AI operations that supercharge productivity at insurance firms.
We help insurance carriers, brokerages, and MGAs close more business and settle claims faster by deploying custom AI agents that handle the manual work killing your combined ratio.
Our team has built AI systems at
What We Fix
We automate the policy and claim lifecycle end to end
We work inside your existing policy admin system, claims platform, and email. No rip-and-replace. No migration. Most insurtech promises integration and delivers a portal with another login — we close the loop where the work actually happens.
Submission Triage
AI reads every submission — ACORDs, loss runs, broker emails — and routes it to the right underwriter with risk summary, missing data flags, and appetite fit score attached. Before your underwriter opens their inbox.
67% of submissions declined without quote
Underwriting Data Extraction
Pulls structured data from loss runs, SOVs, financials, and inspection reports — normalized and populated into your policy admin system automatically. Underwriters spend time pricing, not typing.
11 hrs/wk lost to manual data entry per underwriter
First Notice of Loss
AI takes the call or email, captures structured claim data, checks coverage, opens the file, and assigns the right adjuster — 24/7, in under two minutes. Claimants get confirmation immediately.
30% of customer churn traced to poor FNOL
Claims Processing & Subrogation
Reviews estimates, flags anomalies, cross-references policy language, and drafts adjuster narratives. Auto-identifies subrogation potential from claim notes — recovering money that usually disappears.
$15B/yr in missed subrogation opportunities
Policy Renewals & Remarketing
90 days before renewal, AI pulls updated exposures, shops the book where needed, and drafts renewal packages. Your producers keep business that would otherwise walk — whether they remember to check or not.
12% avg. brokerage book attrition annually
Compliance & Regulatory Filings
State filings prepped automatically. License renewals tracked. Market conduct exam responses drafted from your own system of record. Your compliance team manages exceptions — not spreadsheets.
$2M+ avg. cost of a major state exam finding
The daily reality at most insurance companies
60%
of underwriter time spent on admin, not pricing risk
$170B
lost annually to claims leakage in P&C alone
45%
of submissions sit untouched past broker deadline
$28K
avg. cost to acquire a commercial policy
Today
Submission comes in at 4:47 PM. Underwriter manually rekeys ACORD data, chases the broker for missing loss runs, and doesn't quote for four days. Broker already placed it elsewhere.
With Kinematic
AI extracts every field from the ACORD, loss runs, and SOV — flags missing exposures and emails the broker automatically. Your underwriter opens a clean, scored file at 8 AM.
Today
Claimant calls on a Saturday. Answering service takes a message. Adjuster calls back Monday afternoon. The policyholder has already posted on social media.
With Kinematic
AI takes the FNOL call in natural conversation, captures structured facts of loss, checks coverage, opens the file, and emails confirmation — all before the claimant hangs up.
Today
Renewal hits the producer's queue 14 days out. No time to remarket. Client renews flat — or leaves for a competitor who started working on it 90 days ago.
With Kinematic
AI flags every renewal 90 days out, pulls updated exposures, drafts remarketing requests to your carrier panel, and hands the producer a ready-to-close package.
Today
Adjuster closes a water damage claim. Nobody runs subrogation analysis. $47,000 in recoverable money walks out the door. Multiply by thousands of claims per year.
With Kinematic
AI reads every closed claim, flags subrogation potential from damage patterns, third-party liability, and claim notes — routes high-value files to your recovery team automatically.
These aren't hypotheticals. They're the problems we fix every day.
We integrate with any ATS and business software
From first call to measurable results in weeks, not months
Most insurtech initiatives take 18 months and a committee. Ours start paying for themselves in the first sprint.
AI Action Plan
Week 1FreeDeliverable
A detailed report on where your underwriters, adjusters, and producers lose hours
Prioritized Roadmap
Week 2Deliverable
A detailed AI execution plan with milestone-based pricing tied to combined ratio impact
Build & Integrate
Weeks 3–6Deliverable
Working AI agents running inside your policy admin and claims systems
Measure & Expand
OngoingDeliverable
Monthly ROI reports with combined ratio attribution and expense ratio impact
Example Engagement
Regional E&S carrier — $340M GWP, 80 underwriters across three offices
Diagnosed
- Underwriters spending 14+ hours/week rekeying ACORD data, loss runs, and SOVs into PolicyCenter — quoting only 33% of submissions before the broker deadline
- Claims team missing subrogation opportunities on closed files — internal audit estimated $4.2M/year walking out the door
- Renewal retention at 71%, with producers pulling files 14–21 days out and running out of time to remarket — losing accounts to incumbents who started 90 days earlier
Scoped
- Submission triage agent: 5 weeks, $70,000 fixed price
- Subrogation detection agent: 4 weeks, $55,000 fixed price
- Renewal automation agent: 4 weeks, $60,000 fixed price
Built
- Ingests broker emails, ACORDs, loss runs, SOVs, and financials — extracts and normalizes every field
- Scores appetite fit against underwriting guidelines per line of business and state
- Flags missing exposures and auto-emails the broker for additional data with a branded template
- Populates PolicyCenter with clean, structured data before the underwriter opens the file
- Reads every closed claim file — notes, estimates, photos, police reports — within 24 hours of closure
- Flags subrogation potential from third-party liability, product defects, and construction defects
- Drafts demand letters with supporting evidence and routes high-value files to the recovery team
- Backfills historical analysis on claims closed in the prior 18 months — found $2.8M in still-recoverable money
- Flags every renewal at 90/60/30 days with updated exposure analysis and market conditions
- Drafts remarketing submissions to the appropriate carriers on the panel based on appetite and prior relationships
- Assembles renewal packets with coverage comparison and preps the producer for the conversation
- Replaces 6 hours/week of producer admin with a daily review queue
Result
Total investment recouped within six weeks.
We take on 2–3 new engagements per month.
Or email us directly at hello@kinematiclabs.dev
Frequently asked questions
For everyone
We work across every line and channel
Commercial P&C
Your underwriters rekey ACORDs while submissions age out.
Wholesale & MGA
You live or die on submission turnaround. Cut it from days to hours.
Personal Lines
Quote volume is killing your service team. Automate the triage.
Life & Health
Underwriting accelerated. Case management automated. Compliance documented.
Workers' Compensation
FNOL response times cost you policyholders. Fix the 24-hour lag.
Your Industry
Don't see your vertical? We work with any operation where manual processes are the bottleneck.
Let's talkStop losing premium to work that should run itself.
Your AI Action Plan is a free, 10-minute diagnostic that shows you exactly where your operation is leaking quote volume, cycle time, and combined ratio — and what to do about it.
No commitment. No sales pitch. Just a clear picture of what's possible.