved
Endorsement flagged for review 62% · HITL
Policy match validated 95% conf.
Audit log written · immutable Sealed

Immutable 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.