Automated Underwriting for Modern Insurance Teams.
We provide the first purely Agentic Underwriter — true AI autonomy, side-by-side with your staff.
hesOS: A Multi-Agent System for Orchestrated Underwriting.
hesOS is our multi-agent operating system designed for modern underwriting. It orchestrates a seamless workflow from initial data ingestion to final quote dispatch.
Autonomous Inbound Triage
Our agents handle inbound requests by analyzing and sorting requests for quote automatically. They assure complete submissions and directly match your appetite. If needed, they involve their human colleague and get back to the broker. Otherwise, they prepare the quote automatically.
Real-time Risk Assessment
Instantly validate the completeness and accuracy of the risk information. Our agents perform a deep, company-specific analysis, cross-referencing the exposure and mitigation metrics against industry-specific benchmarks. You receive a detailed, justified rationale for every statement, guaranteeing a sound and high-quality standard for every quote.
Accountable Collaboration
Our agents seamlessly leverage a suite of internal resources, including CRMs, pricing tools, sanction screening, and proprietary databases, to ensure a complete analysis. They automate essential administrative steps, such as document storage and instance policy computation, and comparison of the wording, while extracting and highlighting all relevant contextual details.
Worksheet Creation for 4-eyes
Our agents automatically populate the final quote worksheet, including all calculated details with granular reasoning on every field. This comprehensive worksheet is then routed to a human colleague for mandatory four-eyes validation. Upon human approval, the finalized, quality-assured quote can be immediately dispatched back to the broker.
Self-Explaining, Traceable, and Human-like Interaction.
hesOS seamlessly integrates Human-in-the-Loop quality control, providing a detailed, adaptable rationale for all of it's steps.
No Platform, no Required Training
The agents act and communicate like an experienced underwriter – naturally, efficiently, and integrated into your existing workflow. Your team simply continues to work as usual – but significantly more productively.
Inteligent Portfolio Management in Real-Time
State-of-the-art AI technology enables the agents to analyze submission data immediately, classify risks according to appetite, and assign priorities. On request, it provides the underwriter with a sound basis for decision-making – in a matter of seconds.
End-to-end Automation of Underwriting
From submission to billing: submission, indication, follow-up communication, documentation, CRM processes, and invoicing – everything is managed by the agents. Your team gains freedom to focus on what matters most: strategy, partnerships, and growth.
Employ Our Agents for Augmented Underwriting
Read how hesOS streamlines the complete underwriting process.
