Concord

Concord for insurance agencies

Concord puts AI where it actually fits your agency — and never lets a bot confirm coverage.

You already run an AMS, a comparative rater, and a dozen carrier portals. The pain isn't missing software — it's the glue between systems: re-keying quotes, issuing certificates, chasing renewals nobody flagged. Concord maps your shop, finds the workflows where minutes get saved, and builds the AI with your team. A licensed human approves everything before it reaches a client. Done with you, from $499/mo.

8 min read

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The AI shift

A retirement wave is hollowing out the engine room. The average insurance agent is around 60, and roughly half the workforce is projected to retire over fifteen years — 400,000-plus open roles the channel can't fill. Narrow, dependable AI is finally good enough to absorb routine work, but the smallest independents — least able to evaluate it safely — are the ones getting left behind.

Your reality

Your commission is a thin slice of premium — about 11.5% on average — so the business is a retention game, not a volume game. Top agencies keep 93–95% of accounts; the industry average sits near 84%. Every hour a producer burns re-keying a quote is an hour not spent saving an at-risk renewal. No surprise 63% of agencies named operating efficiency their single most crucial path to success.

11.5%

Average P&C commission — a thin slice that makes retention the game

93–95%

Top-agency retention versus the 84% industry average

21x

Higher lead qualification odds when you respond within five minutes

~24

States that have adopted the NAIC AI Model Bulletin

Concord builds around the systems your agency already runs

Applied EpicVertaforeEZLynxHawkSoftACORD formsComparative raters

Sound familiar?

Every commercial submission is 45–90 minutes of re-keying the same applicant data into one carrier portal after another — and you're sure you're losing deals while you type.
You're never the first to call back. The lead sits in a shared inbox while a producer is mid-quote, and by the time anyone responds the prospect has already bound elsewhere.
Renewal season is a save-the-account fire drill — remarketing requests, carriers withdrawing, 15–25% rate hikes — and nobody knows which renewal is at risk until the angry call.
Certificates are a same-day deadline with a lawsuit attached: wrong limits, an additional insured who isn't actually covered, coverage confirmed on a policy that's been cancelled.
The account managers who quietly hold the servicing load together are aging out faster than you can hire.

Where AI fits

Call back first — without running a night shift.

A web or comparison-site lead lands while your producer is mid-quote, so it sits for hours. An AI intake agent acknowledges it in under two minutes, asks the qualifying questions — line, current carrier, renewal date, prior losses — books a call on the producer's calendar, and hands over a one-screen brief.

AI captures and qualifies the inbound lead, drafts a producer brief, and books the meeting on the calendar.

More bound leads at the same lead spend
No after-hours leakage
The producer walks in already briefed

Watch for: The producer runs the sale and the coverage recommendation — AI never quotes a price or binds · TCPA consent is verified before any auto-text · High-intent and complex leads route straight to a human

Best for: Personal-lines and small-commercial shops buying or generating web leads.

Save the renewal before the angry call.

Ninety days out, no one knows which accounts face a big rate increase or a carrier non-renewal. AI scans the book, ranks accounts by churn risk and commission at stake, and drafts the "here's the plan" outreach.

AI flags at-risk renewals, ranks them by commission exposure, and drafts personalized outreach for approval.

Protect commission on the book you already earned
Attack the 84%-to-93% retention gap
A chaotic season becomes a ranked worklist

Watch for: The account manager approves the at-risk list and every message before it sends · Consent is verified before any auto-text · Pricing and coverage advice stay with the producer

Best for: Agencies feeling the hard-market remarketing flood across a P&C book.

The phone stops going to voicemail.

When the line rings after 5pm or during a rush, the "I need a certificate for the job site now" caller goes to a competitor. An AI receptionist answers, handles the routine asks — auto ID card, policy number, standard COI — and warm-transfers high-intent or complex callers to a producer with context.

AI answers, resolves routine requests, and escalates anything coverage-related to a human with full context.

Captured calls instead of lost ones
Faster routine service
Producers freed for the conversations that pay

Watch for: Any coverage decision, claim, or non-standard request escalates to a human, never auto-resolved · Callers are told when AI is in use · Vendor ROI claims are treated skeptically, not promised

Best for: Shops losing same-day service calls outside staffed hours.

Stop re-keying applicant data.

A CSR re-types data off a prior dec page, a client-emailed ACORD, or loss runs into the rater and the AMS. AI extracts the fields, pre-populates both, and flags anything low-confidence for review.

AI reads dec pages, ACORD forms, and loss runs, pre-fills the AMS and rater, and surfaces low-confidence fields.

The data-entry tax shrinks
Fewer transcription errors into the system of record
The CSR reviews instead of types

Watch for: The CSR reviews flagged extractions before anything is submitted to a carrier · Nothing reaches a carrier unreviewed · Source documents stay on file for the audit trail

Best for: Commercial CSRs drowning in submission prep and renewal data entry.

Certificates out the door — the risky ones flagged.

Keying each certificate and checking holder requirements by hand, usually against a same-day deadline. AI reads the request, pulls policy data, generates the ACORD 25 or 28, and validates against the holder's requirements on file. Standard certs go out; non-standard ones route to a CSR exception queue.

AI drafts and validates the certificate, then splits standard from exception for review.

