Artificial Labs

Artificial is a cloud platform for specialty and commercial insurance that connects brokers and underwriters so that risk submissions move without rekeying or paper. It captures and structures submission data at source, applies algorithmic underwriting with human oversight, and gives underwriters and portfolio managers a real time view of aggregate exposure. It is built for brokers, underwriters, coverholders and carriers in the specialty and reinsurance market. Brokers use it to cut submission preparation time and administrative cost. Underwriters work from an underwriting workbench where algorithmic rules triage and price risks under conditions they define, with every AI decision transparent and governed by those rules. The platform also handles open market placement, facilities and tracker management, delegated authority, consortium placement and portfolio underwriting, and it supports capital deployment decisions with live reporting. Pricing is not published. Engagements are scoped with the company and quoted to each broker, carrier or managing agent. The company operates as Artificial Labs and names BMS Group, Apollo Group Holdings and Lockton among its customers, which reflects a focus on the London specialty market rather than personal lines.