When an issued policy arrives from the carrier, AI compares it clause-by-clause against the binder and proposal, highlighting every discrepancy in limits, endorsements and named insureds. A human confirms the findings in minutes instead of reading two-hundred-page documents line by line.
Typical results
25 min
Average review time
100%
Checked within 2 days
12
Carrier errors caught in Q1
Figures reflect typical results for this kind of automation.
The challenge
Policy checking is the task everyone deferred: comparing a 200-page issued policy against the binder demands hours of focused reading, so documents piled up unchecked for weeks. Carrier errors — wrong limits, missing endorsements, misspelled named insureds — surfaced only at claim time, when they became E&O exposure instead of a quick correction.
Before and after
Checking time per policy
−86%Policies checked within 2 days
5.6×Unchecked backlog
−100%The automation
We built a pipeline that ingests each issued policy on arrival and pulls the matching binder and proposal from the management system. An AI engine aligns the documents clause by clause — limits, deductibles, endorsements, exclusions, named insureds, effective dates — and produces a discrepancy report quoting the exact conflicting passages side by side. An account manager confirms real errors in minutes and sends a pre-drafted correction request to the carrier.
How it works
- 01
Policy arrives
The issued policy PDF lands from the carrier and is ingested automatically.
- 02
Documents paired
The matching binder and proposal are pulled from the management system.
- 03
Clause-by-clause comparison
AI aligns limits, deductibles, endorsements, exclusions and named insureds across all three documents.
- 04
Discrepancies highlighted
A report quotes each conflicting passage side by side, ready for human judgment.
- 05
Human confirms
The account manager verifies real errors and sends a pre-drafted correction request to the carrier.
Starts from
- Issued policy
- Binder & proposal
Delivers
- Discrepancy report
- Reviewer alert
- Carrier correction request
The impact
Checking a policy typically drops from around three hours to 25 minutes, an 85% cut, and a backlog of unchecked policies clears within weeks. The AI catches wrong limits, missing endorsements and misnamed insureds that busy reviewers tend to miss, and every policy gets checked within two days of issuance.
Questions about this automation
What exactly does the AI compare?
It aligns the issued policy with the binder and the proposal clause by clause, checking limits, deductibles, endorsements, exclusions, named insureds and effective dates. Each difference appears in a discrepancy report that quotes the conflicting passages side by side, so the reviewer sees the issue without opening all three documents.
Does a person still sign off on the check?
Yes. The AI only highlights possible discrepancies. An account manager reviews each one, confirms which are real errors and sends a pre-drafted correction request to the carrier. Findings and decisions are logged on the policy record, which gives the brokerage a clear trail for E&O purposes.
Where do the policy, binder and proposal come from?
Issued policy PDFs are picked up as they arrive from carriers, by email or download, and the matching binder and proposal are pulled from the agency management system. The pipeline links the documents by policy number and insured name. This is a multi-step build, usually rolled out in stages, starting with one line of business.