PolicyDesk AI is the AI workforce that turns a quote request from an agency into a submission-ready packet that carriers actually look at. The broker keeps their relationships and their judgment. The agents handle the volume.
The starting résumé
A working commercial broker with 10–15 years inside an independent agency. Knows submissions, renewals, ACORDs, loss runs, and the producer-ops choreography that no insurtech founder has ever lived through.
The AI workforce
- Submission Intake — pulls structured data from the broker's email, phone, and form intake
- Document Request — chases producers and prospects for the missing pieces
- Application Assembly — drafts the carrier-ready packet
- Producer Review — preps the broker's review queue with red-flagged inputs
Four agents. The broker stays in the approval loop on anything that goes to a carrier under their name.
The first customer
Almost always the broker's current or former agency. The pilot is a single producer pod inside that agency, sized to prove the packet quality before opening the spigot.
The numbers we model
| Path | Annual run-rate | Reasoning | | --- | --- | --- | | Conservative | ~$300k | A handful of niche agencies on $2,500/mo | | Expected | ~$1.5M | Steady niche expansion within one regional book | | Upside | ~$6M | National rollout via producer-to-producer trust |
Market size: roughly 36,000 independent agencies in the U.S. Addressable ARR ceiling: ~$1B before competition becomes the bottleneck.
The numbers above are modeled on category structure, not on a signed customer. Real operators set their own pricing, packaging, and pace.