Submissions, schedules and bordereaux, read and checked for you. The risk decision stays with your underwriters.
An underwriting team's day fills up with documents that must be opened, read, keyed and checked. A submission arrives as a PDF and a spreadsheet. Bordereaux arrive as spreadsheets, each coverholder laying theirs out differently and changing the layout without warning. The work demands real skill where it matters and is mechanical everywhere else.
The cost is in the handling, not the decision
Three numbers show how well an underwriting team is running: the share of submissions that receive a quote, how long brokers wait for it, and how much premium and commission slips through the bordereaux because nobody has time to reconcile every line.
All three come down to the same constraint. Someone has to open the PDF, read the schedule, compare it with the last one and key it into the system, and the only people who can do that reliably are the people you would rather have pricing risk.
Led by an engineer who has built systems inside an MGA
Fusion AI Consulting's founder, Jack Quinn, spent his career building production systems in regulated finance, most recently at CFC, the largest independent MGA in the UK, with its own Lloyd's syndicate. The systems he worked on there processed over £3bn a year.
At CFC he built a risk rules engine, a service that turned inbound email into structured data, a firm identification service that worked out which company a submission referred to, and a bordereaux enrichment service. They correspond directly to four of the problems on this page: appetite and triage, submission intake, matching what arrives against what you already hold, and getting coverholder returns to reconcile.
All four ran in production, at live volumes, inside a regulated business. None of them was a pilot.
A submission, before and after
What we build for insurers and MGAs
These are the problems insurers and MGAs raise with us most often. It is not an exhaustive list: discovery decides what your firm needs, and occasionally the answer is none of the below.
Not your sector?AccountancyPrivate Equity and Banking
Proved on your own work before it goes live
No system takes over any part of your operation on the day it is finished. It runs in shadow mode first, alongside the people doing the work today. It reads the same submissions, triages the same inbox and reconciles the same bordereaux, while every reply to a broker and every entry in your systems stays with your team. Your existing process carries on exactly as before, so at no point are you relying on something unproven.
You can then set the order it would have ranked the submissions in, the figures it read and the discrepancies it raised against what your underwriters found. Shadow running lasts as long as you want it to, on your own work.
When you are satisfied with the results, you decide when it goes live, and you can start with part of the work. From then on, the system does the work it has shown it can do.
Questions
Start with a conversation
The first conversation is free. We will talk through where your team’s time is going and tell you plainly whether we can help.