AI agents for independent P&C agencies

Your team quotes the risk once. Synthellect does the other four times.

Account managers re-key the same submission into the rater, then into every carrier portal, then back into the AMS. Synthellect runs those keystrokes as software — inside Epic, EZLynx, AMS360 and the carrier sites you already use. No migration. Nothing leaves the agency without a person approving it.

Shadow mode for the first two weeks · Read-only until you say otherwise

submission · 2026-1104-CA · commercial auto · 14 power units
Intake — captured once32/32
named_insuredHarlowe Freight LLC
fein47-••••931
garaging_zip63121
power_units14
drivers17
radius_of_ops0–500 mi
csl_limit$1,000,000
loss_runs5 yr · 3 claims
x_date12/01/2026
acord_forms125 · 127 · 137
Northbridge Mutual agent portal Ready to bind
41 / 41 fields2 min 10 s
Atlas Specialty agent portal Ready to bind
38 / 38 fields1 min 48 s
Vantage P&C agent portal Needs you
37 / 44 fieldsAppetite: radius over 300 mi
Cordell Casualty agent portal Ready to bind
36 / 36 fields2 min 31 s
46%
of independent agencies reported using AI in 2026, up from 15% in 2024 — but mostly for marketing copy, not operations.
Big "I" / Future One Agency Universe Study, 2026
37,000
independent agencies left in the US, and falling. The ones that stay are absorbing more accounts per head.
Big "I" / Future One Agency Universe Study, 2026
3–5×
times the same risk gets typed before a commercial policy binds: rater, each carrier portal, then the AMS.
Our estimate, not yet measured
The problem

Three places where an agency's week disappears.

None of this is strategy work. All of it is in the job description of someone you pay $62,000 a year and cannot replace in under four months.

Pain 01 · Quoting

The rater is a first pass. Binding still happens on the carrier's site.

Your AM enters the risk in EZLynx or PL Rating, gets indications back, then opens three or four carrier portals and types the same named insured, the same drivers, the same vehicle schedule, the same loss history again — each site with its own field names, its own required attachments, its own session timeout. Half the time a carrier kicks it back for something that was knowable at field one.

14 power units × 4 carriers ≈ 72 minutes of typing per submission
raterRisk entered — 3 indicationsdone
portal 1Re-keyed, 41 fieldsdone
portal 2Re-keyed, 38 fieldsdone
portal 3Declined — outside appetitewasted
amsActivity note — not yet writtenpending
Pain 02 · Renewals

Renewal files go incomplete until they go late.

Ninety days out, nobody knows which files are actually ready. The updated loss runs never came back. The statement of values is two years stale. The driver list has a terminated employee on it. The work of finding that out is a person opening files one at a time, and it only surfaces when the X-date is close enough to hurt — which is when you have the least leverage with the carrier and the worst conversation with the insured.

Remarketing a file at 14 days out instead of 90 is where retention gets lost
Renewal file · 12/01 x-date
dec pageExpiring policy on fileok
loss runsLast pulled 14 months agostale
drivers2 MVRs over 36 months oldchase
schedule3 units added, not reportedchase
signed appNot returnedblocked
Pain 03 · Service

Service requests live in an inbox, not in a system.

A certificate request, an auto ID card, a mortgagee change, an added additional insured, a vehicle swap. Individually trivial, collectively the largest line item on your service team's day — and almost none of it is tracked anywhere until a human opens the email, decides what it is, does it, and then remembers to write an activity back to the AMS. When someone is out, the queue is invisible.

A 20-person agency runs 400–900 of these a month with no queue, no SLA, no audit trail
Shared inbox · this morning
09:02COI — new cert holder, GC jobunread
09:14Add driver — starts Mondayunread
09:31Auto ID cards — replacementunread
09:48Mortgagee change — refi closing3rd follow-up
+ 23More in the queueunread
Products

Three agents. One for each.

Each one runs a defined workflow end to end and stops at the point where judgment or a signature is required. Buy one. Most agencies start with Desk because it pays back fastest.

Synthellect Submit

multi-carrier application agent

Takes the risk once — from your rater, an ACORD, an email thread, or a broker's submission — and fills every carrier portal you market it to. It checks appetite before it spends the entry, so a decline shows up in ten seconds instead of forty minutes.

  • One intake, every portal. Field mapping maintained per carrier, per line, including the ACORD supplements each one actually wants.
  • Appetite screening up front. Radius, class code, loss ratio, units, state — flagged against each carrier's current guide before entry starts.
  • Stops before submit. Your producer reviews the filled application in each portal and presses the button. Synthellect never binds.
Submit · appetite pass
class 7219Long-haul truckingin
radius0–500 mi vs. 300 mi maxflag
loss ratio38% trailing 3 yrin
mvr1 driver, 2 violationsflag
result3 of 4 carriers worth enteringgo

Synthellect Renew

renewal readiness agent

Opens every renewal at 120 days instead of 30. Builds the file, names what's missing, chases it, and tells your account manager what changed on the risk since last term — before the carrier tells you.

