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AI agent for insurance brokers

Insurance Exposure Unit Reconciliation Agent

Exposure schedules in consistent, defined units.

Insurance Exposure Unit Reconciliation Agent: what goes in, what the agent does and what you get

What it does

Exposure schedules from clients often mix units, such as square feet and square meters, or monthly and annual payroll. Adding them up gives totals that are wrong. This agent reads every line of a client's schedule and identifies the unit and period used. It converts a line only when the definition and conversion factor are supplied, for example an agreed currency rate or a stated payroll period. When there is no conversion basis, it flags the line and does not produce a combined total. After converting, it recalculates totals and checks them against the client's stated figures. The analyst approves the schedule. Edge case: one site lists payroll with no period stated, so the agent leaves the total open and asks the client.

How it works

Follow the arrows from top to bottom. The orange dashed arrow is the loop: when a check fails, the agent goes back and tries again.

Start and resultWhat it doesA check on its own workWaits for your OKGoes back and retries
Yes, continueYes, continueApprovedNoNo 1 STARTS WHEN Schedules received 2 USES A TOOL Read each schedule line 3 USES A TOOL Identify units and periods per line 4 CHECKS THE RESULT Is there a supplied conversion basis? If not: flag the line and give no combined total. Backto step 3. 5 USES A TOOL Convert and recalculate totals 6 CHECKS THE RESULT Do totals agree with the client's figures? If not: recheck each conversion and note the gap. Backto step 5. 7 YOU APPROVE Analyst approves the schedule 8 RESULT Unit-consistent exposure draft
Read the steps as a list
  1. Schedules received
  2. Read each schedule line
  3. Identify units and periods per line
  4. Is there a supplied conversion basis?If not: flag the line and give no combined total. Back to step 3.
  5. Convert and recalculate totals
  6. Do totals agree with the client's figures?If not: recheck each conversion and note the gap. Back to step 5.
  7. Analyst approves the scheduleThe agent waits here for your OK.
  8. Unit-consistent exposure draft

How it decides

It converts with supplied factors only and flags undefined units.

  • Convert only with supplied factors.
  • No combined total while any line lacks a basis.
  • Gaps larger than the threshold go back to the client.

Make it yours

Every agent is a starting point. You choose these settings for your own situation.

  • Approved conversion factors and their source
  • Units the schedule should end in (default square feet, annual payroll)
  • Difference from the client's total that triggers a question (default 1%)
  • Who approves the schedule

What keeps you in control

It always asks you first

  • Risk pricing
  • Carrier submission

Hard limits

  • No assumed conversions.

It stops when

  • Done: consistent or flagged.

Set it up

We guide you through the set-up, step by step

Members get the full set-up guide for this agent. No technical skills needed: you copy, paste and upload.

10 minto set it up in your AI
5 AIsChatGPT, Claude, Copilot, Gemini, Grok
  • One set of instructions to paste into your AI, with the clicks for ChatGPT, Claude, Microsoft 365 Copilot, Gemini and Grok
  • The agent then walks you through connecting your own data, one source at a time
  • A downloadable copy with the flow chart, the rules and the full guide
Get access to this agent

An example run

What happensA client sent a 14-location schedule on February 3. Twelve lines were in square feet; two used square meters. The two had no stated basis in the file, so the check failed. The agent flagged them and asked the analyst, who supplied the standard factor. The agent converted, recalculated the total at 412,600 square feet and matched the client's summary. The analyst approved on February 4.

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