AI Underwriting Intelligence for MGAs
Turn broker submissions into decision-ready underwriting files — with the data, guidelines, risk context, and rationale your underwriters need.
AI recommends. Your underwriter decides.
Working product, tested with practicing underwriters. Now opening pilot conversations with a limited number of MGAs — no IT setup required.
Hi team —
Attached is the app and loss runs. Need a quote by tomorrow if possible.
Let me know what else you need.
Named insured?
Not found in email or attachments
Revenue / payroll missing
Cannot classify risk tier
No guideline check
Underwriter must compare manually
Within appetite
Revenue & class pass carrier rules
Loss runs reviewed
3-year ratio: 42% — favorable
Needs review
5-year loss run requested
Illustrative example. In internal testing, Clairo processed representative submissions in approximately 30 seconds; the manual baseline is a founder-observed estimate, not a production benchmark.
Clairo market estimate based on approximately 1,100–1,200 U.S. MGAs and assumptions about technology adoption. Not an independently verified industry statistic.
61.3% of survey respondents reported using AI, while 35.5% reported actively budgeting for AI tools — Gallagher Bassett MGA Market Pulse 2026.
In internal testing, Clairo processed representative submissions in approximately 30 seconds. The ~30-minute manual baseline is a founder-observed estimate from commercial underwriting experience — not an industry-wide benchmark.
Datos Insights estimates approximately 1,200 U.S. MGAs today and expects only approximately 600–700 to survive the next five years, citing technology modernization as a major differentiator.
Sources: Gallagher Bassett MGA Market Pulse 2026; Datos Insights, "The MGA Technology Stack: Survival 2030." The "600+" figure is a Clairo market estimate, not an independently verified statistic. The processing-time figure is from Clairo's internal testing; the manual baseline is a founder-observed estimate.
Underwriters spend most of their day on work that isn't underwriting.
"We spend 2 hours per submission on things that should take 10 minutes. AI could do that in seconds."
The AI underwriting workbench for MGAs — from submission to human decision.
Clairo turns broker submissions into decision-ready underwriting files by combining submission intelligence, data reconciliation, underwriting guidelines, and decision traceability. AI recommends — your underwriter decides.
Every flag cites the exact rule. Auditable by underwriters and regulators.
Upload your appetite PDF. We parse it into rules. Your underwriting DNA, automated.
AI proposes. The underwriter decides. Full control at every step.
What Clairo does today. What's on the roadmap.
We keep the distinction explicit: everything on the left works in the product today. Everything on the right is on our roadmap — designed for the future, not yet deployed.
- Submission ingestion — ACORD forms, loss runs, broker emails, supplemental applications
- AI document extraction into structured underwriting data
- Source provenance — every extracted field cites its document, page, and section
- Data reconciliation across conflicting sources
- Guideline and appetite evaluation against your own rules
- Underwriting recommendations — Approve, Decline, or Refer
- Human decision capture with override rationale
- Decision and audit history for every submission
- Account and submission history across your book
The underwriter always makes the final decision. Clairo recommends — it does not underwrite autonomously.
- External data augmentation at broader scale
- Organizational intelligence
- Organizational memory that actively informs recommendations
- Outcome-based learning
- Permissioned AI agents
- Automated underwriting workflow execution
- Cross-book, broker, and risk insights
Roadmap items are planned or in development. They are not part of the product today, and Clairo does not yet autonomously learn from historical decisions.
More than document extraction
Document extraction is only the beginning. Clairo is designed around the underwriting workflow — connecting what is submitted, what the MGA knows, what its guidelines require, and what the underwriter ultimately decides. In the future, we plan to enrich this picture with external risk context.
Over time, this creates an underwriting intelligence layer rather than another generic AI interface on top of insurance software.
From Copilot to Underwriting Intelligence
Clairo starts by helping underwriters process and evaluate submissions. Over time, it is designed to become an intelligence layer across the MGA's underwriting workflow — connecting submission data, external context, underwriting decisions, and organizational memory.
- Submission Intelligence
- Reconciliation
- Guideline Evaluation
- Recommendation
- Human Decision
Live in the product today. The underwriter makes every final decision.
- External Data Augmentation
- Organizational Memory
- Workflow Intelligence
Planned capabilities — designed, not yet deployed.
- Permissioned AI Agents
- Repetitive Workflow Execution
- Organizational Insights
Long-term product direction — not currently deployed.
From individual submissions to organizational intelligence
Our long-term product direction is to help MGAs understand patterns across their entire operation:
This is Clairo's product direction and roadmap — not fully deployed functionality. Clairo does not currently provide a complete 360° organizational view, and the underwriter remains in control of every decision at every stage of this evolution.
Why Clairo?
Designed around real commercial submission workflows rather than generic document automation.
Clairo works from the MGA's own underwriting appetite today and captures underwriting decisions and organizational knowledge — creating the foundation for future learning from historical outcomes (roadmap).
Clairo recommends. Your underwriter makes the consequential decision.
Built for the lines MGAs actually write.
Clairo supports the full commercial P&C workflow — from core lines to specialty.
Core Commercial Lines
- Property
- General Liability
- Commercial Auto
- Workers' Compensation
- Inland Marine
Specialty & Financial Lines
- D&O
- Cyber
- Crime
Additional lines added based on customer discovery and pilot conversations.
