Insurance

SafeLine's personal and commercial lines quoting ran on a 2009 policy admin system and a stack of Excel rating worksheets. A single commercial auto quote touched 4 underwriters, sat in email queues for 9 days on average, and required brokers to fax ACORD forms. Three of SafeLine's top brokerages had moved their books to a competitor that quoted in under an hour, taking $7.8M in annual premium with them. The underwriting team was spending 60% of its week re-keying data instead of assessing risk, and the loss-ratio reporting was 30 days behind — meaning leadership was pricing this year's book on last quarter's claims.

We deployed our Insure Flow platform with a multi-step quoting wizard, rules-based automated underwriting that binds low-risk personal lines instantly and routes commercial lines to the right underwriter in seconds, and a broker self-service portal where ACORD forms are filled online and pre-validated. Real-time loss-ratio dashboards feed back into the rating engine so pricing adjusts to current claims experience. The platform went live in 10 weeks and replaced the legacy quoting front-end, the rating worksheets, and the fax-based intake process.

Pinnacle had built a slick mobile-first quoting experience but was still rating drivers on the same age-and-ZIP factors the legacy carriers used. Safe drivers with low mileage and clean behavior were getting the same quotes as high-mileage night drivers — and they were leaving for competitors offering pay-how-you-drive rates. Pinnacle's loss ratio sat at 71%, well above the 65% target, because the rating plan couldn't distinguish good risk from bad. The actuarial team wanted to launch a UBI (usage-based insurance) product but had no telematics ingestion, no behavioral scoring engine, and no way to feed driving data back into pricing in real time.

We deployed our Insure Flow platform with a telematics ingestion pipeline that pulls driving data from a phone-based SDK and a partner OBD-II device, a behavioral scoring engine that computes a per-driver risk score from speed, braking, cornering, time-of-day, and mileage, and a real-time rating integration that adjusts renewal pricing based on the last 90 days of behavior. Policyholders see their driving score and projected renewal discount in the app, which doubled as a retention tool. The platform went live in 14 weeks.

Summit Insurance Group's 3-person security team was getting 9,000 alerts a day from a stack of disconnected tools — SIEM, EDR, cloud posture, email gateway — none of which talked to each other. Real threats were getting missed in the noise; an external pentest had found a domain admin credential sitting in a helpdesk ticketing system for 6 months. Summit held 2.1 million policyholder PII records across 11 states, and the New York DFS Cybersecurity Regulation (23 NYCRR 500) audit was 90 days out — a failed audit would have meant fines and a public consent order. The CISO was about to hire a 4th analyst just to keep up with alert triage, and the cyber insurer was threatening to double the premium.

We deployed our Aegis AI security posture platform with AI-driven alert prioritization that scores every alert against Summit's actual environment, automated SOAR playbooks that quarantine compromised endpoints and revoke stolen sessions in seconds, continuous compliance mapping that ties every control to NYDFS 500 requirements in real time, and a policyholder-data classification engine that flags over-exposed PII automatically. The platform ingested Summit's existing tool outputs so there was no rip-and-replace. In the first week, the AI caught an active ransomware deployment on an underwriter's laptop — the encryption payload had staged but not yet fired — and the SOAR playbook isolated the host before it could spread.