The only
AI-native core
AI-native core
Because the way insurance gets done is overdue for an upgrade.
Organically built with continuous feedback loops across the full policy lifecycle
5.5x
increase in high-appetite bound policies
93%
fewer systems used
90%
of referrals automated
“This is what AI 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
Business Solutions Lead
Federato is the only AI-native core
Every decision improves the next
Bring your business onto a single AI-native core, so every transaction updates the same policy record and teams always work from a single source of truth.
No billing firefighting over mid-cycle changes
Every change cascades automatically. Policy updates, premiums, fees, and commissions all recalculate in real time, eliminating the back office headache you thought would never end.
Make your business smarter with every claim
Claims shouldn’t be the end of the lifecycle. Run claims end to end and turn live decisions into real-time strategy input.
Launch a new product, anytime
Product Studio puts ratings, forms, and eligibility in one place. Stop rebuilding the same product six ways and go straight to market instead.
Steer your portfolio in real time
Embed your portfolio strategy into live Agentic AI guardrails that shape every submission decision. End strategy drift, and double down on what’s working. While your competitors wait for the next QBR to adjust, you keep racing ahead.
Turn your partners into power users
Quotes, policies, commissions, payments, coverage, and claims. All live, all in one place, so brokers can grow the book and policyholders keep coming back.
"Most people would think that this is mutually exclusive. You can either make better decisions, or you can make decisions faster, but with this technology, this platform, with this foundation, I really believe that we can be doing both at the exact same time."
Adam Barnett
CEO, HDVI
CEO, HDVI
Built for better execution across the full policy lifecycle
AI that's built in, not bolted on
Agentic workflows take on the operational load at every stage. Models get sharper with every decision your team makes, and every recommendation stays fully auditable.
A living map of how your team executes
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Models that get sharper the longer they run
Built-in audit trail, without extra documentation
Go live in weeks, not months
Make configuration self-serve and version-controlled so new programs launch without vendor cycles, and updates don't create downstream surprises. Every change is tracked and every impact is visible before deployment.
AI-assisted mapping and configuration workspace
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Clear field requirements and data structure
Version tracking and change history
Steer the book as it forms
Embed your targets, guardrails, and portfolio context directly into live workflows so growth and margin are shaped in real time, not corrected after the quarter closes.
Live portfolio performance against your targets
Guardrails that stay active past submission
A record that connects intent to results
Quit fumbling and find your flow
Unify data, decisions, and next steps in a single active workspace so teams move faster, act with confidence, and continuously improve execution across the lifecycle.
Native integrations and automation
Persistent account detail and history
Pre-built templates and reusable configurations
Enterprise-grade security
Federato is built to protect sensitive insurance data while keeping it accessible to the teams that rely on it. Enterprise-grade security, controlled access, and continuous monitoring ensure data remains safe, reliable, and available.
Drive better business outcomes across the full policy lifecycle
Frequently asked questions
01
Why should I replace my legacy core with Federato?
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. Federato is the only AI-native core system built to drive better business outcomes across the full policy lifecycle.
02
How long does it take to implement Federato?
Our first implementation typically takes 12-16 weeks, with each successive line of business averaging around 8 weeks after that. Our team works closely with your organization to configure workflows, connect data sources, and get teams productive quickly.
03
What is an AI-native insurance platform?
Most insurance platforms have added AI on top of systems that were never designed for it, meaning the models are generic, the data pipelines are an afterthought, and the outputs sit outside the workflows where your team actually makes decisions. Federato was built from day one around AI, meaning the models are trained on insurance-specific data, embedded directly into your workflows, and get smarter with every policy written. The difference shows up in outcomes: AI that actually reflects how your book performs, not generic models your underwriters learn to ignore.
Federato is the only AI-native core system that drives better business outcomes.
04
How is Federato agentic AI different?
The Old Core limits you to AI-enabled Robotic Process Automation and table stakes co-pilot capabilities inside legacy workflows. But a 10% gain is not as good as a 10X outcome. Because our core is AI-native, agents have all the context, tools, and power to deliver the transformative gains AI insurers now demand.
05
What unique results can an AI-native core really deliver?
Federato transforms how insurance work gets done to drive better business outcomes. Quote more, win more, and stay aligned to your risk appetite by dramatically reducing quote and bind cycle times and simultaneously reducing costly technical debt. These outcomes have a material impact on board-level metrics like combined ratio, AM Best credit rating, return on equity, speed to market in months, not years.
See Federato in action