AI in an insurance brokerage: what can an agent prepare for our account managers?

Examples of agents we build for insurance brokers

Each agent is custom-built on your own tools; a few examples:

• The renewals agent: spots the policies due for renewal in the coming months in your broker management system and opens each renewal file.
• The submission agent: fills in your template from the client file, questionnaires and loss history, each item pointing to its source.
• The comparison agent: reads insurer quotes, each in its own format, and builds the table of coverages, deductibles, exclusions and premiums.
• The IDD agent: drafts the demands-and-needs statement and advice record from meeting notes, and flags the files where they are missing.
• The inbox agent: files quotes, endorsements and certificates received from insurers into the right client file and alerts the account manager.
• The policy check agent: compares the policy issued by the insurer with the quote accepted and flags any different coverage, deductible or limit.
• The client reminder agent: requests missing documents and questionnaires before a renewal, once approved or automatically for simple requests.
• The claims agent: drafts the notification to the insurer, tracks the documents and chases the insurer when the claim stalls.
• The group benefits agent: answers clients' HR teams about their health and protection plans, citing the clause behind each answer.
• The management agent: prepares a view for the partners of the book by line of business, upcoming renewals and overdue files.

Can it prepare the risk submission for insurers?

Before a renewal or a tender, the risk has to be described: business activity, locations, revenue, current coverages, deductibles, loss history. The agent gathers these from the client file, the questionnaires and the correspondence, and fills in your Word submission template, with each item pointing to its source.

It starts from last year's submission, flags what has changed (a new site, revenue, the year's claims) and drafts the emails to the insurers you have chosen to approach.

Can it compare insurer quotes?

Every quote comes in its own format. The agent reads them and builds a comparison table in Word or PowerPoint: coverages, limits, deductibles, exclusions, premium, with the page of the quote behind each line. It flags what differs from the current policy.

When the insurer issues the policy, the agent compares it with the quote accepted and flags any difference in coverage, limit or deductible.

Can it document the demands and needs and the advice given?

The French Insurance Code (article L. 521-4, which transposes the Insurance Distribution Directive) requires the distributor to set out the client's demands and needs in writing and to state the reasons for its advice. The agent prepares a first draft of that document from the meeting notes, the client file and the quotes shortlisted.

It also flags the files where this document is missing or out of date. The advice and the reasons for it remain the broker's, and the broker approves the document before the client receives it.

Can it support a client through a claim?

When a client reports a claim, the broker follows it with the insurer. The agent lists the documents received and the ones missing, drafts the notification and the follow-ups to the insurer, and summarizes the exchanges for the next client call.

It tracks deadlines, chases the insurer when the claim stalls and alerts the account manager before the client has to ask where things stand.

Can it answer questions about policies, group benefits included?

Clients' HR teams keep asking the same questions about their group health and protection plans, and your staff dig through plan booklets and policy wordings. The agent drafts the answer from the policy documents and cites the clause it comes from. Saména also finds a past file by client, line of business or insurer, citing the source.

You then ask the way you would ask a colleague who had read everything:

• What deductible did we get on this client's fleet last year?
• Which food industry clients have we placed for general liability?
• What does this client's group protection plan cover for sick leave?

Where do our clients' files go?

Your files stay in SharePoint, OneDrive or Dropbox. Saména reads them in read-only mode and keeps no copy. What it retains is encrypted with a key unique to your firm.

Processing servers are in France, the database is in the European Union. You choose the model: Claude, models from OpenAI, or Mistral if you prefer a French model. It runs in Europe and keeps none of your data. If your requirements call for it, Saména can run on your own infrastructure, and everything can be deleted on request.

Where do we start?

With a half-hour call. We look at how your firm works, from renewal to claim, with which tools, and pick the first agent to build together.

Our engineers build it on your tools: it is usually running two weeks after the call, in the Saména app and also from Claude, ChatGPT or Copilot. They then stay on to keep it evolving and build the next ones. There is a one-time setup fee, then a monthly subscription; we share the amounts on the call.

Frequently asked

Does the agent recommend a policy to the client?

No. The agent prepares the submission, the comparison and a first draft of the demands-and-needs statement. The recommendation and the advice are the broker's.

Can the agent connect to our broker management system?

Yes, that is the point of a custom build: we connect to the tools you already use, broker management system, email, insurer portals where possible, SharePoint, OneDrive or Dropbox. We look on the call at how to connect to yours.

Can we start with one line of business?

Yes. You can start with one team and a first agent, for example on commercial P&C renewals, then expand to group benefits whenever you want.

Does Saména already work with insurance brokers?

Saména currently works with a consulting firm, an environmental engineering consultancy and a network of car repair garages, and each agent is built around the way the company using it works. The first call is there to see what an agent would take over for you.