AI for insurance agencies
AI can take certificate requests, renewal prep, policy checking and service inbox work off your account managers. Fixed Labs builds these workflows inside Applied Epic, AMS360 or the management system you run, then runs them after launch. We work with commercial agencies and brokerages: established businesses doing $5M+ in revenue.
A first workflow
We measure
Certificate turnaround time, and account manager hours spent on certificates.
Today
Account managers stop what they are doing to issue certificates and check additional insured wording by hand.
With AI
The workflow reads each certificate request, checks it against the policy in your management system and drafts the certificate.
Who approves
Requests that need a new endorsement or wording the policy does not support go to a licensed account manager.
Built around systems like
We work with principals, COOs and operations leaders at commercial agencies and brokerages with dedicated account management teams. Many are acquiring agencies or are part of a PE-backed platform. Triggers include overloaded account managers, renewals that start late, or an acquired agency moving onto your management system.
Account managers spend their days on service work that does not grow the book. Certificate requests interrupt every hour. Renewal prep starts late, so submissions go to market late and quotes come back close to expiration. Issued policies wait weeks to be checked against what was bound. Re-keying applications into carrier portals eats the rest of the day.
Workflows
Today
Account managers stop what they are doing to issue certificates and check additional insured wording by hand.
With AI
The workflow reads each certificate request, checks it against the policy in your management system and drafts the certificate.
Who approves
Requests that need a new endorsement or wording the policy does not support go to a licensed account manager.
We measure
Certificate turnaround time, and account manager hours spent on certificates.
Today
Renewal prep starts late because account managers rebuild exposures and applications from last year’s files.
With AI
The workflow opens each renewal on schedule, requests updated exposures from the client and drafts the submission.
Who approves
The producer or account manager reviews each submission and decides which markets it goes to.
We measure
Renewals started on schedule, and days before expiration that submissions go to market.
Today
Staff compare issued policies to the quote and binder line by line, often weeks after the policy arrives.
With AI
The workflow compares each issued policy with the binder and quote and lists every difference in limits, forms and endorsements.
Who approves
A licensed account manager reviews each difference and decides what goes back to the carrier.
We measure
Days from policy received to policy checked, and discrepancies sent back to carriers.
Today
Endorsement requests, loss run requests and client questions pile up in shared inboxes.
With AI
The workflow sorts the service inbox, drafts routine replies and loss run requests, and opens activities in your management system.
Who approves
Account managers approve every client reply and decide on any coverage change.
We measure
Service requests past their due date, and time to first response.
A first engagement
Most agencies start with certificate requests or renewal prep, because volume is high and the rules are written down. A first workflow usually reaches production in three to six weeks, built with your account management lead and IT lead. A licensed person approves anything that touches coverage, and binding or changing a policy stays with licensed staff.
We work inside the software your team already uses. No rip-and-replace.
Discover
Count certificate, endorsement, renewal and policy checking volume by account manager and by month.
Walk a renewal from the first reminder to bound coverage, and note where it waits.
Review how your management system, carrier portals and inboxes share data today.
Mark every step that needs licensed judgment, so the workflow never decides coverage.
Build and run
Build inside Applied Epic, AMS360 or your current management system, where your team already works.
Write certificate rules, renewal timelines and service templates down with your account management leads.
Test on real certificates, renewals and policies with your staff, then run supervised before full volume.
Report monthly on turnaround, backlog and the requests that still needed a licensed person.
Start with certificate requests, renewal prep and policy checking, because they take account manager hours every week and follow written rules. Service inbox triage often comes next. Each shows up in numbers you already track, such as turnaround and renewals started on time. Coverage decisions and client advice stay with licensed staff.
A first workflow usually reaches production in three to six weeks. The range depends on access to your management system and carrier portals, and how settled your service rules are. Agencies with consistent data in Applied Epic or AMS360 move fastest. Acquired books on other systems take longer.
Each workflow has a fixed build fee and a monthly fee to run it. We quote both after discovery, once we know your systems, volume and how much review the work needs. You see the full price before any build starts. The monthly fee covers monitoring, fixes and updates when carriers, forms or your own rules change.
No. Licensed producers and account managers keep every coverage decision and all client advice. AI takes the repetitive preparation and follow-up: drafting certificates, building renewal packages, checking policies against binders and sorting the service inbox. A licensed person reviews anything that touches coverage. Account managers get time back for clients.
Each workflow gets only the access it needs, through accounts your agency controls. Client and policy data stays in your management system, and we document what each workflow can read and change. Your IT lead reviews that design during discovery. Anything outside agreed templates needs a person’s approval. Specific data terms go into the agreement.
A 15-minute discovery call. We learn how the work runs today and tell you honestly whether AI can take it on.
Book a discovery call