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The intelligence layer for the whole quote file.
Submissions arrive as attachments and get assembled by hand. iO does the assembly (reading the file, verifying it against outside sources, rating it, and flagging what is missing) then hands a complete, sourced quote to a named underwriter, who decides. Nothing in your renewal path changes to try it.
Introducing iO.
v1.0
Production release · August 3rd, 2026
A submission arrives as six attachments and a hope.
A commercial application that may or may not be complete, a loss run, a statement of values in someone's own column order, and an email with the part that actually matters buried in it. Before anyone can underwrite, a person has to assemble it.
The same data, typed three times
Into the rater, into your core, and into the reply back to the broker, and every retype is a chance to send a carrier the wrong number.
Chasing what's missing
The year built, the broker of record, the Classification nobody is sure about, found by hand, one lookup at a time, days after the file arrived.
The underwriter waiting on assembly
Your most expensive person spends the first hour of a file doing clerical work, and the broker reads the delay as an answer.
None of that is an underwriting problem. It's an assembly problem, and it is the part iO takes. Want the number for your own shop first? Our re-keying cost calculator uses your inputs, not our averages. If you're a growing MGA carrying more submissions than staff, here's who we build for, and who we don't.
We removed the middleware. Not the decision.
The back-office work you send out comes back re-keyed, delayed, and disconnected from your system of record. iO does that work in-house, and a person still decides.
Before, human middleware
Work leaves the building.
- Re-keying between portal, rater and record
- Hand-offs and dropped status between teams
- Third-party intake and outsourced processing
After, iO on the core
Work stays on your core.
- Prepared in-house, so nothing is re-keyed
- Human-approved before it rates or binds
- One record, one status everyone reads
Middleware here means the manual data-moving work, not oversight. The underwriter's decision stays in place and is required for anything that rates or binds.
Six things it does, in one conversation.
Everything below is from the live system, not a roadmap. Ask for the guided walkthrough and we will run a submission through it with you.
Converses
Full quote-and-submit in chat or voice. Model-agnostic underneath, the provider in use is named in your provider inventory, and it can be switched.
Reads
Parses a complete submission package at once, and reports which field every value came from.
Verifies
Business entity, ownership, broker of record, Classifications, property intelligence, checked, not assumed.
Rates
Program options and premiums returned in the conversation; official quote numbers created in your Core.
Flags
Missing or misplaced data gets surfaced and asked about. Never invented.
Routes
Every quote goes to a named underwriter. iO prepares; a person approves.
- Reading Commercial Insurance Application, Statement of Values, Loss runs3 documents, one pass
- Insured name, address, contactCommercial Insurance Application · lines 1–9
- Broker of recordverified, not assumed
- Property & hazard intelligenceattached to both locations
- Classification suggested2 alternates, each reasoned
- Year built, location 2not in the file · asked, not invented
- Program options and premiumsreturned in the conversation
- Official quote number createdin your Core system
- Routed to a named underwriterawaiting their approval
One agent. One conversation. One governed file in your Core.
Three named assists, one system of record.
Separate jobs, deliberately. Each assist does one thing well, and all three answer to the same Core.
Lina · Intake
The readerParses complete commercial applications, statements of values and loss runs in one pass, any format, any column order. Every field is extracted with its provenance: which document, which line. Confidence notes travel with each file, separating what is certain from what is inferred, and clean structured data lands in your Core with no re-keying.
Yasha · Knowledge
The brainMarket, product and appetite intelligence across everything the layer touches, answering eligibility questions before a submission wastes anyone's time. A supervised workspace for operators, with a person approving multi-step work. How our AI is governed →
iO · Execution
The doerFull quote-and-submit in conversation, typed or spoken. It verifies as it works (business entity, broker of record, Classifications, property intelligence) rates against your Core, creates official quote numbers there, and routes every quote to a named underwriter. It prepares; it never decides.
Every agent reads from it, writes to it, and is audited by it. New assists plug into the same fabric, the workforce grows, and the Core never gets rebuilt.
The iO Process
The file is worked before a person opens it. Where the dashed line falls is where the machine stops and the underwriter takes over.
Ingestion
Commercial Insurance Application, Statement of Values, Loss runs.
Clearance
Business name, address, broker of record, verified.
Pre-Underwriting
Eligibility and risk signals assembled.
Statement of Values Intake
Parsed and pushed into your Core.
Quoting
Priced via API against your Core system.
Consideration
Final review, a person’s call.
Quote Shipped
Sent on command, logged to your Core and audit platforms.
A person approves anything that touches rating or binding.
Our AI speeds intake and classification. It does not rate, bind, or file on its own, and every suggestion is logged, so your carrier's reviewer can see exactly how it works. iO runs through this same checkpoint: it prepares the whole quote file, and a named underwriter approves anything that touches rating or binding.
Intake
The AI reads the submission and extracts what matters.
Triage
A Classification proposed with ranked alternates, reasoned, and logged.
Human approves
Your underwriter decides. Nothing proceeds without them.
Record
The full trail (suggestion, decision, outcome) kept for audit.
Written for the regulatory environment your carriers are watching: documented AI use, human-in-the-loop controls, reviewable logs, aligned with the NAIC model bulletin on AI use, adopted by 24 states and the District of Columbia as of July 2026.
Reviewing this on a carrier's behalf, or about to be asked to? The carrier brief puts the control model, the authority boundaries and the data terms on one forwardable page.
Where iO fits in the rest of the work.
Governed AI
The checkpoint iO runs through, the provider inventory, and the AI-use policy that ships with every engagement.
How our AI is governed →Submission-to-issuance workflow
The tracked flow iO feeds, one path from submission to issued policy, with no re-keying between systems.
See the workflow build →AI underwriting guardrails
What to require of any AI touching underwriting, the questions to ask before you let one near a rating engine.
Read the guardrails guide →iO arrives through the same phased path as everything else we build, one scoped step at a time. See the full methodology.
See iO work a real file.
Bring one submission the way it actually arrives, messy attachments included. We will walk it through iO with you, and you will see exactly where your underwriter takes over.
Real screens, your submission, no obligation, and the one-page map is yours either way.
iO runs alongside your current process. It reads and prepares; it does not touch renewals, and a person still approves anything that rates or binds.