Digitising the end-to-end quote, bind and issue process. - artificial


Digitising the end-to-end quote, bind and issue process.

Sophisticated tools in one simple platform

We use AI and Machine Learning to digitise and simplify complex data collection, contract negotiation and pricing.

We see this as a four step process.

  • 1

    Capture data from the customer or your client

  • 2

    Enrich the data using internal and external sources

  • 3

    Score or prioritise the risk to provide insight

  • 4

    Build a digital contract through algorithms or in person


Universal tools

Seamless integration

Use our core programs or integrate easily with existing Broker and underwriter platforms, third-party data providers, policy management systems, reporting and dashboard systems, email providers and payment providers.

Audit trail

Track and log all actions and amendments made throughout the policy lifecycle. Defined processes ensure compliance with regulations.

Direct engagement

Cloud-based submissions give all parties in the value chain instant access to documents and streamline time-consuming processes - giving you the time to focus on what really matters.

Other features

  • Flexible document creation service
  • Document management and storage
  • Track and view all changes in real time
  • Centralised administration

Contract building and negotiation

Digital contract platform

Quote, collaborate and negotiate, policy binding, endorsements, cancellations, renewals

Digital distribution

Broker hierarchy, location-specific products, underwriting facilities.

Other features

  • Digital contract with tailored data points
  • Electronic/digital signatures
  • Define structured insurance products

Data capture and enrichment

Extract data from emails, attachments and files

Digitise data from emails, attachments and paper-based submissions or extract points from text and image-based documents using pioneering Machine Learning techniques.

Identification of risk threats

Embrace the power of data to forecast future risks and observe correlations between risk variables.

Other features

  • Collect and structure risk information
  • Capture claim information from customers
  • Configurable data collection rulesets
  • Pattern analysis and linking policies

Rules-based and ML automation

Using Machine Learning, our Claim Automation application helps you optimise profits by recognising and summarising the content of claims documents and continuously learning patterns to suggest improvements for future decision making.

White labelled web portals across all platforms

Our dynamically generated and white label websites and apps ensure simple, beautiful customer experiences with a single point of data capture. The artificialOS platform allows for visual customisation or integration with your existing applications using our APIs and SDKs.

Scoring and pricing

Automate risk scoring and pricing

Automatic scoring uses data to demonstrate the quality of a risk, its fit within the current portfolio of business and the likelihood of a potential claim. Brokers and underwriters then receive a reliable initial analysis of any submission, without the heaps of paperwork.

Integration with any data set or API

Our applications are API-first and allow for seamless third-party integration - so your underwriters and brokers can make fully-informed decisions without the effort of traditional data collection.

Other features

  • Manually edit rates
  • Baseline and enhance current pricing methods
  • Collaborate and create bespoke Machine Learning-driven pricing engines
  • Integration with existing pricing tools and systems

Policy management

Single customer view of policies

Our platforms allow your customers to quote and buy insurance any time or place at a fraction of the speed it used to take. Insurance product purchasing and deployment is made frictionless thanks to personalised, reliable and fully responsive web pages and platforms.

Other features

  • Policy financials
  • Endorsements
  • Renewals
  • Timeline

Bordereau creation to various templates

Generate Bordereau reports compliant with the latest Lloyd's coverholder standards.

Post-bind policy lifecycle

Complaints and appeals, cancellation and termination, pre- and post-bind checks, first notification of loss.

Our products are used and trusted by

AXIS logoCHAUCER logoConvex logoAON logoCAPITA logo
  • “Artificial are a fundamental part of our proposition and are a key differentiating factor when compared to competition.”

    Gonzalo Torres De Arcos

    Global Leader - Telecom Practice, Aon Affinity

  • “Artificial’s technology is truly unique in the market. They genuinely have the ability to disrupt at scale.”

    Dave Richards

    Technical Director, Capita Plc

Want to learn more?

Contact Us

10 Bow Lane



United Kingdom

020 3880 8461

Koszykowa 61