Using AI for policy checking, safely
Policy checking is tedious and important. AI handles the tedious part well. People still own the important part.
AI can speed up policy checking by reading the issued policy and listing differences from the quote, binder or prior policy: limits, deductibles, forms, named insureds, locations and endorsements. A trained person should confirm every difference it flags, and a licensed person should decide what to do about real discrepancies. Never send AI output to a client unchecked.
What a policy check compares
| Item | Compare against |
|---|---|
| Named insured and address | Application and binder |
| Effective dates | Binder |
| Limits and deductibles | Quote and binder |
| Forms and endorsements | Quote, plus prior policy at renewal |
| Additional insureds | Requests on file |
| Schedules: vehicles, locations, equipment | Application and changes |
| Premium | Quote |
A safe AI workflow
- AI reads the issued policy and the quote or binder, and lists every difference.
- A trained person confirms each difference against the documents.
- A licensed person decides what real discrepancies mean and asks the carrier to correct them.
- Everything is noted on the client record in the AMS, with the check date.
Common mistakes
- Trusting a "no differences found" result without a spot check.
- Uploading client documents to a tool without proper data terms.
- Letting AI wording go straight to a client.
- Skipping the record in the AMS, which is your evidence later.
Where Humai fits
Humai's back-office professionals run policy checks with AI in your AMS and confirm every difference, and U.S.-licensed agents handle the discrepancies that affect coverage. Every job is checked and monitored.
Questions agency owners ask
What is insurance policy checking?
Comparing the policy the carrier issued against what was quoted, bound or requested, to catch errors before the client relies on the policy.
Why does policy checking matter for E&O?
An error in an issued policy that nobody catches can leave a client without coverage they thought they had, which can lead to an E&O claim against the agency.
Can AI do policy checking on its own?
Not safely. AI can miss items or misread forms. Use it to produce a list of differences that a trained person then confirms.
What should a policy check compare?
Named insured, addresses and locations, effective dates, limits, deductibles, forms and endorsements, additional insureds, vehicles or property schedules, and premium.
Does policy checking need a licensed person?
The comparison itself can be done by trained staff. Deciding what a discrepancy means for coverage, and talking to the client or carrier about it, should involve a licensed person.
Sources
- NAIC: Artificial intelligence, including the 2023 model bulletin on insurers' use of AI systems
- Florida Administrative Code 69B-222.060, unlawful activities by unlicensed insurance agency personnel
Licensing rules differ by state. This article is general information, not legal advice. Check with your state's department of insurance.