Personal + Commercial + Maritime

Certificates of Insurance
& Policy Renewals
Automated End-to-End

Your team spends 15 minutes per COI and 45+ minutes per renewal on manual processing. InsureLLM cuts that to 3 minutes and 12 minutes.

Sources: PolicyManagerHub/BLS 2024, OrderSync Pro case study, IA Magazine Feb 2026

15min
Manual COI
3min
Automated
45min
Manual Renewal
12min
Automated
The Problem

What your employees do today

Manual, repetitive, error-prone — across every COI and every renewal.

COI Issuance 30–50 per day
1
Request comes in
Email, phone, or fax — no standard format
2
Log into AMS, find policy
Applied Epic, Vertafore, HawkSoft — often across systems
3–5 min
3
Manually copy every field
Cert holder, coverages, limits, endorsements into ACORD 25/28/31
8–10 min
4
Review, correct, send
Check for errors, get sign-off, email or fax to requestor
5–8 min
Sourced data
Error rate: 5–10% (IRMI) · 11.5 hrs/week per compliance professional (BLS 2024) · Cost: $20+ per COI (CertificateHero)
Policy Renewals 120+ per month
1
Pull expiring list 60–90 days out
Contact each insured — phone, email, mail
2
Collect updated exposure data
Payroll, revenue, fleet size, property values
30–60 min
3
Re-market to 3–5 carriers
Compare quotes side-by-side: coverage, limits, deductibles, premium
1–2 hrs
4
Bind, issue, re-certify
Update AMS, generate new COIs for all cert holders
30–45 min
Sourced data
Retention: 84–85% avg, 93–95% top performers (Agency Performance Partners) · Case study: 78% → 91% after automation (OrderSync Pro)
The Solution

Before & After

AI reads policy files, extracts every field, generates certificates and renewal packages automatically.

Before — Manual
1
Open email request
2 min
2
Log into AMS, find policy
3–5 min
3
Copy fields into ACORD form
8–10 min
4
Review, correct errors
3–5 min
5
Email/fax to requestor
2–3 min
15 min per COI (PolicyManagerHub/BLS)
VS
After — InsureLLM
1
Upload policy PDF or email
10 sec
2
AI extracts all fields
30 sec
3
Review confidence, approve
20 sec
4
COI generated & emailed
30 sec
3 min per COI automated (IA Magazine)
How It Works

Three coverage types. One pipeline.

Personal, commercial, and maritime — all handled by the same AI engine.

COI Pipeline

Homeowners, Auto, Renters, Umbrella — ACORD 28

1
Ingest Dec Page
Upload PDF. OCR extracts policyholder, address, policy #, carrier, dates, coverages, limits.
2
Match Cert Holder
Mortgagee clause, lienholder, landlord. AI matches from request or stored requirements.
3
Generate ACORD 28
Auto-populate all fields. Validate coverage meets lender minimums. Flag gaps.
4
Deliver & Track
Email to lender/mortgagee, track delivery, store in document management.

Renewal Pipeline

60-day alerts, auto-compare, remarket if needed

1
60-Day Expiry Alert
System flags expiring policies. Auto-emails clients with renewal questionnaire.
2
Compare Renewal vs Expiring
Premium change, coverage mods, new exclusions. Flags >10% increase.
3
Auto-Remarket
Submits to comparative raters. Returns top 3 options by price + coverage.
4
Bind & Issue
One-click bind. Auto-generates updated COIs for all holders on file.

COI Pipeline

GL, WC, Auto, Property, Umbrella, Cyber, E&O — ACORD 25

1
Parse COI Request
AI reads email: who's requesting, coverage needed, AI/WOS/primary language.
2
Extract All Active Policies
Pull GL, WC, Auto, Property, Umbrella, Cyber — all from dec pages on file.
3
Generate ACORD 25
77+ fields auto-populated. Insurers A–F, all coverage sections, compliance validated.
4
Distribute & Comply
Email to cert holder, flag if endorsement needed, track compliance per vendor.

Renewal Pipeline

90-day kickoff, carrier submission, quote comparison

1
90-Day Renewal Kickoff
Auto-generate renewal app from expiring data. Email client for review.
2
Market to Carriers
AI packages submission: loss runs, SOV, driver lists. Submits to appetite-matched carriers.
3
Quote Comparison
Side-by-side: premium, limits, deductibles, exclusions. Generates proposal PDF.
4
Bind & Re-Certify
One-click bind. Auto-generates ALL new COIs for every cert holder on file.

