Insurance Agencies & Claims
Your agency doesn't need another portal. It needs the reading, keying, and checking done before a CSR ever opens the file.
In one line
Run an independent agency, an MGA, or a brokerage and you already know where the day goes. Submissions land as PDFs and get re-keyed into the AMS by hand. Loss runs are read line by line to summarize the account. Renewals are worked in the order they come due, so the whole book never gets looked at for remarketing or coverage gaps. COIs, endorsements, policy-checking, and FNOL intake all queue onto the same few CSRs. The work gets done — slowly, inconsistently, and at a cost that climbs with every new account rather than staying flat.
This matters more now than it used to. Insureds and account managers expect a same-day turn on a cert or a quote, and the agencies winning accounts are the ones that clear intake and renewals fast without dropping the ball. At the same time the downside has grown: a missed coverage gap, a policy that doesn't match the binder, or a certificate issued wrong is not just lost time — it is exactly the kind of avoidable error that turns into an errors-and-omissions claim. Speed that skips the checking is a liability; checking done entirely by hand is the bottleneck you are trying to escape.
Plenaura builds the system that sits between an incoming submission and a clean, defensible file — not a chatbot bolted onto your AMS, and not a slide deck of recommendations. We build the document-intelligence layer that reads ACORDs, loss runs, and dec pages into your management system; the renewal-book mining that flags remarketing candidates, coverage gaps, and cross-sell openings across your whole book; and the intake automation for COIs, endorsements, policy-checking, and FNOL. Every output is drafted for a licensed human to review — the system never makes the coverage or binding call itself, because that responsibility stays with your team.
The outcome is a back office that scales with your book instead of your headcount. The same CSRs and producers handle more accounts because the reading, keying, and first-pass checking are already done when they open the file. Renewals get worked as a book, not a to-do list, so remarketing and rounding opportunities stop slipping past. And because you own 100% of the code, models, and data pipelines — deployed on your own infrastructure and wired into the AMS you already run — there is no per-seat platform tax eating your commission and no vendor holding your agency's operation hostage.
What we can build for Insurance
Submission intake & ACORD extraction
Pipelines that read ACORD applications, supplemental forms, and email submissions and post the data straight into the right account in your AMS — so a new or renewal submission arrives quote-ready instead of as a PDF a CSR has to re-key by hand. Low-confidence fields are flagged for a quick human check, not silently guessed.
Loss-run reading & account summary
Automated extraction from carrier loss runs in whatever format they arrive — PDF, scan, or spreadsheet — pulling claim counts, paid and reserved amounts, and loss patterns into a clean account summary. The analysis a CSR would otherwise tabulate by hand is ready before quoting starts, with the source documents attached.
Renewal-book mining
Systems that work your whole book rather than just what's due this week — flagging remarketing candidates, coverage gaps, under-insured accounts, and cross-sell and account-rounding openings. Producers get a ranked list of who to call and why, so renewal season becomes proactive instead of a scramble against expiration dates.
Certificate (COI) issuance automation
Certificate requests are read, matched against the actual policy and its limits, and generated as a draft cert ready for a quick human sign-off. Holder and additional-insured details are pulled from the policy rather than typed fresh each time, turning a high-volume, error-prone task into a review — with a person still approving anything unusual.
Policy-checking
The system compares quote against binder against the issued policy line by line, surfacing discrepancies in limits, forms, endorsements, and named insureds before they reach the client. Catching a mismatch at issuance rather than at claim time is one of the clearest E&O defenses an agency has — and it's slow, exacting work a machine does well.
FNOL triage & claims assembly
First notice of loss is classified by line and severity, routed to the right carrier or adjuster, and packaged with the policy details and supporting documents already gathered. The insured gets a fast, consistent first response and your team stops rebuilding the same claim file by hand — with anything urgent or ambiguous escalated to a person at once.
AMS & carrier integration
Built to connect to your management system (AMS360, Applied Epic, HawkSoft, EZLynx and similar) and to carrier downloads and portals, so the pipeline acts on live account data and writes back where your team works. Endorsement processing and commission reconciliation — matching carrier statements to expected commissions — run on the same connected data.
How we deliver it
Start with the book
We map how your agency actually runs first — how submissions come in, how renewals get worked, where COIs and policy-checking pile up, and where accounts and commission quietly leak — so we automate the steps that cost you, not the ones that demo well.
Keep a licensed human in control
The system drafts, extracts, checks, and flags; a licensed producer or CSR decides. It never binds coverage or makes an underwriting call on its own. That keeps responsibility where the license sits and is also what makes your team trust and actually adopt it.
Build for E&O defense
Because agency errors get expensive, we design traceability in from the start — every extraction, cert, and policy-check recorded with its source documents — so you can show what was checked and why, and catch discrepancies before they become claims.
Ship to production, in your AMS
We don't hand over a model in a notebook. We integrate the working system into your live AMS and carrier workflows, deployed on your infrastructure and running against real submissions, renewals, and claims — on a clear timeline agreed up front.
Hand over everything
Code, models, data pipelines, and documentation are all yours. Your team can maintain, tune, and extend the system after we leave, with no platform lock-in and no per-seat or per-transaction fee eating your commission.
What these systems are built to do
The kind of capability these systems give you — not client metrics.
AI for Insurance — answered
Yes — that integration is the build, not an afterthought. We connect to your AMS (AMS360, Applied Epic, HawkSoft, EZLynx and similar) and to carrier downloads and portals, so extracted data lands in the correct account and policy record and the system acts on live data. The goal is intelligence embedded in the AMS your team already lives in, not another standalone tool people forget to check.
Accurate enough to handle the bulk of submissions, loss runs, and cert requests straight through, with confidence scoring that routes anything uncertain to a person instead of guessing. We build for the reality that ACORDs, dec pages, and loss runs arrive as inconsistent PDFs, scans, and photos, and we measure performance on your real document mix during the build — not a clean demo set. Where a document is too poor to read reliably, it goes to a human rather than getting a fabricated value.
No — and this is deliberate. The system reads documents, preps quotes, checks policies, drafts certificates, and flags gaps and remarketing opportunities, but a licensed producer, CSR, or underwriter always makes the coverage, binding, and underwriting decision. It removes the manual reading, keying, and first-pass checking so your licensed people spend their time on judgment, not data entry. The license and the responsibility stay with your team.
Two ways. First, the policy-checking layer compares quote, binder, and issued policy to catch limit, form, and endorsement discrepancies before they reach the client — the exact errors that become E&O claims. Second, every extraction, certificate, and check is recorded with its source documents, so you have a traceable record of what was reviewed and when. It's designed to strengthen your documentation discipline, not replace your compliance judgment.
We deploy on your infrastructure — your servers or your cloud account — so policyholder and claims data stays within your environment and under your controls. You own the code, models, and pipelines outright, with no dependency on a third-party platform processing your clients' data. Security and data-handling requirements are designed into the architecture from the start rather than bolted on later.
You own 100% of it — the code, the models, the data pipelines, and the documentation — deployed on your infrastructure and wired into your AMS. There are no per-seat platform fees and no per-transaction charges eating your commission. We hand everything over with a knowledge-transfer session so your team can run, tune, and extend the system after we leave. If an off-the-shelf tool genuinely solves a piece of this better, we'll tell you that honestly rather than overbuild.
Related use cases
Other industries we build for
Let's build it for Insurance.
Tell us the operation you want to transform. We'll map the system and scope it with you — or give you an honest no.