Marzal Labs
For MGAs
More premium per underwriter, same team
- Submissions sorted the moment they land
- Underwriters focus on judgement, not admin
- Consistent appetite across every desk
AI decision support for insurers, MGAs and brokers
Intelligence from AI.
Decisions by people.
Every submission read, checked and sorted the moment it lands; every decision made by your people.
✓ Speaks MRC slips, binders and bordereaux✓ Runs alongside your PAS — nothing to rip out✓ Underwriters review and own every decision
Six desks. One clean line from broker email to bound policy and claim.
Start with the desk that hurts most. Each one finishes a complete job — and they share one record, so nothing is keyed twice.
Submission Desk
From broker email to quote-ready, with your underwriter making the call. Quote the broker today: The 18 clean risks, before 09:00.
Appetite Check
Your appetite and authority rules on every risk; above the limit, Approve becomes Refer. Authority, applied every time: Above the limit, Approve becomes Refer.
SOV Add-ons
Schedules cleaned, geocoded and zoned before anyone prices them. A clean SoV before pricing: Hours of cleaning off each submission.
Policy Document Prep
Schedules, wordings and endorsements drafted from the bound record. Checked before issue: Mismatches caught, not disputed at claim.
Bordereaux Desk
Every bordereau checked against the binder the day it arrives. Breaches found this month: Not at audit.
Claims Desk
Every notification matched to the policy and checked for cover as it lands. Simple claims, settled fast: Handlers on the complex ones.
Four steps from submission to a signed decision.
Agents gather every document and pull the data from your systems. Decision Intelligence weighs the risk against your appetite, authority and rules. Your people see the reasons, evidence and confidence, then accept, override or refer.
What each agent hands your team
Choose an agent to see what arrives, what it does, and what your underwriters get back.
Comes inBroker email with four attachments
Intake Agent
Your team gets
- InsuredCalder Freight Ltd · MRC slip, page 198%
- Total insured valueUSD 22m · SoV, 412 rows95%
- Loss record5 years, 2 claims · loss run, page 291%
- DeductibleNot in the documents · asked of the brokerNot found
Illustrative · sample data
Intake Agent
Any broker format in. One clean record out.
Watches the broker inbox, classifies every attachment — MRC slip, SoV, loss run, survey — and extracts the facts your underwriters need into your own schema.
- Every broker format turned into your standard template
- A confidence score on every figure — unclear items flagged, never guessed
- Each fact linked back to the page it came from
Comes in31 submissions since 07:00
Triage Agent
Your team gets
- Halcyon Bulk CarriersMarine Hull · USD 182mFits appetite
- Aster OffshoreOffshore Energy · line size above your authorityRefer
- Meridian Cold StoresRenewal · TIV up 18% on last yearRefer
- Northgate HoldingsD&O · broker reply draftedOutside appetite
Illustrative · sample data
Triage Agent
The risks worth winning, answered first.
Scores every submission against your appetite and portfolio priorities, so underwriters spend their judgement on viable risks — not on reading the ones you will decline.
- Accept, refer or decline indicator against your appetite
- Year-on-year changes called out on renewals
- Out-of-appetite replies drafted for the broker
Comes inCalder Freight · Marine Cargo renewal
Compliance Agent
Your team gets
- SanctionsOwners, vessels and ports: no matchPass
- ClearanceNo other submission for this insuredPass
- Line sizeUSD 22m within your USD 50m linePass
- Delegated authorityTransit via Mexico is outside the binder territoryRefer
Illustrative · sample data
Compliance Agent
Your rules, applied to every risk, every time.
Runs the checks your team does by hand today — sanctions, clearance, limits and delegated authority — and returns pass, refer or stop with the evidence attached.
- Configured to your own rules, not a fixed list
- Clear reasons recorded for every outcome
- Add your own checks as your business changes
Comes inFenwick Underwriting · September risk bordereau, 860 rows
Bordereaux Agent
Your team gets
- 856 rowsWithin binder limits, territories and classesClean
- Row 214Territory: Mexico. The binder covers UK and EEABreach
- Rows 301 to 303Premium above the binder limitBreach
Illustrative · sample data
Bordereaux Agent
Coverholder breaches found this month, not at audit.
Validates risk and premium bordereaux on arrival against binder terms — limits, territories, classes and authority — and points to the exact row behind every issue.
