--- title: "GENIA for Insurance | AI agents for Insurance" description: "GENIA agents handle the reading, gathering and drafting around underwriting and claims, so experts spend their time on risk. Every answer points to the clause, the email or the meeting it came from." canonical: https://geniaops.com/solutions/industries/insurance last_updated: 2026-10-27 --- # GENIA for Insurance | AI agents for Insurance > GENIA agents handle the reading, gathering and drafting around underwriting and claims, so experts spend their time on risk. Every answer points to the clause, the email or the meeting it came from. URL: https://geniaops.com/solutions/industries/insurance 1. [GENIA](https://geniaops.com/) 2. [Solutions](https://geniaops.com/solutions) 3. [Industries](https://geniaops.com/solutions/industries) 4. Insurance Insurance and claims # Give underwriters back to underwriting. GENIA agents handle the reading, gathering and drafting around underwriting and claims, so experts spend their time on risk. Every answer points to the clause, the email or the meeting it came from. [Talk to us](https://geniaops.com/contact?topic=demo#form) See the problems 0% of underwriters' time goes to administrative and operational tasks Capgemini, 2025 0% of insurers cite inadequate access to data as an obstacle Capgemini, 2025 0% of insurance executives have taken action to elevate human skills Deloitte, 2025 [Industries](https://geniaops.com/solutions/industries)[Banking](https://geniaops.com/solutions/industries/banking)[Insurance](https://geniaops.com/solutions/industries/insurance)[Healthcare](https://geniaops.com/solutions/industries/healthcare)[Manufacturing](https://geniaops.com/solutions/industries/manufacturing)[Public sector](https://geniaops.com/solutions/industries/public-sector)[Legal services](https://geniaops.com/solutions/industries/legal)[Consulting](https://geniaops.com/solutions/industries/professional-services)[Retail](https://geniaops.com/solutions/industries/retail)[Energy](https://geniaops.com/solutions/industries/energy)[Logistics](https://geniaops.com/solutions/industries/logistics) The context Insurers face pressure on margins, rising cyber and climate exposure, and a workforce where experienced people are retiring faster than they are replaced. Much of the work still runs on submissions, emails and policy wordings scattered across legacy systems. Problems and answers ## 4 problems, and how GENIA would tackle each one. Problem 01 ### Underwriters buried in admin work Submissions arrive as emails, PDFs and spreadsheets. Underwriters re-key data, chase brokers and search past files before they can assess a single risk. 0% of underwriters' time goes to administrative and operational tasks [Capgemini, P&C Insurance Top Trends 2025 (World P&C Insurance Report 2024) (2025)](https://www.capgemini.com/wp-content/uploads/2025/09/Capgemini_Top-Trends-2025_PC-Insurance-1.pdf) With GENIA #### Submissions prepared before the underwriter opens them 1. 1 An agent reads each broker email and attachment and extracts the key risk data. 2. 2 It checks the submission against underwriting guidelines and flags gaps, citing the guideline page. 3. 3 Missing information becomes a draft broker request for the underwriter to approve. Reads from - Broker mailbox - Underwriting guidelines - Past policy files - Rating notes Your people decide. The underwriter sets terms, price and acceptance. Problem 02 ### Data trapped in legacy systems Policy, claims and customer data sit in separate systems and inboxes. Answering a simple coverage question can mean searching four places and asking two colleagues. 0% of insurers cite inadequate access to data as an obstacle [Capgemini, P&C Insurance Top Trends 2025 (World P&C Insurance Report 2024) (2025)](https://www.capgemini.com/wp-content/uploads/2025/09/Capgemini_Top-Trends-2025_PC-Insurance-1.pdf) With GENIA #### One searchable memory across systems 1. 1 Knowledge Hub connects Outlook, SharePoint and recorded meetings without moving data out of governance. 2. 2 Answers cite the policy wording page, email or meeting minute they rely on. 3. 3 Each team's objectives only see the data assigned to them. Reads from - Policy wordings - Claims correspondence - Product committee recordings - Endorsement archives Your people decide. Product owners decide what each team can access. Problem 03 ### Experience retiring faster than it is replaced Veteran underwriters and adjusters are leaving, and recruiting is not keeping pace. Their judgment lives in emails, notes and conversations that nobody has written down. 0% of insurance executives have taken action to elevate human skills [Deloitte, 2026 Global Insurance Outlook (2025)](https://www.deloitte.com/us/en/insights/industry/financial-services/financial-services-industry-outlooks/insurance-industry-outlook.html) With GENIA #### Capture expert know-how before it leaves 1. 1 Record working sessions with senior experts; GENIA transcribes and indexes them by minute. 2. 2 Process discovery turns sessions into documented processes, controls and decision points. 3. 3 New hires ask questions and get answers citing the expert's own explanation. Reads from - Recorded expert sessions - Referral notes - Claims manuals - Team mailboxes Your people decide. Senior staff validate the documented process before rollout. Problem 04 ### Complex claims and fraud need traceable work Large and suspicious claims require reports, photos, emails and expert opinions to be pulled together and reconciled. Regulators and reinsurers expect a clear trail of what was reviewed. With GENIA #### Claim files assembled with evidence attached 1. 1 An objective per complex claim gathers adjuster reports, correspondence and policy terms. 2. 2 The agent lists inconsistencies between documents, each with its page reference. 3. 3 It asks the handler which line to pursue and records the choice in the audit log. Reads from - Claims mailbox - Adjuster reports - Policy wordings - Recorded claimant calls Your people decide. The claims handler decides on payment, referral or denial. A project, objective by objective ## Commercial submission flow 1. Objective 1 Triage incoming broker submissions Done 2. Objective 2 Extract and validate risk data Done 3. Objective 3 Check against underwriting guidelines In progress 4. Objective 4 Draft broker queries and quote notes Waiting on you 5. Objective 5 Underwriter review and decision Next Objectives run in parallel when they can, chain when one needs the other, and stop to ask a person when a decision is not theirs to make. Ask your knowledge ## One question, a sourced answer. Does our commercial property wording cover business interruption after a cyber incident? GENIA Not by default. Cyber-triggered business interruption is excluded under clause 4.7 (Commercial Property Wording 2025, p. 18), unless the cyber extension is added (Product committee, recording 12 May, min. 23). Illustrative example Regulation ## GENIA prepares the evidence. Your team signs. - Solvency II - Insurance Distribution Directive (IDD) - DORA - EU AI Act - GDPR Who uses it ## Built for the people who carry the work. Underwriter Claims handler Broker relationship manager Actuarial analyst Compliance officer Head of operations ## See it with your own insurance documents. A short session with our team on a real process of yours. We bring the agents, you bring the paperwork. 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