According to Federato’s research, fewer than 25% of bound risks currently align with an insurer’s strategic goals. Traditionally, underwriters have been forced to sift through large volumes of submissions manually, with limited ability to prioritise the best opportunities until they reach the review stage. Even with triage tools, insurers have continued to rely on slow, analogue processes that hinder operational agility and profitability.
Federato’s agentic AI redefines this workflow by enabling underwriters to receive fully generated, data-driven quotes in minutes. The system uses the same logic as a human underwriter, guided by a real-time understanding of the insurer’s appetite and strategic priorities. Each quote includes a detailed explanation of the AI’s reasoning, providing both speed and transparency.
“It’s a transformative way of working. AI analyses large amounts of data at machine speed, while freeing expert underwriters to do what they do best: making nuanced decisions and building relationships,” said William Steenbergen, Co-Founder and Chief Technology Officer of Federato.
Alongside the introduction of agentic AI, Federato has launched Control Tower, a major platform upgrade developed in collaboration with dozens of property and casualty insurers. Control Tower delivers real-time portfolio oversight, governance, and visibility, ensuring underwriting teams remain aligned with corporate strategy. By turning static strategy documents into dynamic, proactive guardrails, the platform empowers underwriters to make faster, smarter, and more compliant decisions.
Will Ross, CEO and Co-Founder of Federato, stated: “For decades, the insurance industry has been held back by an old core of technologies built on legacy systems and siloed data. What was once a solution is now a limitation, as these systems can no longer meet the needs of a rapidly evolving industry. For the first time, insurers can now adopt an AI-native platform that spans the full policy lifecycle – one that is future-ready and designed to deliver better business outcomes every day.”
Federato’s AI-native platform integrates portfolio goals, strategies, and underwriting rules directly into its workflow. From the moment a submission enters the system, AI triages opportunities based on appetite, provides real-time portfolio feedback, and consolidates all underwriting workflows into a single, seamless interface.
By combining advanced machine intelligence with practical, user-centric design, Federato is redefining how insurers operate, empowering them to write better risks, accelerate decision-making, and maintain strategic control in an increasingly complex market.