- Row-level breaches and gaps listed
- Consistent output for capacity providers
- A full trail for audits and Lloyd’s reviews
Comes inHalcyon Bulk Carriers · bound 28 October
Policy Document Agent
Your team gets
- Policy scheduleFrom the bound recordDrafted
- Hulls wordingFrom your wordings libraryDrafted
- Endorsement 02War exclusion differs from the slipReview
- DeductibleSchedule USD 250,000, slip USD 500,000Mismatch
Illustrative · sample data
Policy Document Agent
What you issue matches what you agreed.
Drafts the policy schedule, wording, clauses and endorsements straight from the bound record, and checks them against the agreed terms before they go out.
- Built from the bound record — no retyping
- Pre-issue checks against agreed terms
- Fewer wording disputes at claim time
Speed wins the placement. Admin loses it.
78%of buyers choose the first to respondSource: Coverager
8 daysaverage submission-to-quote timeSource: hyperexponential
100%of submissions checked against your rulesEvery check, every risk — not a sample
0core systems to replaceRuns alongside your PAS and inbox
Built by people who have run London-market data. Proven with underwriters in production.
[Client logo]
[Pilot customer quote on the problem FlowAISure solved — add once approved for publication.][Name][Head of Underwriting], [MGA]
[Client logo]
[Operations lead quote on time saved re-keying broker data.][Name][Operations Director], [Coverholder]
[Client logo]
[DA manager quote on catching bordereaux issues on arrival.][Name][DA Manager], [MGA]
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From the team behind PolicyCompareIQ
Co-built with a global specialty insurer and used today by underwriters across D&O, Marine, Liability, Offshore Energy and Aviation. The team brings around 20 years of experience across Lloyd's and specialty carriers.
Classes of business already handled
Marine CargoMarine HullD&OProperty D&FTerrorismOffshore EnergyAviationLiabilityFinancial InstitutionsMarine War
One platform for every seat at the desk
Underwriters, operations, delegated-authority teams and brokers all lose hours to the same thing: getting information into shape before anyone can decide.
For Coverholders & DA
Control over every binder you run
- Every row checked against binder terms
- Breaches caught this month, not at audit
- Clean reporting to capacity providers
For Brokers
Cleaner submissions, faster answers from market
- Messy SoVs and slips standardised
- Locations geocoded before market
- Fewer back-and-forths with underwriters
For Operations Teams
Automate the step that’s still manual
- Keep the workflow you already have
- Call a single task when you need it
- Exceptions queue instead of a full inbox
Why London-market teams choose FlowAISure
Generic AI tools read documents. FlowAISure understands how specialty business is placed, written and reported.
Built for how London places risk
MRC slips, lead and follow lines, binders and bordereaux are native — not a US commercial-lines model retrofitted to Lloyd’s.
Triage to bordereaux to documents
Most tools stop at triage. FlowAISure carries the same record through bind, policy documents, bordereaux and claims.
No core system to replace
FlowAISure sits alongside your PAS, inbox and market platforms. Start with one desk, or plug one agent into the workflow you already run.
Decisions you can defend
Every figure carries a confidence score and a link to its source. Underwriters own the final call, and every reason is on the record for auditors and Lloyd’s.
What changes on the desk
See how a submission moves from broker email to quote — and from bind to policy documents — without the manual steps in between.
Quote the risks you want, first
Submissions are read and sorted as they land. Your underwriters see the risks worth their time first, and brokers get an answer while the risk is still open.
More premium per underwriter
Re-keying, formatting and manual checks are taken off the desk, so the same team can handle more premium without overtime or new hires.
Controls you can evidence
Your appetite and authority rules run on every risk. Every decision is made by your people and recorded with its evidence — ready for capacity providers and Lloyd's.
Field notes
Short reads on underwriting, data and AI in the London market
LAUNCHMarzal Labs Launches PolicyCompareIQ
23 September 2026Our renewal and policy comparison product, co-built with a global specialty insurer and used by underwriters in production.
Read More →
ARTICLEAgentic Submission Triage on Databricks
[Publish date]How agents can read, check and route London-market submissions — and where the underwriter stays in control.
Read on Medium →
PILOTThe 50-Submission Pilot
Open nowSee FlowAISure on your own historical business before any integration work begins.
See what’s involved →Prove it on 50 of your own submissions
No integration to start. We run 50 recent submissions through FlowAISure and sit down with your team to compare the results with what your desk actually did.
Or write to mubarack.ali@marzallabs.ai