  • A readiness score per file. Loss runs, MVRs, SOV, signed apps, exposure schedules — scored against what that carrier and that line require.
  • It does the chasing. Loss run requests to the carrier, document requests to the insured, drafted in your agency's voice and sent after review.
  • Expiring vs. renewal diff. Every change in limits, forms, endorsements and premium, side by side, so the conversation with the insured is a two-minute one.
Renew · book view, 90–120 days out
ready41 files — nothing to do82%
chasing7 files — requests sent, awaiting14%
blocked2 files — need an AM4%
diffs5 files with exposure changesreview
at risk1 file — premium up 31%call

Synthellect Desk

service request agent

Reads the shared service inbox, works out what each message actually is, does the work, and writes the activity back to the AMS. The queue your service team never had, running itself.

  • Certificates and ID cards, issued. ACORD 25s and 28s against the right policy, with holder language checked against the contract when one is attached.
  • Endorsements prepared. Driver adds, vehicle swaps, address and mortgagee changes staged in the carrier portal for a one-click approval.
  • The AMS actually gets updated. Every action writes a suspense or activity note with a timestamp and the name of whoever approved it.
Open the live Desk console

A morning's certificate requests, running end to end on a synthetic book

Desk · queue, live
coiHarlowe Freight — new holderissued
id cardsPell & Sons — 4 unitsissued
endorseDriver add — staged in portalapprove
mortgageeRefi — needs loan numberask insured
unclear"Can you look at this?" + PDFto human

Underneath all three: one record of the account.

The agents are the visible part. The thing that makes them work is a single reconciled view of each client — pulled from the AMS, Ivans downloads, carrier portals, documents and email — so three agents are never working from three different versions of the vehicle schedule. It is read-only by default, and it is yours: you can export it the day you leave.

→Applied Epic · AMS360 · EZLynx · HawkSoft
→Ivans downloads · ACORD forms · dec pages
→Carrier portals · loss runs · endorsements
▣Account record — reconciled, versioned, exportable
How it works

Four weeks from first call to a workflow running.

There is no data migration and no new system for your team to learn. The sequence matters: we watch before we act, and you turn it on one workflow at a time.

01

Connect

Read-only access to the AMS, the service inbox and your carrier portal credentials, vaulted and scoped per user. Nothing is written anywhere.

Day 1–2
02

Shadow

The agent does the work alongside your team without sending anything. You compare its output to theirs and tell us where it's wrong.

Week 1–2
03

Turn on one

Pick the single workflow costing you the most — usually certificates or quote entry. It goes live with mandatory human approval on every action.

Week 3
04

Widen

Approval thresholds loosen on the request types you've seen it get right a hundred times. You decide which, and you can tighten them back in one click.

Week 4+
Time check

What re-keying costs your agency a year.

Move the sliders to your numbers. The defaults are a 20-person agency with a commercial-heavy book.

35
4
18
120
$38/hr
60%
Hours a year on re-keying and service2,800 hrs
$106,400
Annual cost today
1,680 hrs
Hours returned
0.9 FTE
Headcount equivalent
$63,840
Labor cost recovered
Modeled, not measured. The share figure is an assumption you control, not a result we have published. We'll put real numbers here once design partners have run a full renewal cycle.
Where it runs

Inside the systems you already pay for.

Synthellect is not a management system and will not ask you to leave yours. It reads and acts through the tools on your team's screens today.

Management systems

  • Applied Epic
  • Vertafore AMS360
  • EZLynx Management
  • HawkSoft
  • QQCatalyst
  • NowCerts

Raters

  • EZLynx Rating
  • PL Rating
  • TurboRater
  • Commercial submission tools

Carrier access

  • Built per agency, for your carriers
  • Personal and commercial lines
  • Ivans download reconciliation
  • Custom portals on request

Documents & mail

  • Microsoft 365 / Outlook
  • Google Workspace
  • ACORD form library
  • Loss runs, dec pages, SOVs

Portal coverage is built per agency during onboarding and maintained by us when a carrier changes its site. All product names are trademarks of their respective owners; listing them indicates interoperability, not partnership or endorsement.

Security & compliance

You are handing us nonpublic personal information. Here is how it is held.

Your E&O carrier and your largest commercial client will both ask these questions. Four of the answers below are commitments built into the product. Two are things we do not have yet, and we would rather you heard that here than found it in diligence.

