Frequently Asked Questions
Comprehensive answers about AI automation in reinsurance operations.
Getting Started(8)
What is Reinsured.AI?
Reinsured.AI provides specialized AI agents for global reinsurance operations. Our production-ready agents automate document processing, underwriting, pricing, compliance, and portfolio management—eliminating the 40% manual data entry waste that plagues reinsurance teams.
Which agent should I start with?
Most clients start with either the Bordereaux Agent (if bordereaux reconciliation is a pain point) or the Submission Agent (if underwriting speed is critical). We recommend a 30-minute discovery call to identify your highest-impact use case based on your workflow bottlenecks.
Do I need to deploy all agents at once?
No. Agents are fully composable and can be deployed individually. Most clients start with 1-2 high-impact agents and expand based on results. There's no platform lock-in or minimum commitment required.
Can I trial an agent before committing?
Yes. We offer 30-day proof-of-concept deployments where you can test an agent with your actual data and workflows. Most clients see measurable results within the first two weeks of the trial period.
What's the typical deployment timeline?
Standard integrations go live in 48 hours. Complex custom workflows may take 1-2 weeks. Unlike legacy system replacements, our API-first architecture layers on top of existing systems, so there's no rip-and-replace required.
Do you work with brokers or only reinsurers?
We work with both. Brokers use our Submission and Placement agents for faster facultative placement. Reinsurers use our full platform for underwriting, pricing, and portfolio management. We also serve primary insurers and MGAs.
What size of organization do you typically work with?
Our clients range from Lloyd's syndicates processing 500+ submissions monthly to regional reinsurers managing $2B+ in treaty portfolios. If you're processing significant reinsurance volume and facing manual data bottlenecks, we can help.
Can agents handle multiple lines of business?
Yes. Our agents are trained across property CAT, casualty, specialty lines, life & health, and ILS structures. Each agent understands line-specific terminology and workflows, from parametric CAT triggers to casualty loss development patterns.
Implementation & Integration(10)
How do agents integrate with existing systems?
Our API-first architecture integrates via REST APIs, webhooks, and direct database connections. We support major policy admin systems (Duck Creek, Guidewire), accounting platforms (insureWorks, Sapiens), and document management systems. No legacy system replacement required.
Do you offer on-premise deployment?
Yes. We support cloud (AWS, Azure, GCP), hybrid, and fully on-premise deployments for organizations with strict data residency requirements. Lloyd's market participants often choose on-premise or UK-based cloud deployment.
What technical resources do I need for implementation?
Minimal. Most clients assign one technical contact for API key management and one business user to validate outputs. Our team handles the integration work. No dedicated IT staff required for standard deployments.
Can agents work with our existing email workflow?
Yes. Many clients start by forwarding broker submissions to a dedicated email address monitored by our Submission Agent. The agent extracts data, routes to the right underwriter, and logs everything in your system—no workflow disruption.
Do you integrate with catastrophe modeling platforms?
Yes. Our Pricing and Exposure agents integrate with RMS, AIR Worldwide, and CoreLogic. We can automate PML calculations, exposure accumulation, and CAT pricing based on model outputs. 78% of reinsurers now use ML for CAT modeling.
What happens if an agent can't process a document?
Agents flag uncertain extractions for human review. You set confidence thresholds (typically 95-98%). Documents below threshold are routed to your team with the agent's best-guess data pre-filled for faster manual processing.
Can I customize agent behavior for our workflow?
Yes. Agents support custom business rules, validation logic, and routing workflows. For example, you can configure the Submission Agent to auto-decline submissions outside your risk appetite or route CAT risks to specific underwriters.
How do agents handle multi-currency and multi-territory treaties?
Our Treaty and Bordereaux agents automatically detect currencies, apply exchange rates, and reconcile across territories. They understand currency fluctuation impacts on premium and loss calculations, with daily FX rate updates.
Do you support API rate limiting for high-volume processing?
Yes. Our APIs support bulk processing with configurable rate limits. For example, you can batch-process 1,000 bordereaux files overnight or process real-time submissions as they arrive. Enterprise plans include dedicated processing capacity.
What training do our staff need?
Minimal. Most users are productive within 1-2 hours. We provide role-based training: 30-minute overview for executives, 2-hour hands-on for underwriters, 4-hour technical training for system administrators. Ongoing support included.
Pricing & ROI(9)
How is Reinsured.AI priced?
Pricing is usage-based: per-document for data extraction agents, per-quote for pricing agents, and per-seat for workflow agents. Most clients spend $15-50K annually per agent. Contact us for a custom quote based on your volume.
What's the typical ROI timeline?
Most deployments show positive ROI within 3-6 months. Clients report 40% time savings on manual tasks, $7-9M annual operational savings, and 60% faster submission processing. The Bordereaux Agent alone saved one Zurich reinsurer $8.2M annually.
Are there setup or integration fees?
