Quote the day the submission arrives.
Klarefi is the AI intake agent for insurers and MGAs. It reads what the broker or customer sends, asks for what is missing and hands your underwriter or claims handler a cited file.
Which insurance underwriting software completes the submission?
Klarefi does the intake step that comes before underwriting. It reads the broker's email, the proposal form, the statement of values and the loss runs, asks the broker or customer for anything missing and links every fact to its source. Your underwriter gets a complete, cited file and makes the decision in the systems you already use. For rating, policy administration or a full underwriting workbench you still need those tools, and Klarefi hands them the finished file.
Built for each line of insurance.
Each team sets its own form, facts and checks per line of business. These are the files Klarefi completes most often.
MGAs and broker submissions
The statement of values is read row by row and the loss runs are checked against the years you require, before the underwriter sees the submission.
Klarefi for MGAsWhat Klarefi reads and cites
- Broker email
- Statement of values
- Loss runs
- ACORD forms or proposal
Commercial lines
The company on the proposal is checked against the company register, and a trading name that does not match is cited for the underwriter.
Statement of values checkWhat Klarefi reads and cites
- Proposal form
- Schedules
- Risk survey
- Company details
Consumer lines
A missing proof of address is asked for while the customer is still on your form, not by letter a week later.
What Klarefi reads and cites
- Application answers
- ID
- Proof of address
- Photos
Legal expenses insurance
The policy start date and the date the dispute began are both cited, so the handler sees a cover question at once.
What Klarefi reads and cites
- Policy details
- The customer's account of the dispute
- Correspondence
- Contracts
Claims intake
The invoice total and the amount claimed are compared, and a difference is shown with both sources.
Claims intake software comparedWhat Klarefi reads and cites
- Claim form
- Photos
- Invoices and quotes
- Police or incident report
How Klarefi completes a submission.
Your own form
Import the proposal or claim form you use today. Klarefi answers each submission with it and fills in what the email already said.
Every fact cited
Klarefi reads each document as it arrives and links every fact to the line it came from. A fact it cannot find is marked missing, never guessed.
Your checks run
Checks you write per line of business run against the facts, the company register, sanctions lists and your own systems.
Your team decides
Klarefi drafts the quote or the claim summary. Your underwriter or handler reads the file and makes the call.
Your underwriters decide.
Security and data processingEvery document fact is cited
Each fact read from a document keeps its source, from the submission to the quote.
A person decides
Klarefi prepares the file. Your underwriter or handler accepts, quotes or declines.
A full audit trail
Every question, check and decision is logged where nobody can edit it.
Your cloud or ours
Use the hosted service with data stored in the EU, or run Klarefi inside your own cloud.