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AI for independent P&C insurance agencies.

Custom AI for $10M-$50M agencies running AMS360, EZLynx, or Applied Epic. Fixed fee. Working prototype before payment. Built on top of your AMS, not replacing it.

Audience25-500 employees
Revenue range$10M-$50M P&C
Native toAMS360, EZLynx, Applied Epic
Cycle4-6 week build
I · The pattern

"82% of commercial clients would leave a broker over slow response. Top-quartile clears COIs in 11 minutes."

Independent P&C agencies are caught between three forces. Carriers tightening submissions standards. Commercial clients expecting consumer-grade response time. Producers retiring faster than the bench can backfill. The industry's stack response, marketed by Vertafore and Applied for years, has been "AMS modernization." That helps, slowly, in eighteen-month rollouts.

The leverage that's available now, sitting unclaimed, is custom AI built on top of your existing AMS. The agencies who clear COIs in 11 minutes instead of 18 hours are not running better AMS configurations than the median agency. They are running thin AI layers between submission, AMS, and producer that the median agency has not built yet.

That's what we build. Custom, on your AMS data, in your tenant, owned by your agency at handoff. Below, the patterns we see in 8 of 10 agencies in this revenue band, and the systems we build to unblock them.

II · Five patterns we see in 8 of 10 agencies

Where commission is leaking.

Pattern recognition · twenty agency audits

Dollarized against agencies in the $10M-$50M band.

01COI turnaround at 18 hours, peers at 11 minutes.Recovery range: 12% of commission revenue, year over year. Commercial clients leave brokers over slow response. The custom-AI version of COI generation reads the client file, drafts the cert, validates against carrier templates, sends, and logs the activity to AMS, in under five minutes per request.01Of five
02Submission cycle eats senior CSR time.Recovery range: 25-40% of submission cycle time. Application intake, carrier-by-carrier formatting, supplemental questionnaires, retrieval of prior-year info. The custom-AI version handles all of it from the AMS, surfaces only the underwriting judgment calls to the producer.02Of five
03Renewals slip because the calendar isn't proactive.Recovery range: 4-9% of retention. 90/60/30 retention cadence is supposed to be automatic. In practice it isn't, because the agency hasn't operationalized it across producers. Custom AI watches the AMS for renewal trigger points and pre-stages the producer's outreach with prior-year context.03Of five
04Producer onboarding takes 18 months.Recovery range: 9-12 months of effective ramp time per producer. Institutional knowledge of carriers, appetite, niche markets, and "the way we write that risk" lives in the heads of three senior producers. Custom retrieval over the agency's submission archive turns a year-one producer into a year-three contributor.04Of five
05Carrier appetite is a constantly-moving target.Recovery range: 8-15% lift in win rate on commercial submissions. Carrier appetite memos, broker portals, underwriter relationships. The custom-AI version watches your submission outcomes, the carrier's appetite signals, and routes the next risk to the carrier most likely to write it before the producer types the first email.05Of five
III · What we build

Five system shapes.

Drawn from real engagements

4-6 week builds, fixed-fee, on your AMS, in your tenant.

I.

COI generation & delivery automation

II.

Submission packaging & carrier-format AI

III.

Renewal-readiness retention pipeline

IV.

Producer onboarding RAG

V.

Carrier-appetite routing

Evidence · last engagement

COI turnaround dropped from 18 hours to 9 minutes at a $24M Northeast P&C agency.

6-week build. Fixed fee. AMS360-native. Owned by the agency at handoff.

See case studies →
IV · The benchmark, free

Where do you rank?

10 inputs, 2 minutes

The COI Bottleneck Benchmark places your agency against 200 regional peers on operational velocity.

The COI Bottleneck Benchmark.

Your agency's percentile against 200 regional peers, broken down by COI, submission cycle, and renewal-readiness. No follow-up unless you book one.

Run the benchmark →
Free · 2 minutes
Percentile rank
3-page report
Email gates the PDF
V · Frequently asked

Common questions.

Q1What size agencies?$10M-$50M P&C, 25-500 employees. Independent agencies only, not carriers or national MGAs.SizingFAQ
Q2Do you replace our AMS?No. We build on top of AMS360, EZLynx, or Applied Epic. The system reads AMS data and works alongside it. Zero migration.StackFAQ
Q3What about Vertafore's AI products?Vertafore's roadmap is excellent generic vendor content for the average agency. Your agency is not the average. Custom AI is commissioned to your client mix, your carriers, your producer workflow.VendorsFAQ
Q4Engagement cost?$45K-$180K fixed-fee. Working prototype on agency data within 7-10 days at no cost.PricingFAQ
Q5Do you replace CSRs or producers?No. Across all engagements, zero CSRs or producers have been replaced. Pattern: agencies clear capacity, then choose to grow rather than shrink.TeamFAQ
Ready when you are

Book the 45-minute diagnosis.

No pitch. No fee. A written map of the velocity points bleeding your agency, with the dollar figures.

Book your diagnosis → Or run the benchmark →