Built with Underwriters
Tested with practicing commercial underwriters through real-world submission workflows — and measured against our own internal processing tests.
In internal testing, Clairo processed representative submissions — intake to underwriter-ready brief — in approximately 30 seconds. The ~30-minute manual baseline is a founder-observed estimate from commercial underwriting experience.
See it on a real submission
No login required. Try Clairo on a sample commercial submission — extract fields, check guidelines, and see the broker email drafted in under 30 seconds.
Built for MGAs. Not for enterprise.
- 12–18 month implementation
- Six-figure contracts
- Requires IT department
- Built for top-25 carriers only
- Self-serve onboarding
- Upload your guidelines, start today
- No IT integration required
- Built for specialty and commercial MGAs
- For underwriting teams processing broker submissions through email, PDFs, ACORD forms, loss runs, and supplemental applications.
Works with the systems you already use. Clairo helps modernize underwriting workflows without requiring your MGA to replace its existing core systems.
Never lose capacity.
Clairo generates an immutable compliance audit trail for every submission processed — making your quarterly carrier binder audits effortless. When your carrier asks for proof of guideline compliance, pull up Clairo's Capacity Compliance Report in one click.
- Immutable decision log with timestamps
- Guideline traceability for every submission
- One-click carrier-ready PDF export
Built with the people who do this every day.
"If AI could just handle the paperwork, I could focus on the accounts that actually need my judgment."
Market evidence
Independent industry research points to the environment Clairo is built for: rising AI adoption in underwriting, fragmented information systems, and a technology-driven shakeout among MGAs.
Accenture's 2025 survey of 430 senior insurance underwriting executives found that organizations expect AI adoption in underwriting to rise from 14% today to 70% within three years.
Source: Accenture — Underwriting Rewritten (2025)Among surveyed underwriting executives, 65% identified ineffective systems, 42% lack of information/analytics, and 40% poor information access/organization as major challenges.
Source: Accenture — Underwriting Rewritten (2025)Gallagher Bassett's 2026 MGA Market Pulse found that 61.3% of respondents reported using AI, while only 35.5% reported actively budgeting for AI tools.
Source: Gallagher Bassett — MGA Market Pulse 2026Datos Insights estimates approximately 1,200 U.S. MGAs today and expects only about 600–700 to survive the next five years, arguing that technology modernization will be a major differentiator.
Source: Datos Insights — The Great MGA ShakeoutThese industry findings reinforce the direction Clairo is building toward: an AI-native underwriting workbench that combines data, risk context, underwriting intelligence and eventually agentic workflows.
Underwriting expertise is too valuable to be wasted on administrative work.
A future where specialty and commercial MGAs move as fast as the top-25 — without enterprise IT, six-figure contracts, or 18-month rollouts. Faster quotes. Consistent decisions. Happier brokers.
Every retiring underwriter takes decades of institutional knowledge out the door. In Accenture's "Underwriting Rewritten" research, 76% of underwriting executives expect AI to ease knowledge transfer between experienced and newer underwriters. Clairo is designed to help MGAs capture that knowledge before it walks out.
Datos Insights estimates approximately 1,200 U.S. MGAs today and expects only approximately 600–700 to survive the next five years, with technology modernization a major differentiator. Clairo is built for the MGAs that want to stay independent.
The opportunity goes beyond document extraction and per-underwriter automation. Our product thesis, informed by customer discovery with specialty MGA underwriting leaders, is that an MGA's underwriting intelligence is locked inside fragmented data: submission data, external sources, appetite guidelines, historical decisions, broker relationships, portfolio context, and day-to-day workflow. Connecting these is how underwriting becomes a compounding institutional asset instead of knowledge in individual underwriters' heads.
Today: Submission Intelligence & Account History
Clairo turns messy commercial submissions into decision-ready underwriting files — extraction, source provenance, reconciliation, guideline checks, recommendations, and human decision capture — and remembers each account's submission history.
Roadmap: Organizational Memory
Planned, not yet deployed: Clairo is designed to learn how the MGA actually underwrites — including historical decisions and human overrides — so organizational memory can actively inform future recommendations.
Long term: Connected Underwriting Intelligence
Clairo's long-term vision is to connect submission data, external data augmentation, underwriting guidelines, historical decisions, organizational memory, broker and customer relationships, risk and portfolio context, and workflow activity — turning fragmented insurance data into actionable underwriting intelligence.
Francis Choma
Francis Choma is a former commercial underwriter at Liberty Mutual and the founder of Clairo. He reviewed broker submissions daily, cross-checked appetite guidelines, and wrote broker response emails from scratch. He left knowing exactly what was broken and built the fix.
He holds a B.A. in Economics from Marymount University and built Clairo solo — without a technical cofounder or engineering team — in under 90 days, with early backing from LvlUp Ventures.
He founded Clairo with one conviction: underwriting expertise is too valuable to be wasted on administrative work.
Ready to see Clairo in action?
We're opening pilot conversations with a limited number of MGAs. Request access and we'll be in touch within 24 hours.
No IT integration required — Clairo runs in the browser. Operational within days.
SOC 2 certification planned. Pilots currently recommended with historical or anonymized submissions.