Agentic Insurance Update: January 2026

At Counterpart, we believe modern insurance should work for you, not the other way around. That’s the promise behind Agentic Insurance™: a new operating system for underwriting, broker services, risk mitigation, and claims management that brings together intelligent automation and deep insurance expertise. This blog post looks back at what we built in 2025 and toward what we’re building toward in 2026.

From Manual to Embedded

2025 marked a major leap forward. Through eight consecutive AI Lab releases, we embedded intelligence into the submission workflow. We met brokers where they already work and removed friction from intake to quote to bind. Each tool was purpose-built to solve a specific inefficiency. Together, they created a foundation for smarter, faster, and more accurate submissions.

What We Built

Industry Assistant (March)

Classifying the right industry used to require digging through websites and NAICS codes. Now, the Industry Assistant:

• Auto-classifies based on company name, website, and address
• Returns clean business summaries and top NAICS suggestions
• Reduces misclassification errors that stall underwriting downstream

Financial Statement Extractor (April)

Extracting financials from PDFs was tedious, error-prone, and slowed down submissions. Now, the Financial Statement Extractor:

• Parses income statements, balance sheets, and cash flow documents
• Maps financials directly to digital application fields
• Speeds quoting on submissions by quickly formatting data

Application Extractor (May)

Manual rekeying of PDF applications was a major workflow drag. Now, the Application Extractor:

• Transforms existing applications into instant pre-fills
• Handles form variations, formatting, and field mismatches
• Turns email attachments into ready-to-quote submissions

Professional Service Assistant (June)

Misclassifying professional services led to delays and incorrect quoting. Now, the Professional Service Assistant:

• Suggests the most accurate professional service based on real-time inputs
• Improves eligibility and reduces reclassification
• Surfaces cleaner submissions that move faster through underwriting review

Loss Run Extractor (July)

Loss runs were hard to parse and required time-consuming manual review. Now, the Loss Run Extractor:

• Extracts claims, dates, reserves, and types from PDF loss runs
• Pre-fills loss history fields so brokers don’t have to rekey them
• Enhances internal workflows for faster decisioning

Submission Email Extractor (August)

Email submissions arrived unstructured, making intake slow and inconsistent. Now, the Submission Email Extractor:

• Reads submission emails and extracts quoting terms automatically
• Identifies limits, premiums, retention, and key coverage requests
• Powers faster internal underwriting without changing broker workflows

Digital Submission Overhaul (September)

Submitting business online often meant toggling between systems and tools. Now, with our reimagined digital app:

• Six embedded AI tools power the digital app
• Real-time extraction, classification, and validation from start to submit
• Designed for speed, accuracy, and reduced back-and-forth

Expiring Policy Extractor (October)

Renewal quotes required manually transcribing prior policy terms. Now, the Expiring Policy Extractor:

• Extracts expiring limits, pricing, sub-coverages, and terms
• Pre-fills renewal fields to simplify quoting
• Enables faster, more accurate renewals
  

Why It Matters

Each release removed friction while raising the quality of every submission. The result: less back-and-forth, fewer errors, and faster time to quote.

• Better data at the start
• Fewer manual tasks
• Cleaner submissions, faster underwriting
• Smarter workflows without requiring new systems
  

Where You’ll See It

• Counterpart’s Digital Application → Real-time AI recommendations during application intake
• Email Submissions → Our internal team uses tools to streamline submission processing
• API Submissions → Structured, AI-validated data returned automatically

Looking Ahead

In 2026, we will continue expanding the scope and sophistication of Agentic Insurance™.

You can expect:

• Continued optimization of the submission flow, with tools that increase speed and accuracy
• Embedded intelligence that empowers our underwriting team to respond with even more speed and precision
• New features to help you and your clients make faster, more confident coverage decisions
• Enhancements to our Agentic Claims Management™ system for an even more seamless claims experience

Built for Brokers. Designed for What’s Next.

2025 proved that AI can meaningfully improve how commercial insurance gets done. But this is just the beginning. Agentic Insurance™ is not a feature. It is the foundation we are building on to make underwriting smarter, faster, and more responsive to real-world needs.

Thank you for partnering with us. The next chapter starts now.