Standard API integrations are included. Complex custom integrations (legacy system connections, custom workflows) may incur one-time setup fees of $10-25K. We scope this during the discovery phase and provide fixed pricing upfront.
Do you offer volume discounts?
Yes. Pricing decreases as volume increases. Enterprise clients processing 10,000+ documents monthly typically receive 30-40% discounts. Multi-agent deployments also qualify for bundle pricing.
What if our volume fluctuates seasonally?
Usage-based pricing automatically adjusts to your volume. You pay for what you use—no penalties for seasonal drops. Many CAT reinsurers have peak volume during renewal season; our pricing scales accordingly.
Can you quantify time savings for specific workflows?
Yes. Bordereaux reconciliation: 4 days → 2 hours (95% reduction). Submission triage: 20 minutes → 30 seconds (97% reduction). Treaty analysis: 2 hours → 5 minutes (96% reduction). Claims validation: 1 hour → 3 minutes (95% reduction).
What's included in the base price?
Base price includes: agent access, API calls up to your volume tier, standard integrations, 99.9% uptime SLA, email support, quarterly business reviews, and all feature updates. Premium support and custom development are optional add-ons.
Do you have contract minimums?
Standard contracts are 12-month commitments with monthly usage limits. We offer month-to-month for smaller deployments or 3-year contracts with deeper discounts for enterprise clients. No vendor lock-in—clients can export all data.
How do you compare to hiring additional staff?
One underwriter costs $120-180K annually plus overhead. Our agents cost $15-50K per year and process 10x the volume with 24/7 availability. Most clients redeploy staff to higher-value work like relationship management and complex risk assessment.
Security & Compliance(12)
Is our data used to train your AI models?
No. Your treaty data, bordereaux, and submissions never train our models. We maintain strict data sovereignty with per-client data isolation. Our models are pre-trained on anonymized industry data and publicly available reinsurance documents.
What security certifications do you hold?
We are SOC 2 Type II and ISO 27001 certified. We undergo annual penetration testing and maintain compliance with GDPR, CCPA, and industry-specific regulations. Security audits available upon request.
How is data encrypted?
All data is encrypted in transit (TLS 1.3) and at rest (AES-256). Encryption keys are managed via AWS KMS or Azure Key Vault with automatic rotation. For on-premise deployments, you control your own encryption keys.
What access controls do you provide?
Role-based access control (RBAC) with granular permissions. Support for SSO via SAML 2.0 and OIDC (Okta, Azure AD, Google). Multi-factor authentication required for all accounts. Audit logs track all user actions and API calls.
Where is data stored geographically?
We support data residency in US, EU (London, Frankfurt), Asia-Pacific (Singapore), and other regions. Lloyd's clients typically choose UK-based storage. You control where your data resides based on regulatory requirements.
Do you support GDPR and data privacy regulations?
Yes. We are GDPR-compliant with data processing agreements (DPAs) available. Support for data subject access requests (DSARs), right-to-deletion, and data portability. Annual privacy audits and privacy shield certification.
What regulatory frameworks do you support?
Our Compliance Agent tracks Lloyd's market requirements, Bermuda Monetary Authority, EU Solvency II, Swiss FINMA, US state regulations, and other global frameworks. Automated filing reminders and regulatory reporting templates included.
Can we audit your security practices?
Yes. We provide SOC 2 reports, penetration test results, and allow client security audits. Enterprise clients can review our infrastructure, codebase security practices, and incident response procedures.
How do you handle security incidents?
We have a 24/7 incident response team, 2-hour detection SLA, and 4-hour notification SLA for security events. Incident response playbooks cover data breaches, system compromises, and DDoS attacks. All incidents are logged and reported.
Do you support air-gapped deployments?
Yes. For highly sensitive environments (government, defense reinsurance), we support fully air-gapped on-premise deployments with manual model updates. This is common for sovereign reinsurers and classified risk pools.
What's your data retention policy?
Data is retained per your requirements (typically 7-10 years for reinsurance). You can configure auto-deletion schedules. When contracts end, we securely delete all data within 90 days unless you request an extension for regulatory compliance.
Are you insured for cyber liability?
Yes. We maintain $25M cyber liability insurance covering data breaches, professional liability, and errors & omissions. Insurance certificates available upon request.
Technical Capabilities(10)
What document types can agents process?
PDF, Word, Excel, scanned documents, emails, and images. We support bordereaux, treaty wordings, facultative slips, broker submissions, loss runs, exposure schedules, actuarial reports, policy contracts, and claim notifications. 40+ languages supported.
How accurate is document extraction?
99.7% accuracy on structured documents (bordereaux, standard submissions). 95-98% on unstructured documents (emails, broker narratives). Accuracy improves over time as agents learn your document formats. Human review required only for low-confidence extractions.
Can agents handle handwritten documents?
Yes, but with lower accuracy (85-90%). Handwritten facultative slips and manuscript policies are processed using OCR + AI validation. For critical data, we recommend human review of handwritten extractions.
