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INSURANCE

Run claims, underwriting and servicing with AI agents

Build and deploy agents for evidence gathering, policy checks and exception handling across claims, underwriting and servicing. The AI Control Plane governs how they operate.

Runs where you already run
Oracle Cloud InfrastructureMicrosoft AzureAmazon Web ServicesKubernetesGoogle CloudRed Hat OpenShiftOracle Cloud InfrastructureMicrosoft AzureAmazon Web ServicesKubernetesGoogle CloudRed Hat OpenShiftOracle Cloud InfrastructureMicrosoft AzureAmazon Web ServicesKubernetesGoogle CloudRed Hat OpenShiftOracle Cloud InfrastructureMicrosoft AzureAmazon Web ServicesKubernetesGoogle CloudRed Hat OpenShift


INSURANCE AGENTS

Agents for specific insurance workflows

moring engineers work with the team that owns the workflow, connect the required systems, define what the agents complete and establish where review is required. They test and deploy the agents with your team.

Claims intake and evidence agentClaims operations

How it works

When a claim file arrives incomplete, the agent gathers the approved evidence, checks it against the policy schedule, flags what is missing and prepares a cited evidence pack. It cannot accept or deny coverage, issue payment or set a reserve. An authorized claims professional decides.

What to measure

  • Time to a complete file
  • Repeat document requests
  • Files reaching the adjuster incomplete
Who it fits
Personal and commercial P&C carriers, MGAs and third-party administrators.
Underwriting submission agentUnderwriting

How it works

When a broker submission arrives, the agent structures the risk, checks it against underwriting guidelines and appetite rules, identifies missing exposure data and cites the applicable rule. It cannot quote, bind or decline the risk. An underwriter decides.

What to measure

  • Submission turnaround
  • Manual data entry per submission
  • Consistency of appetite checks
Who it fits
Commercial and specialty carriers, MGAs and program administrators.
Policy servicing agentPolicy administration

How it works

When a customer requests a policy change, the agent validates it against the policy and servicing rules, prepares the endorsement and sets out the impact. It routes anything outside the rule set to a named reviewer. An authorized employee approves customer-impacting changes.

What to measure

  • Servicing turnaround
  • Rework on endorsements
  • Errors reaching the customer
Who it fits
Personal lines and small commercial carriers, MGAs and program administrators.
Broker request agentDistribution

How it works

When a broker question arrives, the agent identifies the request, retrieves the account and policy records and drafts a response with every source attached. It cannot give coverage advice, negotiate terms or commit the carrier. An authorized employee handles advice, commitments and exceptions.

What to measure

  • Broker response time
  • Escalations to underwriting
  • Consistency of answers
Who it fits
Carriers and MGAs with broker distribution.
Fraud investigation support agentSpecial investigations

How it works

When a claim trips an indicator, the agent assembles the approved case file, links related claims and parties, constructs the timeline and highlights unresolved questions with every source cited. It cannot deny a claim, determine fraud or file a referral. An SIU investigator decides.

What to measure

  • Time per investigation
  • Referral backlog
  • Repeated data pulls
Who it fits
P&C carriers with an SIU function, TPAs and fraud bureaus.
HOW ACTIONS ARE RECORDED

Know what every insurance agent did

See which agent acted, what it used, which rules applied and who reviewed the result.

A named owner for every agentEach agent is registered to a use case, an owner and a risk level before it runs.
Allowed and blocked, by policyPermissions cover only what the workflow needs, and end when the owner, workflow or risk level changes.
Evidence your reviewers can followThe record keeps the sources used, the rules and permissions applied, the actions taken and the person who approved the result.
Agent identity

One agent's record

Each agent is linked to a use case, an owner and a risk level. Policy determines whether each action is allowed.

agentclaims-evidence-01
use caseClaims intake and evidence
ownerHead of Claims Operations
risk levelElevated
may accessPolicy, claims and document systems
may notAccept or deny coverage, pay, reserve

Illustrative record.

THE PLATFORM

One control layer for every insurance agent

Claims, underwriting and servicing agents use different systems and handoffs. The AI Control Plane controls their access, actions and approvals, and records what happened.

moring AI Control Plane  ·  insurance agentsIllustrative
Agentic solutions
Future insurance workflow agents
Selected agent
moring AI Control Plane
Agent registrationRisk classificationIdentity + accessApproved tools + dataPolicy enforcementHuman approvalsMonitoringEvidence + audit trail
Your environmentSystems this agent may reach
Your cloudIdentity providerData platformsPolicy admin + claims systemsDocument and imaging storesRating and appetite rulesCase managementApproved models
Business owner
Risk tier
Data access
Agent boundary
Human decision
Evidence

The control plane governs how agents use your existing systems. It does not replace your identity, your data, your cloud or your applications.

WHERE IT RUNS

Your cloud or infrastructure

Deploy on AWS with Amazon Bedrock, or on Azure, Google Cloud, OCI, OpenShift or Kubernetes where those platforms are standard.

AWSAzureGoogle CloudOCIOpenShiftKubernetes

Policy administration, claims and document systems stay where they are. The platform uses the identity, encryption and audit controls already in place.

Insurance workflows in production

Run insurance agents across real workflows

Book an insurance workflow workshop
What the session produces
Workflow and accountable owner
Required systems and evidence
Actions and approval points
Plan for testing and launching governed agents
QUESTIONS ABOUT INSURANCE AGENTS

What insurance teams need to know

How the agents work, where they run and what the AI Control Plane governs.

What insurance workflows can AI agents handle?

Insurance agents can support claims intake and evidence, underwriting submissions, policy servicing, broker requests and fraud investigation support. Each agent is designed for a defined workflow, owner and operating boundary.

Can insurance agents run in our environment?

Yes. moring can deploy them in your approved cloud or infrastructure and connect them to the policy, claims, document and case-management systems required for the workflow.

Which actions can an insurance agent complete automatically?

The agent can complete actions allowed by its permissions and policy. Other actions pause until an authorized person approves them.

When does an agent require human review?

Review can be required for exceptions, consequential actions or decisions outside the agent's authority. Routine work can continue when it remains inside the approved boundary.

What does the AI Control Plane record?

It records which agent acted, which information and tools it used, which policy applied, what action it took and who approved the result.

Who builds and deploys the insurance agents?

moring engineers work with the claims, underwriting or servicing team that owns the workflow. They define the work, connect the required systems, test the agents and deploy them with the controls required for production.