SOC 2 Type II

We do not have one yet. The control set is designed, but no audit has started and we will not imply otherwise. We will open the Type II window before we touch production data for a paying agency, and we will complete your security questionnaire in the meantime.

Not started · planned before production data

Credentials stay scoped

Carrier portal logins are vaulted per user, encrypted at rest, never shown to our staff, and revocable by you in one click. We use your agency's own access, never a shared one.

By design · contractual

Every action is on the record

A complete audit trail of what the agent read, what it wrote, which carrier it touched and which named person approved it — exportable, and written back to the AMS as activity.

By design

A person approves, by name

Nothing reaches a client or a carrier without a licensed member of your staff approving it. Approval thresholds are set by you, per request type, and can be tightened at any time.

Human-in-the-loop by default

Your data is not training data

Agency and insured data is never used to train models, ours or a vendor's. Processing runs in US regions with zero-retention terms in place with every model provider we use.

By design · contractual

E&O and the Safeguards Rule

Not yet bound. We will carry technology E&O extended to the work our agents perform before any agency relies on us in production, and we will show you the certificate. Our NPI handling is designed to the GLBA Safeguards Rule.

Not yet bound · before production data
Pricing

Priced on work completed, not seats filled.

A seat licence charges you more as you hire. That is the opposite of the point. You pay for submissions entered and requests closed, and the whole agency gets logins.

Desk

$1,400/ month
For agencies drowning in certificates and endorsements. The fastest thing to turn on.
  • Synthellect Desk
  • 400 service requests a month
  • Unlimited user logins
  • One management system
  • Your core carrier portals
Start here

Agency

Most agencies
$3,900/ month
All three agents across personal and commercial lines, for a 15–60 person agency.
  • Submit, Renew and Desk
  • 400 carrier entries + 1,500 service requests a month
  • Your carrier portals, built out and maintained
  • SSO, role-based approval thresholds
  • Two-week shadow period, guided
  • Named onboarding lead
Book a walkthrough

Network

Custom
Multi-location agencies, clusters and aggregators, and PE-backed platforms integrating acquisitions.
  • Everything in Agency, unmetered
  • Multiple management systems in one tenant
  • Custom portal build-outs and appetite rules
  • API access and sandbox tenant
  • SOC 2 report, security review, uptime SLA
Talk to us

Indicative pricing. We are pre-launch, and design partner terms are agreed per agency. Annual agreements, billed monthly. Overage is $2.40 per carrier entry and $0.90 per service request — no tier jump, no renegotiation.
Design partners get the first six months at half rate in exchange for weekly feedback and a reference call once it is working.

Straight answers

The five things principals ask in the first ten minutes.

Is this replacing my management system?
No, and we would talk you out of it. Epic, AMS360, EZLynx and HawkSoft are your system of record and should stay that way. Synthellect is the labor between those systems — the part your AMS vendor has no reason to automate, because most of it happens on carrier websites they do not control.
So how is this different from what Applied and Vertafore are shipping?
They are automating inside their own four walls, which is real and worth having — document intelligence and intake inside Epic or AMS360 will save you time. What neither of them does is open your carrier's portal and type the application into it, because that portal belongs to a third party. That gap is where most of the hours actually sit. We expect to coexist with Epic Conductor and Velocity, not replace them.
Is this just offshore staff with an AI label on it?
No. The work is done by software, and you are billed per submission and per request rather than per hour or per full-time equivalent — which is a billing model an outsourcer cannot offer you. The portal mappings are built and maintained by our own engineers rather than an offshore keying team, and nobody at Synthellect can see your vaulted credentials. We are small and pre-launch, so you will be dealing directly with the people writing the code.
What happens when a carrier redesigns its portal?
It breaks, we detect it, and fixing it is our job and not yours — portal maintenance is included at every tier. The agent fails closed: if it cannot complete an entry with confidence, it hands the submission back to your AM with everything it did capture, rather than guessing at a field. Monitoring every portal we support is part of what you are paying for.
Who carries the risk if the agent gets something wrong?
Design matters more than indemnity here: a licensed member of your staff approves every outbound action, so nothing reaches a carrier or an insured unreviewed. Behind that, the full audit trail shows exactly what was entered, from what source, and who signed off. We will also carry technology E&O extended to our agents' work before you rely on us in production — we do not hold it yet, and we will show you the certificate when we do. We will sit on the call with your E&O carrier.
Design partner program

We are looking for eight design partners.

Thirty minutes, no deck. We map how a submission and a service request actually move through your agency, and you leave with that map whether or not you work with us. If we can't find at least ten hours a week, we will say so on the call.

  • Half rate for the first six months
  • Your carrier portals built out first, at no cost
  • Direct line to the people building it
  • Exit any month in the first year, data exported

Leave out policy numbers and client details. We store what you send here only to reply to it, and we will not add you to a mailing list.