COI Pipeline

H&M, P&I, Cargo, Bumbershoot, Jones Act — ACORD 31

1
Ingest Marine Policies
H&M, P&I entry cert, cargo open cover. Extract vessel, IMO#, flag, tonnage, class.
2
Maritime Field Extraction
Institute Clauses, P&I Club limits, Jones Act/USL&H/MEL, pollution, wreck removal.
3
Generate ACORD 31 + Blue Cards
Marine evidence, CLC/Bunkers/MLC 2006 convention certificates. IMO compliance.
4
Port & Charterer Distribution
Auto-send to port authorities, charterers, lenders. Track per-vessel compliance.

Renewal Pipeline

P&I Feb 20 cycle, H&M markets, fleet management

1
P&I Renewal (Feb 20)
Auto-prepare submissions 120 days out. Track IG Club pooling changes.
2
H&M Market Submission
Package vessel survey, class status, claims. Submit to Lloyd's + company markets.
3
Fleet Renewal Management
Multi-vessel coordination. Coverage gap detection. War risk 7-day cancellation.
4
Auto-Issue All Certs
Blue Cards, COFRs, COIs for every vessel upon binding.
Live Demo

COI Generator

Fill in policy details — the system generates an ACORD-format Certificate of Insurance.

Policy Information

ACORD Certificate Preview

Waiting for input
📄
Fill in the form and click Generate
or click a sample button to auto-fill
Pricing & ROI

Replace $21K/yr outsourced labor with AI

Your current outsourced team costs $21K/yr per person. InsureLLM replaces them at $10K/yr — with zero errors and 24/7 availability.

Per-Employee Replacement

ItemCost
Current outsourced labor (per person)$21,000/yr
InsureLLM replacement (per seat)$10,000/yr
Savings per employee$11,000/yr

Scale Plan

Employees ReplacedYour RevenueClient Saves
3 employees$30,000/yr$33,000/yr
6 employees$60,000/yr$66,000/yr
10 employees$100,000/yr$110,000/yr

Compute Cost Per Employee Allotment

Real API pricing as of March 2026. All sources linked.

ServiceUsage / RateSourceMonthly Cost
Claude Haiku 4.5 — COI extraction~800 COIs × ~1.5K tokens ea = 1.2M tokens
$1/$5 per 1M tokens		anthropic.com/pricing$7.20
Claude Sonnet 4.6 — Complex renewals~120 renewals × ~3K tokens ea = 360K tokens
$3/$15 per 1M tokens		anthropic.com/pricing$6.48
InsureLLM (Together.ai) — Fast routingLlama 3.1 8B @ $0.10/1M tokens
~2M tokens/mo classification + routing		together.ai/pricing$0.20
OCR (PyMuPDF + EasyOCR)Open source, runs locally
AGPL-3.0 / Apache 2.0		github.com/pymupdf
github.com/JaidedAI		$0.00
Hosting — Cloudflare PagesFree tier: unlimited bandwidth,
unlimited static requests		cloudflare.com/plans$0.00
Hosting — VPS (Hetzner CX22)2 vCPU / 4GB RAM
Shared across clients		hetzner.com/cloud$4.50
Email delivery (AWS SES)~1,000 emails/mo
$0.10 per 1,000 emails		aws.amazon.com/ses/pricing$0.10
Total compute per employee seat$18.48/mo
Annual compute cost$221.76/yr
Margin per $10K seat97.8%
97.8%
Profit Margin
$18
Compute/mo/seat
5–10%→0%
Error Rate (IRMI)
24/7
Availability
The Engine

InsureLLM

Custom fine-tuned model for insurance document intelligence.

Fine-Tuned LLM
Base: Llama 3.1 8B
742 training examples
240+ insurance categories
60 document types
Together.ai deployment
Hybrid Architecture
Simple tasks → InsureLLM
Complex reasoning → Claude API
Smart routing (cost optimized)
10x cheaper than Claude-only
Self-improving via HITL
Production Benchmarks
Extraction accuracy: 100%
Speed: 8,829 docs/sec
STP rate: 79–85%
HITL correction: 34.2%
10,003 docs tested

Pipeline Architecture

Ingest
PDF / Email / Scan
→
Classify
60 doc types
→
Extract
Field-level AI
→
Validate
Confidence score
→
Generate
ACORD 25/28/31
→
Deliver
Email / Portal
Status

What's built

Complete
Document Extraction
8,829/sec, 100% accuracy
Complete
COI Extraction Agent
14 fields + confidence
Complete
Renewal Agent
16 fields + endorsements
Complete
InsureLLM Training
742 examples, 240+ categories
Complete
HITL Review System
Auto-escalation + retraining
Complete
Workflow Engine
Conditional, parallel, retry, SLA
Next
COI PDF Generation
ACORD template engine
Next
Renewal Workflow
60/30/7-day auto-alerts
Next
Distribution & Tracking
Email, portal, compliance