Eleven capabilities. One brain.
//II + IX, the platform, end to end

Every answer your agency
already owns.

Coverage questions. Quote spreads. Compare diffs. ACORDs. Proposals. Case law.All cited. All defensible. All in the language and reading level the moment requires.

01Chat

Cited Q&A grounded in your policies, your house knowledge, and licensed industry libraries.

Ask any coverage question, carrier question, or workflow question. Every answer carries clickable citations to the document and page it came from. Multilingual (20 languages) with three reading levels: Everyday, Professional, Expert.

Replaces: Slack threads, hallway questions, and 'I think it's covered'.
Chat · The Intelligent Agent
Does the named insured's umbrella drop down for an auto liability claim if the personal auto policy is exhausted?

Yes, on this insured's policy. Your Personal Umbrella endorsement [1] follows form to the underlying Personal Auto liability limits of $250k/$500k/$100k. Once those are exhausted, the umbrella responds up to the $1M aggregate limit.

Coverage is subject to the SIR of $250 for non-underlying claims [2].

[1] Smith_PUP_2024.pdf p.4[2] PAL_Endorsement_22.pdf p.2
02Case Law search

Live legal research filtered to legal-domain sources, with [w] citation markers in the chat.

Coverage disputes need cases, not vibes. Case Law triggers automatically on legal questions and pulls from court opinions and verified legal sources, never from random blogs.

Replaces: Westlaw side-trips and unverified Google searches.
Chat · Case Law lookup
Has a Florida court ruled on whether faulty workmanship is a covered "occurrence" under a CGL?

Yes. Florida case law treats faulty workmanship itself as not an "occurrence," but resulting damage to other property can trigger coverage [w1]. The Florida Supreme Court addressed this in U.S. Fire Ins. Co. v. J.S.U.B., Inc., 979 So. 2d 871 (Fla. 2007) [w2].

[w1] casetext.com[w2] caselaw.findlaw.com

Sourced live from legal-domain web results. Not legal advice.

03Policy Compare

Side by side coverage diff between two policies, with material differences called out.

Drop in two PDFs. We diff coverages, limits, sublimits, exclusions, and endorsements. Differences are explained in plain English so a CSR or producer can act on them immediately.

Replaces: Highlighters, sticky notes, and an hour per comparison.
Policy Compare · Carrier A vs Carrier B
Travelers BOP
BI / PD$1M / $2M
Hired & non-owned autoIncluded
Cyber sublimit$50,000
Equipment breakdownExcluded
Hartford Spectrum
BI / PD$1M / $2M
Hired & non-owned autoBy endorsement
Cyber sublimit$250,000
Equipment breakdown$100,000 included
3 material differences detected. Hartford has 5x cyber sublimit and includes equipment breakdown. Travelers wins on auto endorsement defaults.
04Quote Showdown

Apples-to-apples carrier quote comparison, normalized to the same coverage tiers.

Quote Showdown takes raw carrier quotes and normalizes them so the price spread reflects real coverage differences, not packaging tricks.

Replaces: Four browser tabs and a spreadsheet.
Quote Showdown · Personal Auto, 2024 RAV4
Carrier6mo PremiumBI LimitsDeductibles
Progressive$847100/300$500/$500
Safeco$921100/300$500/$500
Travelers$988250/500$1k/$1k
Allstate$1,104100/300$250/$500
Travelers has higher BI limits, which explains $141 of the spread vs Progressive at the same coverage tier.
05Proposal Builder

Branded client proposals, generated in minutes, with citations baked in.

Pull from bound policies, your house knowledge, and your brand. Share via secure link or PDF export. Disclaimers and E&O language injected automatically.

Replaces: An InDesign template and 90 minutes per renewal.
Proposal Builder · Acme Manufacturing
2025 Renewal Proposal
Prepared for Acme Manufacturing • Branded
Cited
General Liability
$2M / $4M
Property
$8.4M Bldg
Workers Comp
Statutory
Auto Fleet
$1M CSL
Umbrella
$10M
Cyber
$1M
Premium summary, coverage narrative, and source citations auto-generated from your bound policies.
06ACORD Filler

ACORD 25, 27, 28 pre-filled from your bound policy data, ready for review and signature.

From COI request to issued certificate in two minutes instead of twenty. Audit trail on every certificate.

Replaces: Manual ACORD entry and the typo that becomes an E&O claim.
ACORD 25 · Certificate of Liability
Producer
Riverbend Insurance Agency
Insured
Acme Manufacturing, LLC
Certificate Holder
Lakeside Property Mgmt
Effective
01/15/2025
AGL · Each Occ$1,000,000
AGL · General Agg$2,000,000
BAuto · CSL$1,000,000
CUmbrella$5,000,000
DWorkers CompStatutory
Pre-filled from bound policies. Ready for review and signature.
07Branded Chat

Embed your agency's chat for client-facing use, with your logo, fonts, and disclaimers.

Let clients self-serve coverage questions on your site. Every answer cites the source so clients see it came from their actual policy, not a generic chatbot.

Replaces: After-hours phone tag.
riverbendinsurance.com · Ask our team
R
Riverbend Insurance
Ask anything about your policy
Am I covered if a tree falls on my fence?

Yes, fences are covered as Other Structures (Coverage B) on your HO-3 with Travelers [1]. Your deductible is $1,000 and Coverage B limit is $25,000.

[1] Your_HO3_Policy.pdf p.6
Cited from your bound policy. Riverbend Insurance, license #FL-A123456.
08Knowledge Base - every line of business

Stacked across Commercial, Personal, Bonds & Surety, Farm & Ranch, and Employee Benefits - plus court cases and real claim case studies.

ISO and AAIS forms libraries, carrier appetite, state regulations, court opinions, and a curated case-study library by line of business. Drop in your own policies, endorsements, SOPs, and carrier guidelines and we index them right alongside.

Replaces: A shared drive nobody searches and four browser tabs of Westlaw.
ISO and AAIS forms libraries, carrier appetite, state regulations, court opinions, and a curated case-study library by line of business. Drop in your own policies, endorsements, SOPs, and carrier guidelines and we index them right alongside.
09Multilingual + answer styles

20 languages and three styles (Everyday, Professional, Expert), per-user and per-conversation.

Answer a Spanish-speaking client at a 6th-grade reading level, then turn around and brief a coverage attorney in Expert mode. Same brain, right voice.

Replaces: Translation costs and tone mismatches.
Answer a Spanish-speaking client at a 6th-grade reading level, then turn around and brief a coverage attorney in Expert mode. Same brain, right voice.
10PII redaction + roles

PII (SSN, CC, DOB, EIN, phone) is masked in chat logs by default. Per-org admin controls.

The model sees raw text in flight, but stored logs are redacted unless an admin opts otherwise. Roles, sharing, and audit are tenant-scoped.

Replaces: The 'we'll deal with compliance later' email thread.
The model sees raw text in flight, but stored logs are redacted unless an admin opts otherwise. Roles, sharing, and audit are tenant-scoped.
11Audit + history

Every chat, every proposal, every certificate has a full audit trail.

Hand it to your E&O carrier without flinching.

Replaces: Screenshots and best guesses.
Hand it to your E&O carrier without flinching.