Throughout the industry, the fear isn’t just that AI will replace the broker. There’s a genuine argument to say that AI will also make every broker sound the same.
Because if everyone uses the same algorithm, then where’s the differentiation? Where does your specific expertise – the niche knowledge you’ve built over 20 years in construction, or marine, or legal risk – fit in?
The answer lies in customisation – don’t just use AI. Teach it to think like you.
The End of “One Size Fits All”
Until now, insurtech has been a rigid product. You get a dashboard, you get a score, and you take it or leave it. If you wanted the system to flag a specific clause for a specific type of client, you had to wait six months for an engineering team to build it.
If we really want to make an impact, industry-wide, then we need to flip this model.
Introducing Custom Agents would allow underwriters and brokers to build their own AI assistants in minutes, without writing a single line of code.
Teaching Your “Secret Sauce”
Think of a Custom Agent as a junior apprentice. You wouldn’t just hire an apprentice and say “do insurance.” You would give them your specific playbook.
- “When looking at legal firms, always check for this specific exclusion.”
- “If the revenue is over £5m, draft a coverage letter that highlights these three benefits.”
Our approach means that you can now give these exact instructions to the AI. You can upload your own underwriting guidelines, your own policy wordings, or your own sales scripts as “knowledge sources.”
The AI then uses your logic to analyse the risk. It isn’t just a generic “Cowbell Agent” anymore; it is now an extension of your specific team.
From “User” to “Architect”
This shifts your role fundamentally. You stop being just a “user” of technology and become the architect of it.
For the broker, this is how you maintain your competitive edge in an AI world. You can build a “Construction Risk Agent” that knows exactly, for example, what questions to ask an SME building contractor in Birmingham. You can build a “Renewal Specialist” that drafts emails in your exact tone of voice.
You are scaling your expertise, not replacing it.
Accountability is Non-Negotiable
Crucially, this customisation must come with total control.
Every action your Custom Agent proposes – whether it’s a risk flag, a drafted email, or a pricing adjustment – is tracked. It cannot execute a decision without human approval unless you explicitly tell it to.
This is the ultimate “Human-in-the-Loop.” You aren’t just a passenger checking the GPS; you are the one drawing the map.
In the future, the winners in our market won’t be the ones with the best generic AI. It will be the ones who have best taught the AI to replicate their unique value.