Same-day turnaround on routine certs
Less deadline scramble
The E&O-prone certs surfaced, not buried

Watch for: Any cert with an additional-insured endorsement or a coverage-limit confirmation is reviewed by a human · These are the exact items that drive certificate E&O claims · Cancelled or lapsed policies are never confirmed automatically

Best for: Contractor-heavy commercial books with high certificate volume.

Which carrier writes this risk? Answered in seconds, with citations.

Today, "who writes a roofer in Texas with prior losses?" means pinging the team or digging through guideline PDFs. AI searches your carrier appetite guides, underwriting manuals, and the AMS, and surfaces eligible markets with citations to the source.

AI runs grounded search across appetite guides, manuals, and the AMS, citing where each answer came from.

Faster market selection
Fewer wasted submissions
Institutional knowledge that doesn't retire with your veterans

Watch for: The producer verifies appetite against the live carrier portal before submitting · Guidelines change, so stale answers are flagged · Every answer carries a citation to its source

Best for: Commercial agencies juggling many carrier appetites across lines.

Safe to start vs. proceed with guardrails

Safe to start now

After-hours and overflow call capture for routine requests — auto ID cards, policy numbers, standard certificates
Extracting fields from dec pages, ACORD forms, and loss runs into a review queue
Drafting (not sending) renewal and remarketing outreach for human approval
Internal carrier-appetite and underwriting-guideline search with citations
Drafting the presentation layer of a multi-carrier proposal — the cover note, not the advice
New-business lead acknowledgment and meeting booking, with the producer running the sale

Proceed with guardrails

Confirming whether coverage is in force or what the limits are — coverage confirmation is a top E&O trigger, so keep it human
Any certificate with an additional-insured endorsement or special wording — exception queue, human sign-off
Anything that auto-dials or auto-texts a consumer — TCPA and Do-Not-Call apply to lead follow-up and renewal reminders
Anything touching benefits or health data — HIPAA applies
Anything that influences who gets quoted or at what price — the NAIC unfair-discrimination standard expects it to be explainable and human-reviewed; roughly 24 states have adopted the Model Bulletin
Multi-state outbound — each state's Department of Insurance has its own market-conduct rules

Why do it with us

Hire a consultant	High hourly rate and a long discovery deck	You're left to implement the binder yourself
Hire an AI engineer	A full-time cost in a market where you already can't hire	Doesn't know an endorsement from a dec page, or that confirming coverage is an E&O trigger
DIY on nights and weekends	Bolt a generic chatbot onto a stack that already answers the easy questions	One university study measured just 2.42 seconds saved per task
systemlevel.ai	A senior advisor who maps your shop and ships only what pays back, from $499/mo	Builds around your existing AMS — Applied, Vertafore, EZLynx, HawkSoft

The ROI that holds up is recovered producer and CSR hours redeployed to retention and new business, plus the leads you catch instead of lose — not headline figures.
Contacting a web lead within five minutes can yield roughly 21x higher qualification odds than waiting thirty, while the industry average is measured in hours. (Oldroyd, Lead Response Management Study, MIT Sloan / InsideSales.com)
Retention separates winners from the pack: 93–95% at top agencies versus about 84% industry average.
We measure in minutes saved across multi-system work — quoting, remarketing triage, certificate generation, after-hours capture — not seconds on a chatbot.

Questions you’re probably asking

AI will get coverage wrong and I'll get sued.: This is the real fear — failure to procure proper coverage is the most common source of P&C agent E&O claims, about 24% of them by one IIABA-member study. So Concord never makes or confirms a coverage decision. It drafts and extracts; a licensed human approves. We design the workflow so an AI error physically can't reach the insured unreviewed.
My clients want a person, not a bot.: Agreed, and the data backs you: nearly 90% of policyholders want agent involvement, and 85% want to be told when AI is in use. That's exactly how Concord is built — it runs behind the agent, never in front of the client. It clears the busywork so your people spend more time on the relationship that is the business.
It's a compliance minefield — privacy, TCPA, the new AI rules.: It is. State data-security laws, HIPAA on benefits, TCPA on outbound, and the NAIC AI Model Bulletin — adopted in roughly 24 states — expect a written AI program and explainable, human-reviewed decisions. We scope every workflow with security, consent, and that governance expectation considered before go-live, and we document the human-review controls regulators ask for.
I tried an AI chatbot and it saved me almost nothing.: Fair — one university study measured a generic agent chatbot saving just 2.42 seconds per task, about 48 seconds a day. That's precisely why Concord doesn't start with a generic chatbot. We map your workflows and target the multi-system, minutes-per-task work. We report recovered hours in plain numbers, and if a workflow doesn't pay back, we don't ship it.
I don't have time to learn another tool, and I wouldn't know where to start.: That's the point of done-with-you. We do the mapping, scoping, and build; you approve. There's no rip-and-replace of your AMS — we work alongside Applied, Vertafore, EZLynx, and HawkSoft, from $499/mo.

Pricing

Operator — $499/mo

Monthly strategy, your first workflows mapped and scoped — start with quoting prep or certificate generation — vendor and model recommendations, a read on your current stack (Applied, Vertafore, EZLynx, HawkSoft), and email support.

Best for: The agency that wants a clear, safe place to start.

Partner — $999/mo

Everything in Operator, plus bi-weekly working sessions, implementation guidance through deployment, architecture and integration review around your AMS, team training and prompt libraries for your producers and CSRs, and a direct line to unblock.

Best for: The agency ready to roll workflows out across the book.