End-to-End Pipeline
Six Stages. Fully Orchestrated.
Human Gates Where It Matters.
Every submission flows through a structured pipeline where AI handles the heavy lifting and licensed professionals make the final calls.
Intake
Parses SOV spreadsheets with intelligent column mapping and auto-header detection. Extracts property data from ACORD forms, loss runs, and engineering reports. Geocodes every location and indexes them spatially.
Broker uploads documents and reviews extracted data.
Score
PigeonNet runs portfolio-level catastrophe analysis — expected annual loss, exceedance probability curves at 6 return periods, burn probability per location. AI evaluates appetite on a 0–100 scale with typed flags and conditions.
Underwriter reviews referrals where AI flags risk.
Quote
Calculates premium from PigeonNet loss costs with loading factor. Computes state-specific surplus lines tax and stamping fees. Generates professional quote letter with subjectivities.
Underwriter can adjust terms before release.
Bind
Runs full compliance check: classifies insured per California statute, validates diligent search declinations, generates surplus lines disclosures, verifies binding authority limits.
Underwriter approves bind. Insured signs disclosure.
Manage
Auto-generates invoices with tax breakdown. Tracks policy lifecycle — activation, expiration, renewal reminders. Processes claim FNOL with SLA tracking. Assigns adjusters. Monitors reserves.
Adjusters investigate. Admins review trust reconciliation.
Comply
Prepares surplus lines filings with AI validation. Runs quarterly bias tests. Monitors license expirations. Generates DOI response letters. Tracks complaint SLAs.
Compliance officer reviews filings. Admin approves DOI responses.
