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AI agent for insurance risk analysts

Portfolio Accumulation Monitoring Agent

Exposure kept within appetite limits with early warnings

MonitoringRisk managementFinanceInsurance
See how it worksGet access
Portfolio Accumulation Monitoring Agent: what goes in, what the agent does and what you get

What it does

Insurers can quietly build up too much exposure in one city block or one large customer until a single event threatens results. Each week this agent loads in-force and pending business and measures concentration by location cluster, large customer and industry. It compares each cluster to the appetite limits and marks anything over 85% as a warning. For new quotes and binds, it checks whether they add to a near-limit area. If a cluster is near the limit, it alerts underwriters and lists pending quotes that would push it over. It reclusters after any bind over $10 million and after cancellations. Quotes that would breach a limit need an exception. Risk leaders approve every exception. Edge case: two separate customers own buildings on the same block, so the agent clusters by location, not by customer.

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, continueApprovedNo 1 STARTS WHEN Weekly accumulation check 2 USES A TOOL Load in-force and pending business 3 DOES Cluster exposure by location, customer and industry 4 DOES Compare to appetite limits 5 CHECKS THE RESULT Are all clusters below the warning level? If not: alert underwriters and list quotes that wouldbreach. Back to step 3. 6 YOU APPROVE Risk leader approves exceptions 7 RESULT Accumulation report
Read the steps as a list
  1. Weekly accumulation check
  2. Load in-force and pending business
  3. Cluster exposure by location, customer and industry
  4. Compare to appetite limits
  5. Are all clusters below the warning level?If not: alert underwriters and list quotes that would breach. Back to step 3.
  6. Risk leader approves exceptionsThe agent waits here for your OK.
  7. Accumulation report

How it decides

It clusters exposure by distance and group, and warns at a set share of each limit.

  • Cluster over 85% of limit: warning
  • Quote would breach limit: needs exception
  • Recluster after any bind over $10 million

Make it yours

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

  • Cluster radius
  • Warning level
  • Limits by peril
  • Report timing

What keeps you in control

It always asks you first

  • Limit exceptions

Hard limits

  • Never declines quotes
  • Never changes limits

It stops when

  • Done: report shared
  • Stop: location data missing

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 happensIn the June 2 check, a downtown cluster was at 88% of its $500 million limit, so the warning check failed. The agent found two pending quotes worth $70 million that would breach it and alerted the underwriters. One quote was bound with a lower $25 million line, and the agent reclustered to 93%. The risk leader declined an exception for the second quote.

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