Vortic is the AI workforce for P&C carrier underwriters writing direct authority: submission triage, portfolio concentration surfaced pre-bind, CAT response in minutes, and an audit-grade memo for every state DOI review — all inside SSO + VPC + BYOLM your security team will sign off on. No deck. No pilot. Working software on the systems your UW team already uses.
Built around the carrier UW decision sequence: triage the submission, surface portfolio impact, respond to CAT events in minutes, and hand the regulator an audit-grade memo. Each surface is a live product, not a roadmap promise.
Top-level workbench for adjusters and supervisors. FNOL parser, Coverage Analyst, Claim Memo writer — three agents that move a claim from broker email to adjudication memo in minutes. Reserve revision history, payment authority gating, statutory letters with state-specific UCSPA language, supervisor queue, and book insights.
Broker email, claimant voice transcript, portal form, or mobile photo upload — all into one structured FNOL. The acknowledgment letter dispatches 5 minutes after intake with state-specific UCSPA language; cancellable from the claim detail page during the undo window.
Coverage Analyst agent joins the FNOL against the linked bound risk and returns a decision with cited exclusions, deductible, limit remaining, and fraud flags. Refers rather than denies under uncertainty — denial without basis is bad-faith exposure under most state UCSPAs.
Live authority preview as the adjuster types the pay amount: $50k for adjuster / $250k for senior / $1M for supervisor. Over-authority disables the pay button and routes through refer-to-senior. Every decision lands on a claim_decisions row with snapshot of the agent outputs at decision time.
Six deterministic rules (rapid-post-bind tiers, round-loss, prior-similar by frequency, no-police-report by cause, high-value-low-doc, inception-to-loss-mismatch) plus an LLM narrative agent for witness contradictions and suspicious phrasing. Wired to real ISO ClaimSearch + NICB Forewarn API clients with mock fallback for preview. Cross-claim pattern matcher catches repeated claimants, attorneys, and repair-shop clusters across your own book.
Four high-volume states have cited statutory language baked in: Cal. Code Reg. § 2695.5(b) + § 2695.7(j), Fla. Stat. § 626.9541, 11 NYCRR 216.4(a), Tex. Ins. Code § 542.055 — each with the right DOI complaint phone number. RoR letters include the non-waiver language. Denials include appeal rights. Every letter is reviewable before send.
The same agent fabric your UWs use already extends to claims ops, policy admin, and compliance — so an enterprise rollout doesn't fork into four separate vendors.
Existing underwriting headcount writes more book — submission triage + cited memo lift the marginal capacity per FTE.
Concentration breach surfaced before bind on the breaching ZIP3. Real number, real customer, fewer mid-quarter treaty calls.
A hurricane is declared. The whole book is re-scored, treaty cession drafted, cedent letters templated — before the CAT call goes out.
Direct-authority bind decisions, submission triage, appetite gating, portfolio concentration pre-bind, CAT response, treaty cession, audit-grade memo.
FNOL voice + email triage, document intelligence, fraud flagging, coverage decisioning.
Endorsement drafting, plain-language coverage summaries, bind verification, renewal automation.
NAIC + state DOI rate-filing review pack, bordereaux generation, sanctions screening, KYC + UBO verification, auditable trace logs.
Submission / claim / endorsement / regulator query lands in your environment.
Vortic's parse agent extracts structured fields with cited confidence.
Specialist agents run in parallel — risk, flood, treaty, sanctions, compliance, claims-intel.
Synthesis agent writes a memo / claim file / endorsement / bordereau line.
Your underwriter, adjuster, or compliance reviewer confirms — every action is on the audit chain.
Send us a sanitised submission, claim, or renewal pack. We'll run it through Vortic and walk you through what the agents found — typically a 30-minute call with a solutions engineer who's worked the carrier UW desk.
founder@getvortic.com · we reply within one business day