Better Decisioning Built-in, Not Bolted On

The only AI-native platform that spans the full policy lifecycle and changes the way insurance work gets done.

“This is what software is meant to do; for those repetitive, systematic ways of thinking, we should write algorithms to do that, so that humans can do what they do best; manage portfolio and manage relationships.”

Dominic Grimaldi, Business Solutions Lead

Our Agentic AI creates complete, fully explained, on strategy quotes for underwriter review in minutes.

90%

reduction in systems used

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89%

reduction in time to quote

“By constantly iterating and improving our workflow with Federato, we’ve been able to 3.7x the percentage of our bound policies that meet our definition of high appetite, further extending our leadership in the markets we serve while building trust with our capital providers, customers, wholesale partners and employees.”

Rod Harden, President and Head of Operations

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3x

high-appetite quotes

30%

lift in high-appetite premiums

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“Prior to Federato, we had nine different systems throughout a submission process; we’ve consolidated that down to one.”

Adam Barnett, Chief Underwriting Officer

2x

submissions processed daily

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11%

increased hit ratio

Once, The Old Core Was The Solution. Now, It’s The Problem.

The Old Core is too patched together to use all your data, too brittle to support innovations in AI, and too slow to meet the needs of an industry facing rapid change.

The Old Core

Less than 25% of bound risk meets the insurance company’s strategy

Overwhelming submissions, no ability to act on the best deals until the underwriter gets to them.

Zero visibility into real-time changes in appetite and goal progress.

Patched-together legacy platforms and point solutions mean disconnected data, systems, and workflow.

Federato

Federato prevents strategy drift.

Agentic AI delivers thorough analysis and complete quotes to the underwriter for review within seconds.

Single pane of glass view of the entire workflow.

Total visibility into real-time changes in appetite and goal progress.

Remake Your Core Your Way

Get AI disruption wherever you need it and stability where you don’t. Wherever you are on your AI journey, we’ll help you reach your AI future at your own pace.

The only AI-native platform that spans the full policy lifecycle

“Lots of people are talking about Agentic AI as the future, but Federato is doing it now.”

Guru Vasudeva, SVP & CIO, Nationwide

Federato unlocks a new level of AI for the industry.

MATURITY LEVEL 01

FIFO

First in, first out. Mostly random manual review.

MATURITY LEVEL 02

Triage

Basic automated ranking, with manual follow-up.

MATURITY LEVEL 03

AI Decision Support

“Prepare a quote for this with a $15k deductible”

Once a triaged task is selected, AI tools provide decision support.

MATURITY LEVEL 04

Supervised AI Underwriting

“Automatically quote good deals for my review”

The system automatically drafts the best triaged deals and explains its reasoning. The underwriter adjusts for nuance and manages the relationship.

MATURITY LEVEL 05

True Agentic AI Underwriting

“Automatically quote the safest good deals within guardrails”

AI fully executes a subset of deals that clearly fit strategy according to predefined rules and guardrails.   Decisions are randomly audited by underwriters for quality control.

“Just one account with a better risk decisioning framework can pay for IT transformation for decades.”

Greg Puleo, Vice President, Digital Transformation

What Our Platform Delivers

Our platform was built by P&C and specialty insurance underwriters for underwriters.

It helps underwriters triage submissions, focus on the highest-value business, get real-time feedback and visibility at the portfolio level, and consolidate their workflows into a single, proven system.

"The rater that we created with Federato is a very important part of our underwriting system; it helps us get the premium we need.”

Adriana Cisneros, Head of Underwriting

Who we work with

Carriers

Dynamically optimize your portfolio in real-time to align with shifting appetites, and modernize your system in record time.

“When you consider that we’re putting out tens of millions of dollars’ worth of limit, just one account with a better risk decisioning framework can pay for IT transformation for decades. Multiply that across a portfolio and the potential return on Federato’s platform becomes abundantly clear.”

Greg Puleo, Vice President, Digital Transformation

MGAs

Federato’s AI-native platform spans the full policy lifecycle. We help MGAs sign more high-appetite business and never drift off strategy in execution.

“Federato has given us the ability to measure critical business metrics we simply couldn’t track before, and has really enabled our fundamental business strategy of being a data-centric MGA.”

Reid Spitz, CEO and Cofounder

MGA Aggregators

We help MGA Aggregators get better visibility into their programs, and reduce the costs of managing their portfolios.

“Federato is a great partner for any insurance company that is looking to truly innovate, and is looking to make their process much more modern and faster.”

Meloney Dillingham-Hudson, VP Operations & Program Management

Mutuals

With Federato, mutuals get a fast track to modern, efficient, tech- enabled underwriting, with the tools to build a profitable business mix.

“The transformation we expect to achieve with Federato will be vastly impactful on our operational efficiency. Our underwriters will be equipped with the tooling and data to quote and bind policies quickly and effectively, simultaneously improving our client experience and our bottom line.”

Nancy Newmister, CEO

“This is what software is meant to do; for those repetitive, systematic ways of thinking, we should write algorithms to do that, so that humans can do what they do best; manage portfolio and manage relationships.”

Our Agentic AI creates complete, fully explained, on strategy quotes for underwriter review in minutes.

90%

00%

89%

00%

3x

30%

00%

2x

00%

11%

Once, The Old Core Was The Solution. Now, It’s The Problem.

The Old Core

Overwhelming submissions, no ability to act on the best deals until the underwriter gets to them.

Zero visibility into real-time changes in appetite and goal progress.

Patched-together legacy platforms and point solutions mean disconnected data, systems, and workflow.

Federato

Agentic AI delivers thorough analysis and complete quotes to the underwriter for review within seconds.

Single pane of glass view of the entire workflow.

Total visibility into real-time changes in appetite and goal progress.

Remake Your Core Your Way

The only AI-native platform that spans the full policy lifecycle

“Lots of people are talking about Agentic AI as the future, but Federato is doing it now.”

“Prepare a quote for this with a $15k deductible”

“Automatically quote good deals for my review”

“Automatically quote the safest good deals within guardrails”

“Just one account with a better risk decisioning framework can pay for IT transformation for decades.”

What Our Platform Delivers

"​​The rater that we created with Federato is a very important part of our underwriting system; it helps us get the premium we need.”

Who we work with

Carriers

MGAs

MGA Aggregators

Mutuals

Dynamically optimize your portfolio in real-time to align with shifting appetites, and modernize your system in record time.

Federato’s AI-native platform spans the full policy lifecycle. We help MGAs sign more high-appetite business and never drift off strategy in execution.

“Federato has given us the ability to measure critical business metrics we simply couldn’t track before, and has really enabled our fundamental business strategy of being a data-centric MGA.”

We help MGA Aggregators get better visibility into their programs, and reduce the costs of managing their portfolios.

“Federato is a great partner for any insurance company that is looking to truly innovate, and is looking to make their process much more modern and faster.”

With Federato, mutuals get a fast track to modern, efficient, tech- enabled underwriting, with the tools to build a profitable business mix.

“The transformation we expect to achieve with Federato will be vastly impactful on our operational efficiency. Our underwriters will be equipped with the tooling and data to quote and bind policies quickly and effectively, simultaneously improving our client experience and our bottom line.”

Ready to get started?

"The rater that we created with Federato is a very important part of our underwriting system; it helps us get the premium we need.”