Phinite for Insurance

AI agents for insurance

Your loss file gets read twice. Once by the adjuster, and once by whoever challenges the outcome. Phinite makes both readings the same file, with every agent step and every human approval sitting inside it.

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Challenges

Four pressures sitting on your combined ratio

Severity, cycle time, and capacity all land in the same number. Phinite puts agents on the file work without moving a single decision off a person.

Severity climbs faster than rate

Every point of leakage lands in the same number, and it lands late, long after the handling choice that caused it. Phinite agents gather documents, chase third parties, and keep the file moving, so the time an adjuster spends goes into judgment rather than assembly.

A slow file costs more than a fast one

Cycle time drives both indemnity and the way your policyholder rates you, and the wait is rarely caused by the decision itself. Phinite agents open the file with the facts already in it, verify cover in force, and move a straightforward loss to a payment step a person approves.

More submissions arrive than your team can read

When capacity runs out you decline by not answering, and the broker learns to send the next one elsewhere. Phinite agents read the submission and its attachments, clear it against your book, and hand an underwriter a file that is ready to price.

Regulators and reinsurers ask how you got there

The question is no longer only what the outcome was, but how it was reached and who approved it. Phinite records what the agent read, which check ran, what the wording allowed, and who released the payment, so the file that defends the outcome is the file that produced it.

Severity climbs faster than rate

A slow file costs more than a fast one

More submissions arrive than your team can read

Regulators and reinsurers ask how you got there

What are AI agents for insurance?

`Phinite is an agentic AI platform used by property and casualty insurers, MGAs, and brokers to run submission intake, underwriting support, claims handling, and policy servicing as governed agent systems, with coverage and payment decisions routed to a named person and every step evidenced.`

Functions

Six points on a file where agents already do the work

Phinite runs submission intake, underwriting support, loss handling, and policy servicing under one set of controls.

Submission intake and clearance
Read the submission and its attachments, clear it against your book, and route it to the right underwriter.
Underwriting support
Pull exposure data, run appetite and referral checks, and prepare the file an underwriter prices.
First notice of loss
Capture the loss across channels, confirm cover in force, and open the file with the facts already in it.
Loss handling
Collect documents, chase third parties, and keep the file moving between the points that need an adjuster.
Policy servicing and endorsements
Process mid-term changes, cancellations, and renewals against the wording actually on risk.
Subrogation and recovery
Spot recovery potential early and build the demand package before the file closes.

Submission intake and clearance

Read the submission and its attachments, clear it against your book, and route it to the right underwriter.

Illustration for Order support and WISMO

Underwriting support

Pull exposure data, run appetite and referral checks, and prepare the file an underwriter prices.

Illustration for Returns, refunds, and exchanges

First notice of loss

Capture the loss across channels, confirm cover in force, and open the file with the facts already in it.

Illustration for Conversational shopping and discovery

Loss handling

Collect documents, chase third parties, and keep the file moving between the points that need an adjuster.

Illustration for Cart recovery and lifecycle messaging

Policy servicing and endorsements

Process mid-term changes, cancellations, and renewals against the wording actually on risk.

Illustration for Catalog and content operations

Subrogation and recovery

Spot recovery potential early and build the demand package before the file closes.

Illustration for Fraud, chargebacks, and fulfillment exceptions

Enterprise platform

Built for secure, enterprise AI at scale

Deploy AI agents with enterprise-grade security, governance, observability, and infrastructure designed for production from day one.

Multi-Tenant Workspace Isolation

Every organization operates in its own isolated workspace with dedicated knowledge, permissions, and execution environments.

Enterprise Deployment

Deploy across development, staging, and production environments with controlled releases and predictable scaling.

Governance & Auditability

Track every agent action with role-based access, approval workflows, and comprehensive audit logs.

Observability & Guardrails

Monitor agent performance in real time while enforcing security policies, human oversight, and operational guardrails.

Usecases

Three file types to move first

Start where volume is high and the process is settled, and leave the coverage call exactly where it is.

Submission to Quote-Ready

Loss Notice to First Payment

Complex File Assembly

Submission to quote-ready

Take a broker submission through extraction, clearance, and appetite checks, and hand an underwriter a file ready to price.

Extraction and Clearance

Appetite Checks

Ready to Price

Loss notice to first payment

Move a straightforward loss from notice through verification to a payment step a person approves.

Cover in Force

Verification

Adjuster-Approved Payment

Complex file assembly

Pull documents, history, and correspondence into one file, and refer anything that looks fraudulent to your investigators.

Documents and History

One File

SIU Referral

Deployment path

How to deploy AI agents for insurance

Start with one line and one file type, then extend the same governed pattern across underwriting, claims, and servicing.

Select one line

Start with a single line and a single file type where volume is high and the process is settled.

Wire policy and claims

Draw the file's path in Agent Graph Studio, then attach your policy admin, claims system, and document store as typed tools.

Rerun closed files

Put the agent in Evaluation over files you have already settled, and compare its handling to the outcome your team recorded.

Ship with authority limits

Go live with coverage and payment steps held behind the people who hold authority, then extend to the next line.

Integrations

Connect your insurance technology stack

Policy administration, claims, rating, document management, and broker portals connect as typed tools. Anything an agent writes back to a policy or a loss passes approval before it lands.