Bring the full policy lifecycle onto a single AI-native platform, from submission intake and quoting through policy servicing and renewals. Every transaction updates the same policy record, so teams always work from a single source of truth.
The Old Core makes you hunt for details across fragmented systems. Federato’s AI-native foundation carries context across the lifecycle, so intelligence compounds over time.
Focus your team on the opportunities that matter most, and accelerate growth across your book.
Make confident pricing decisions and keep every change accounted for, so you protect the value of every policy you write.
See what happened and why, so you can confidently demonstrate strong performance to external stakeholders.
Not every submission deserves your attention. AI automatically ingests and triages submissions against eligibility, appetite, and rating criteria, then produces a first-draft quote within minutes for the best-fit deals.
Keep every policy change aligned and moving to the next step at the right time. The full policy history carries into renewal, with no re-entry required.
Automatically reconcile out-of-sequence endorsements, reapply affected changes, and recalculate premium so the policy stays accurate as updates come in.
Don’t build policy workflows from scratch. Start with preconfigured flows and automations for common policy actions, then tailor additional rules and handoffs to fit your business.
See how the book is performing and where exposure is changing, so your portfolio stays on strategy. Emerging patterns surface early, giving you time to act before they impact results.
See how Federato helps teams prioritize, quote, and steer the business in one unified workflow.
Policy Administration brings the full policy lifecycle onto a single AI-native platform, from submission intake and quoting through policy servicing and renewals. Every transaction updates the same policy record, so underwriting and servicing teams always work from a single source of truth.
Federato automates submission intake and submission triage by scoring every submission as it arrives using your underwriting appetite, portfolio strategy, and risk characteristics. High-fit opportunities rise to the top, helping underwriters focus on the business they're most likely to write.
Federato reduces quote turnaround time by automating submission intake, eliminating manual re-keying, prioritizing high-value submissions, and generating a quote draft for underwriter review. Underwriters spend less time on administrative work and more time evaluating risk.
Yes. Federato generates a draft quote for review, but underwriters remain in control. Every recommendation and quote can be reviewed, edited, and approved before it is sent.
Federato supports the full post-bind policy lifecycle, including endorsements, renewals, cancellations, reinstatements, non-renewals, premium audits, and other policy servicing transactions.
Federato automatically reconciles out-of-sequence endorsements, ensuring policy history remains accurate regardless of when changes are applied. Every policy change is reflected without manual reconciliation or workarounds.
Renewals automatically carry forward changes made throughout the policy term—including endorsements, coverage updates, and cancellations—so every renewal begins from the current in-force policy.
Yes. Federato provides standardized policy lifecycle workflows while allowing insurers to configure statuses, routing rules, approvals, and automation for each program without custom development.
When submission intake, underwriting, and policy servicing all run on the same AI-native platform, every policy change stays synchronized throughout the policy lifecycle. Teams spend less time reconciling data and more time making informed underwriting decisions.
Federato supports complex commercial and specialty risks natively, including complex risk hierarchies, coinsurance, and layered risk programs. Federato also provides audit trails for AI-driven quotes across new business, endorsement, and renewals, so every decision is traceable and auditable.