Do agents understand reinsurance-specific terminology?
Yes. Agents are trained on bordereaux, CAT XoL, loss corridors, reinstatement premium, ceding commission, experience accounts, swing-rated treaties, clash coverage, and 100+ other reinsurance terms. They understand Lloyd's market conventions and global treaty structures.
Can agents process documents in multiple languages?
Yes. We support 40+ languages including English, Spanish, German, French, Japanese, Mandarin, and Portuguese. Agents automatically detect language and translate to your preferred output language while preserving numerical accuracy.
How do agents handle complex treaty structures?
Our Treaty Agent extracts terms from multi-year, multi-territory, multi-currency treaties with cascading layers, reinstatement provisions, and profit commissions. It understands loss corridors, aggregate deductibles, and sliding scale commissions.
Can agents calculate exposure accumulation?
Yes. The Exposure Agent aggregates exposure across treaties, calculates PMLs by event and zone, identifies accumulation hot spots, and flags breach of capacity. Integrates with CAT models for real-time exposure monitoring.
Do agents detect anomalies and errors?
Yes. Agents flag mismatches between bordereaux and treaty terms, unusual loss patterns, duplicate claims, premium discrepancies, and missing data. The Claims Agent detects potential fraud with 94% accuracy based on loss notification patterns.
Can agents generate reports and filings?
Yes. Automated generation of Lloyd's quarterly reporting, Solvency II templates, state regulatory filings, and internal management reports. Support for custom report templates in Excel, PDF, and CSV formats.
What's the API response time?
Document extraction: 2-10 seconds per document depending on complexity. Pricing calculations: sub-second response. Bulk processing: 1,000 bordereaux files processed in under 30 minutes. Enterprise plans include dedicated processing for guaranteed response times.
Reinsurance Operations(7)
Can agents handle facultative vs treaty reinsurance?
Yes. Our agents are trained on both facultative slips and treaty wordings. The Treaty Agent extracts terms from complex multi-year contracts, while specialized agents handle facultative placements, including quick-turn facultative certificates and structured reinsurance.
How do agents handle bordereaux reconciliation?
The Bordereaux Agent extracts premium, claims, and commission data with 99.7% accuracy, reconciles against treaty terms, flags discrepancies, calculates ceding commission and experience accounts, and generates exception reports. Processing time drops from 4 days to 2 hours.
Can agents price parametric structures?
Yes. The Pricing Agent quotes parametric CAT triggers (wind speed, earthquake magnitude, flood depth) based on historical loss data and CAT model outputs. Supports basis risk analysis and pricing adjustments for trigger levels.
Do agents support retrocession analysis?
Yes. The Retrocession Agent analyzes your reinsurance protection, identifies capital optimization opportunities, models stress scenarios, and recommends retro structures. One Tokyo reinsurer reduced retro costs by 40% using our optimization recommendations.
Can agents manage clash coverage?
Yes. The Clash Agent tracks multi-line exposure from single events (e.g., hurricane causing property + casualty + workers comp losses), calculates clash limits, and monitors aggregate exposure across your treaty portfolio.
How do agents handle claims processing?
The Claims Agent validates loss notifications against treaty coverage, calculates reinsurance recoverables by layer, tracks claims development, identifies subrogation opportunities, and flags anomalies for potential fraud. 95% faster than manual claims processing.
Can agents support ILS and alternative capital structures?
Yes. Our agents process CAT bond structures, collateralized reinsurance, sidecars, and quota share arrangements. The Capital Markets Agent tracks ILS pricing, compares traditional vs alternative capital costs, and models capital structure optimization.
Support & Training(6)
What support do you provide?
Standard plans include email support (4-hour response SLA) and quarterly business reviews. Premium plans add 24/7 phone support, dedicated Slack channels, and assigned customer success managers. Enterprise plans include on-site support and custom training.
Do you provide training for our team?
Yes. Role-based training included: 30-minute executive overview, 2-hour hands-on for underwriters and accountants, 4-hour technical training for IT staff. We also offer annual refresher training and onboarding for new hires.
What's your uptime SLA?
99.9% uptime guaranteed (less than 9 hours downtime per year). Real-time status dashboard available. Maintenance windows scheduled during off-peak hours with 7-day advance notice. Enterprise plans include 99.95% SLA.
How often do you release updates?
Monthly feature releases and weekly bug fixes. Major updates (new agent capabilities, integrations) quarterly. All updates are backward-compatible and rolled out with zero downtime. Release notes and changelogs provided.
Can we request custom features?
Yes. Enterprise clients can request custom agent capabilities, integrations, and workflow modifications. Custom development priced separately based on scope. Most custom requests are delivered within 4-8 weeks.
Do you have a user community or knowledge base?
Yes. Our knowledge base includes 200+ articles, video tutorials, API documentation, and best practices guides. Enterprise clients access a private community forum for peer-to-peer support and monthly office hours with our product team.