BriteCore, a core system provider for property and casualty insurers, has launched an enterprise AI strategy featuring eight embedded AI copilots within the BriteCore Platform alongside a secure Model Context Protocol (MCP) service layer designed to connect insurer-developed and third-party AI agents.

The release marks the first major step in BriteCore’s broader AI strategy focused on embedding intelligence directly into insurance operations. The initiative is built around three pillars: built-in copilots and multi-agent systems, an open AI ecosystem, and an agentic core architecture aimed at automating routine work, accelerating decision-making, and supporting governed AI use across underwriting, claims, billing, servicing, and operations.

“Most AI solutions in insurance today are bolted on top of legacy core systems as loosely coupled tools,” said Ray Villeneuve, CEO of BriteCore. “Our strategy is different. We embed AI directly into the operational core through a governed, API-first architecture, so agents and emerging multi-agent systems can work securely inside the BriteCore Platform—where the actual work happens.”

Karlyn Carnahan, Head of North America Insurance at Celent, added: “Insurers are increasingly recognizing that long-term AI value comes from embedding intelligence into operational workflows, not simply layering generative AI on top of legacy systems.”

“BriteCore’s combination of embedded copilots, governed MCP infrastructure, and an open agentic architecture represents an important evolution in how modern core platforms can support secure, scalable AI innovation across the insurance lifecycle,” Carnahan said.

The eight copilots introduced are designed to reduce manual workloads across the insurance lifecycle.

The Submission Intake & Readiness Copilot processes unstructured submissions, extracts and structures data within BriteCore, and assesses completeness ahead of underwriting review. According to the company, the capability can reduce manual intake work by up to 80–90%.

Other tools include the Policy Summary Copilot, which generates summaries of policy information, risk characteristics, claims history and coverage considerations, and the Claims Summary Copilot, which creates structured claim summaries for adjusters, audits, management review and reinsurance reporting.

Additional copilots focus on billing, documentation, rating, rules management and reporting. These include the Invoice Explanation Copilot for plain-language billing explanations, the Document & Forms Copilot, Rate Change Copilot, Rules Intelligence Copilot, and Report Copilot.

BriteCore said these copilots represent the first phase of a roadmap toward orchestrated multi-agent insurance workflows.

The company’s architecture also enables localized agentic services operating within insurers’ own BriteCore environments, allowing workflows, orchestration logic and sensitive insurance data to remain within carrier-controlled infrastructure while selectively using external large language models for reasoning and decision support.

“We’ve been extremely impressed with BriteCore’s Report Copilot and the broader direction of their AI strategy,” said Tim Byrne, President and CEO of Great Bay Insurance Group.

“The ability to generate insights and summaries instantly has streamlined how our teams operate and communicate. More importantly, BriteCore’s approach keeps our people in control while helping us move faster, improve service, and make better decisions across the business,” Byrne added.

BriteCore said its AI capabilities are governed through MCP servers that connect native copilots, carrier-built agents and third-party tools to the platform’s policy, billing, claims, document and workflow APIs.

The MCP layer provides authentication, access controls, rate limiting, auditability, compliance monitoring and human-in-the-loop governance for AI interactions.

The company is also introducing an Open MCP Service architecture that allows carriers and ecosystem partners to build and deploy their own AI agents and multi-agent systems using the same infrastructure as BriteCore’s native copilots.

Future development phases are expected to expand multi-agent orchestration into new business processing, renewals, premium-to-cash operations, customer interaction management and platform governance, while also supporting emerging agent-to-agent communication standards.

“Copilots are just the beginning,” Villeneuve said. “The future of insurance operations is an intelligent core platform where AI agents safely coordinate work across the enterprise—while insurers remain fully in control of the decisions, governance, and customer relationships that matter most.”