You've got a stack of submissions. Each one needs data extracted, carriers identified, packages built, and emails sent. That's not underwriting—that's data entry with extra steps.
Agentic AI changes the game. Instead of tools that wait for you to click buttons, you get AI agents that handle entire workflows autonomously. They don't just assist—they execute.
New to underwriting automation? Start with our complete guide to insurance underwriting automation—it covers the full landscape before diving into agentic approaches.
What Makes AI "Agentic"?
Traditional automation follows scripts. If X happens, do Y. Rigid. Predictable. Breaks when anything changes.
Agentic AI is different. These systems:
- Make decisions — They evaluate options and pick the best path, not just follow rules
- Handle exceptions — Weird document format? Missing field? They figure it out
- Complete multi-step tasks — From "I have a submission" to "It's in the carrier's inbox"
- Learn and adapt — Get better at your specific workflows over time
Think of it like hiring a junior underwriter who never sleeps, never makes typos, and actually reads every document.
What Agentic AI Actually Does
Autonomous Document Processing
Agents scrape websites, parse PDFs, extract data from ACORD forms, and handle those random email attachments. They figure out what each document is and pull the relevant data—without you pointing and clicking.
Intelligent Carrier Matching
Given the risk profile, agents search carrier appetite databases, check capacity, and surface MGAs likely to quote. Not a keyword match—actual understanding of what carriers want.
Package Assembly
Agents build submission packages automatically—cover letter, ACORD forms, loss runs, supplementals. Formatted how carriers expect. Ready to send.
Delivery & Follow-up
Submissions go out via email—standard channels carriers already accept. Agents can track responses, flag declines, and surface quotes that need your attention.
Agentic vs. Traditional Automation
| Capability | Traditional Automation | Agentic AI |
|---|---|---|
| Handles document variations | Breaks on new formats | Adapts automatically |
| Multi-step workflows | Requires manual handoffs | End-to-end autonomous |
| Exception handling | Stops and waits for you | Figures it out or asks smart questions |
| Learning over time | Static rules forever | Improves with use |
| Setup complexity | Weeks of configuration | Works out of the box |
But Is It Safe?
Fair question. You've been burned by "AI" that hallucinates, loses data, or does something inexplicable.
Here's how Opensure handles it:
- Your data stays in your stack. We orchestrate—we don't take custody. The AI agents coordinate actions between your systems, not store client information.
- Human-in-the-loop where it matters. Agents handle the grind. You make the decisions. Final approval is always yours.
- Auditable workflows. Every action logged. Every decision traceable. Your compliance team will actually like this one.
- Standard outputs. Submissions look exactly like what carriers already receive. PDF + email. Nothing weird. Nothing that makes an underwriter squint.
Getting Started
You don't need a six-month implementation. Start with one workflow:
- Pick your worst bottleneck. Where do submissions pile up? That's your pilot.
- Install in minutes. Opensure's Market Finder starts as a browser extension. No IT project required.
- Let agents handle one type. Start with your highest-volume, most standardized submission type.
- Measure the difference. Track turnaround time before and after. You'll need the numbers to expand.
- Scale what works. Add more lines of business, more underwriters, more workflows.
Ready to see the bigger picture? Our underwriting automation guide covers implementation approaches, ROI measurement, and how agentic AI fits into your existing tech stack.