Agents that triage underwriting submissions, accelerate FNOL and claims, and surface fraud signals for the SIU — each decision cited to the policy wording and logged for market-conduct review. Built for carriers, MGAs, and TPAs.
An insurer's loss ratio and expense ratio are both decided in queues. Underwriters drown in submissions, most of which fall outside appetite or arrive incomplete; claims teams race the clock on first notice of loss while leakage and fraud slip through under volume pressure. The work is repetitive and rules-bound, but the stakes are real money and real regulatory exposure — bind the wrong risk or mishandle a claim and the cost compounds. That tension is precisely where an agent earns its keep.
An eeko insurance agent reads the submission or the loss notice, extracts the structured data, checks it against your appetite, guidelines, and policy wording, and either clears it, prioritizes it, or routes it to an underwriter or adjuster with the analysis already done. Every disposition cites the guideline or clause it applied and is written to an audit log — so you get throughput and a record you can defend in a market-conduct exam or coverage dispute.
Three hardened layers, tuned to underwriting discipline and fair-claims handling.
The fastest returns sit in the submission and claim queues that drive both ratios:
AI agents work the submission and claim queues that define carrier economics — triaging and clearing underwriting submissions against appetite, intaking first notice of loss and setting up claims, answering policy and coverage questions from the document, and flagging fraud signals for the SIU. Each agent reads from your policy admin and claims systems through controlled interfaces, grounds its judgment in the policy wording and your guidelines, and routes anything that binds coverage or pays a claim to a licensed human.
Every agent decision cites the policy clause, guideline, or rule it applied, and the full reasoning chain is written to an append-only log you can produce in a market-conduct exam or coverage dispute. Underwriting and claims actions sit behind human sign-off, models can run inside your own environment so policyholder data stays protected, and the agent applies your filed rules consistently rather than improvising — which is the core of fair-claims and unfair-trade-practice compliance.
Show us your submission inbox or your FNOL queue, and we will scope an agent that triages at machine speed, cites the wording, and keeps an underwriter or adjuster in the loop. Response inside 24 hours.