Now that football season is in full swing, all eyes are turned to the gridiron. When you think about it, insurance and football have a lot in common (and not just because every other ad during football telecasts is about “mayhem” or geckos...) Both operate in fast-paced environments and work from complex playbooks. And both experience intense bursts of action followed by quieter periods.
Unlike a football squad that can only field 11 players at a time, insurance teams can expand operational capacity in crunch time (and build for the future) by drafting insurance AI agents. With proven use cases across all phases of the game, AI lets you run up the score to reduce backlogs and deliver outstanding service.
Let’s meet your AI-powered starting lineup!
Your Offensive Squad: Insurance AI for Underwriting
Underwriting teams act as your offense – actively pursuing new business opportunities and securing victories through revenue growth. AI transforms your underwriting game plan by expanding your underwriting team's capacity to capitalize on opportunities, deliver rapid quotes, and consistently (and profitably) bind more business.
Submissions Intake = Quarterback
Orchestrating the plays from the snap, AI monitors for new submissions across all sources, classifies and routes requests intelligently, extracts data automatically, and populates your underwriting and rating systems. When application volume surges, your intelligent AI QB keeps drives alive to deliver more quotes faster.
Loss Run Processing = Offensive Line
Providing the foundation for smart decision-making, AI analyzes exposure and loss history, extracts loss data with precision, and populates data in your underwriting system and workbench software. AI helps underwriters protect their “blindside” and save time, giving them instant access to critical information so they can deliver faster, more accurate quotes – especially during peak renewal periods.
Supplemental Application Processing = Running Back
Always finding ways to keep you moving toward the “bind” goal line, AI analyzes application details, extracts data, and populates systems automatically. When the team faces heavy application loads, AI keeps things flowing to prevent stalled drives.
Schedules and SOV Processing = Passing Attack
Upgrade your offense with rapid automated analysis of employee benefits, statements of value, vehicles, and property. As detailed schedules flood in during complex renewals, AI counters the blitz to ensure quick turnarounds with no missed details.
Your Defensive Unit: Insurance AI for Claims
There’s an old saying, “Defense wins championships.” It’s about protecting what you've built and responding effectively when challenged. Your claims operation is like a skilled defensive squad – safeguarding company assets while delivering responsive service when your customers need it most. Here are some ways AI strengthens these critical capabilities on every play:
Claims Indexing = Defensive Coordinator
Organizing the field to ensure proper positioning, AI monitors for claims files, classifies claims documents automatically, routes files to the right unit, and flags duplicate files to prevent confusion in the huddle. When catastrophic events create massive claim volumes, your empowered organization keeps its defense aligned and responsive.
FNOL/FROI Setup = Linebackers
Making quick reads and immediate responses, AI identifies FNOL and FROI requests, extracts key data instantly, looks for existing claims to prevent duplicates, and creates new claim files automatically. During CAT season when first notices pour in around the clock, this rapid response unit keeps claims volume in check.
Claims Handling = Defensive Backs
Covering complex situations with skill and precision, AI classifies and routes claims documents to the appropriate human expert, extracts key claims data and populates systems, sets initial reserves based on predictive analysis, and completes diary and claims file updates. This comprehensive coverage ensures no claim details are missed when the going gets tough.
Legal Demands Processing = Pass Rush Specialist
Finding threats and responding with urgency, AI identifies legal requests quickly, accurately extracts key legal data, and alerts adjusters to time-sensitive requests that could impact claim outcomes. When litigation pressure mounts, AI demand package processing blitzes potentially costly response delays.
Your Special Teams: Insurance AI for Policy Servicing Operations
Special teams handle crucial situational plays that determine game outcomes. Your policy servicing operations are the special teams unit that manages essential administrative functions, keeping policies in force and customers satisfied. AI helps your special teams routinely perform the impossible through precise attention to detail and near-flawless execution.
Premium audit processing delivers reliable results when precision counts most. AI efficiently performs premium audits with 98% accuracy, automatically classifying audit documents, extracting audit data, and populating systems seamlessly. When volume spikes during audit seasons, AI expands capacity by automating requests for missing data and maintaining audit schedules without additional headcount.
Certificate of Insurance (COI) creation provides a consistent operational advantage through round-the-clock availability. AI monitors for COI requests 24/7, extracts policy details accurately, and automates COI creation continuously. When agents and policyholders need certificates immediately – especially during busy construction season – AI delivers fast, accurate responses that maintain service levels.
Endorsement processing handles policy transitions smoothly and efficiently. AI monitors email for policy change requests, identifies lines of business, extracts change request types and data, then processes requests automatically. During peak periods when policy modifications surge, this automation prevents bottlenecks in policy servicing.
Invoice payment processing ensures financial precision with consistent accuracy. AI handles invoice processing with the same disciplined execution as your other special teams functions. It automatically identifies invoices in emails and attachments, extracts critical data points (such as vendor name and FEIN #), and routes them for secure payment according to customizable authority levels. During peak volumes, AI prevents backlogs by updating diary notes across claims systems, ensuring timely payments and maintaining strong vendor relationships through accurate, reliable documentation.
Make Insurance AI Your Winning Strategy
Insurance AI lets you keep your best human experts on the field to focus on exceptions, complex decision-making, and delivering the high-touch service your customers expect. By eliminating repetitive, manual tasks, AI reduces the need for temporary staffing or BPO support, even during peak season. Once trained, AI scales effortlessly with workload, allowing operations to adapt quickly and maintain momentum under pressure.
Your complete AI team works together season-long to handle any situation. Whether facing renewal rushes, CAT claim blitzes, or administrative surges, AI means you’re not just competing – you're leading the pack by turning operational challenges into winning advantages.
Ready to draft your own AI starting lineup? Download our Insurance AI Implementation Checklist to put your game plan into action.