Enterprise AI for Commercial Insurance

Solve the Submission
Black Hole

Process 90% more submissions with citation-backed AI. Win the race to quote. Zero hallucinations. 100% auditable. NAIC-ready.

30 Mins
Time to Quote
vs. 3-5 days manual
5% Reduction
Premium Leakage
$29B annual problem
90%+
Submission Coverage
vs. 25-40% today
SOC 2 + NAIC
Compliance
Audit-ready

The $29B Revenue Leakage Problem

60-75% of submissions never get reviewed. Critical exclusions are missed in 50-page engineering reports.
Generic AI can't solve this. You need insurance-native reasoning.

Manual Underwriting

  • Submission Black Hole: Only 25-40% of submissions reviewed. Best risks lost to competitors.
  • 3-5 Day Quote Time: Brokers move on. First-to-quote advantage lost.
  • Leakage Crisis: Exclusions buried on page 47 of engineering reports are missed.

Generic LLMs

  • Regulatory Risk: No audit trail. Non-compliant with NAIC Model Bulletin & EU AI Act.
  • Hallucinations: Invents coverage terms when data is ambiguous. Catastrophic for E&O.
  • Security Gaps: Cloud-only. Data exfiltration risk. Not enterprise-deployable.
ByteAsk Engine

Insurance-Native AI

  • Citation Architecture: Every output links to source PDF, page, paragraph. Auditor-ready.
  • Appetite Reasoning: Understands exclusions, SIR/deductibles, construction class mappings.
  • VPC / On-Prem: Deploy in your AWS tenant. Data never leaves your perimeter.
See ByteAsk in Action

From Submission to Decision in 132 Seconds

Watch how ByteAsk processes submissions in real-time with full risk analysis, premium calculation, and compliance verification—complete audit trail included.

132.1s Analysis

Complete submission processing with 10/10 compliance steps

96% Confidence

High-accuracy risk scoring with citation-backed reasoning

100% SOP Compliant

Every decision mapped to regulatory guidelines

Complete Workflow

From Submission to Bound Policy

See how ByteAsk transforms the entire underwriting lifecycle—from initial document intake through risk assessment, pricing, and final policy binding.

Stage 1

Submission Intake

Broker emails, ACORD forms, loss runs, SOVs ingested

~ 10 seconds
Stage 2

OCR & Extraction

Layout-aware OCR extracts structured data

~ 20 seconds
Stage 3

Risk Assessment

Cross-reference appetite, check exclusions

~ 30 seconds
Stage 4

Citation & Audit

Link every decision to source documents

~ 15 seconds
Stage 5

Pricing Engine

Calculate premium with modifiers & surcharges

~ 10 seconds
Stage 6

Quote Ready

Structured output to PAS, ready for binding

Total: ~90 seconds

Parallel Processing

All documents processed simultaneously. 200-page submissions analyzed in parallel for maximum speed.

Audit Trail

Every data point traced to source document, page number, and paragraph for regulatory compliance.

Real-Time Updates

Underwriters see progress in real-time. Can intervene at any stage for exception handling.

Compliance-First Design

Built for Regulatory Scrutiny

CROs and Compliance Officers demand explainability. We deliver citation-backed decisions that meet NAIC Model Bulletin, EU AI Act, and GDPR requirements out of the box.

SOC 2 Type II
ISO 27001
GDPR & HIPAA
NAIC Compliant
Zero Data Retention
Private VPC / On-Prem

Explainability by Design: Every decision includes source document, page number, and extracted text. Auditors can trace any recommendation back to original submission data.

SOC 2 Type II
In Progress (Q2 2025)
ISO 27001
Certified 2025
NAIC Model Bulletin
Compliant Architecture
On-Premise Ready
Air-Gapped Available

Quantifiable Business Impact

We don't sell "AI transformation." We deliver measurable improvements to your loss ratio, combined ratio, and top-line growth. Here's what our pilot partners achieve:

90%
More Coverage

Process 90% of your submission inbox vs. today's 25-40%. Stop losing in-appetite business to the "Black Hole."

Scenario: MGA receiving 200 submissions/week. Currently quotes 60 (30%). With ByteAsk: quotes 180 (90%). 3x revenue pipeline.
5%
Leakage Reduction

Catch exclusions, prior losses, and construction class mismatches that human underwriters miss in 200-page submissions.

Industry Context: Auto insurance alone has $29B annual premium leakage. A 5% reduction = $1.45B saved (Verisk, 2024).
85%
Time Saved

Underwriters spend 40% of their time on data entry and document review. Reclaim that capacity for high-value risk assessment.

Cost Reduction: 20 underwriters @ $120K avg. salary. 40% time saved = $960K annual labor cost recovered.

Retrospective Audit Pilot

We prove value before integration. Send us 50 past submissions. We'll process them overnight and benchmark our results against your underwriters' decisions.

1
Provide Historical Data
50 closed submissions with underwriter decisions
2
Overnight Processing
Our engine triages all 50 submissions in parallel
3
Benchmark Report
Side-by-side comparison: AI vs. Human decisions with ROI projection
Typical Pilot Timeline:
7 Days
From data submission to executive readout

Why MGAs Choose ByteAsk First

  • Speed is Revenue: MGAs compete on quote speed. 90-second triage wins deals.
  • Capacity Constrained: Faster growth than underwriter hiring. ByteAsk scales instantly.
  • Tech Forward: Modern API stacks. Easier integration than Tier-1 carriers.

Stop Guessing.
Start Measuring.

Join the MGAs and specialty carriers processing 10,000+ submissions per week with ByteAsk. Prove ROI in 7 days.

Zero Integration Required for Pilot. We process your historical submissions and deliver a benchmark report in 7 days. No PAS connection, no IT lift, no risk.