Carriers

Grow premium without sacrificing profitability

Move quickly with precision to turn portfolio strategy into tangible results across every line, segment, and distribution partner.

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“Federato’s AI-native, outcomes-oriented platform aligns with our business objectives to give our underwriters a unified, real-time view of disparate internal and third-party data to consistently evaluate, price, and bind individual accounts.”

The platform that scales your expertise
Mitigate risk across the portfolio

Leverage connected insights across underwriting, billing, and claims to detect emerging risks and portfolio drift before they become costly problems that impact your combined ratio.

5.5x
more high-appetite business bound
Grow premium where it matters most

Direct capacity swiftly to the right partners, segments, and geographies so you can grow premium faster than competitors without sacrificing portfolio quality.

2x
submissions processed daily per underwriter
Turn portfolio discipline into a capital advantage

Give reinsurers and capital partners transparent, data-backed performance narratives that strengthen negotiating leverage.

10%
lower reinsurance cost for same coverage as competition
Federato redefines
high performance
“Lots of people are talking about Agentic AI as the future, but Federato is doing it now.”
“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.”
“​​You've got to understand insurance and AI and you have to be human.”
1/3
Scale strategic discipline with a fully agentic platform
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FIFO

“I analyze submissions in the order they arrive.”

Triage

“I can see which deals might be a good fit, and I work on those first.”

AI Decision Support

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

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

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.

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.

Why insurers can’t trust the Old Core

This guide gives you a management-ready framework to explain why the Old Core can’t be trusted anymore, and why transforming to an AI-native insurance platform is the solution.

Read now

Smarter, faster growth starts here

See how Federato helps insurers prioritize, quote, and steer the business in one unified workflow.

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Frequently asked questions

01
Is Federato suitable for carriers with complex distribution networks?

Yes. Federato gives you real-time visibility across MGAs, agents, and brokers, so you can direct capacity to the partners, segments, and geographies generating the best returns. You can also manage complex operations such as billing and claims across distribution partners while maintaining a single source of truth.

02
Can Federato manage multi-line and complex carrier portfolios?

Yes. Federato handles diverse portfolios, including personal, commercial, and specialty lines. Its real-time tracking, analytics, and risk insights ensure alignment with the portfolio and business strategy and support informed decision-making across all lines of business.

03
How quickly can Federato be deployed?

Implementation timelines vary by program complexity, but Federato can be deployed in as few as 8 weeks. Our team works hand-in-hand with you to configure the platform to your appetite and guidelines, with no added implementation or service fees.

04
How does Federato work with my existing technology stack?

Federato can interface with your current systems through a federated data layer, extracting value from legacy data without disrupting operations. For carriers seeking the full benefit of an AI-native platform that spans the full policy lifecycle, Federato can also serve as a foundation to modernize systems, with phased adoption by line of business and full control over your data.