AI agent for underwriters
Loss Control Recommendation Follow-up Agent
Make sure every inspection recommendation is closed with valid proof before renewal, or that a consequence is proposed.
What it does
Property inspections produce recommendations such as repair a sprinkler, fix wiring or add a guard, but once the report is filed nobody checks whether the insured did the work before renewal. The agent reads each inspection report, lists every recommendation with a due date and the severity level, and logs it against the policy. It asks the broker for proof of completion as the date approaches, such as invoices, photos or a re-inspection note, and checks the evidence against what was required. If the item is still open at the due date, it proposes an action such as a subjectivity, a condition or a rate change, with the reasoning. It tracks the item until it is closed. Edge case: a photo shows a new extinguisher but not the required type, so the item stays open.
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.
Read the steps as a list
- Inspection report is filed
- Read the report and list each recommendation with severity and due date
- Log items against the policy and renewal date
- Request proof of completion from the broker as dates approach
- Check the proof against what the recommendation required
- Does the proof satisfy the requirement?If not: Tell the broker what is missing and ask again before the due date. Back to step 4.
- Propose a condition, subjectivity or rate action for items still open at due date
- Underwriter approves any notice or actionThe agent waits here for your OK.
- Updated recommendation log ready for renewal
How it decides
It closes an item only when the proof matches the requirement in type and date. Open items past the due date get a proposed action sized to severity and time left before renewal.
- A critical recommendation open 30 days before renewal triggers a proposed subjectivity
- Proof must show the specific item required, not a similar one
- Proof dated before the inspection does not count
- Moderate items still open at renewal are proposed as a premium or condition review
Make it yours
Every agent is a starting point. You choose these settings for your own situation.
- Days before renewal when reminders start (default 60)
- Severity levels that need a rate or condition proposal
- Types of proof accepted
- Reminder interval to broker (default 14 days)
What keeps you in control
It always asks you first
- Underwriter approves any notice to the broker or insured
- Underwriter approves any condition or rate action
Hard limits
- Never sends notices or changes terms without underwriter approval
- Never closes an item on a verbal statement alone
It stops when
- Done: all items closed or action approved
- Stop: policy cancelled or non-renewed, so tracking ends
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.
- 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
