Everything Adjustly does — and why it moves your numbers.
One AI-native platform for commercial-lines distribution: read every submission, match appetite with reasons, keep the book moving, and prove every step. Here it is capability by capability — with what each one means for your agency or program.
Read & structure
It reads the paperwork so your people don’t.
Forward a submission and Adjustly parses the whole packet — ACORD 125/126/140, loss runs, statements of value, MVRs, and the email itself — into one structured risk profile. Every field is traced to the exact page it came from and scored for confidence, so a human verifies in seconds instead of re-keying for an hour.
- Email and web intake — no inbox migration, nothing to install
- Multi-document extraction across the whole submission packet
- Every field carries its source page and a confidence score
- COPE, payroll, EMR, TIV, and loss history captured automatically
- A clear “still missing” list so you know exactly what to chase
Why it matters — Your best people stop transcribing and start selling. Nothing is taken on faith — every value shows its work.
Risk profile, extracted
Buckeye Metal Works LLC
Every field traced to its source page.
Appetite & placement
Which of your markets want it — in seconds, with the reason.
Adjustly scores every risk against your carriers and programs and returns a ranked verdict: in appetite, refer, or decline — each with the specific reason, whether it’s class, TIV, loss history, or hazard. The rules are yours to edit; the AI just applies them the same way on every submission.
- Scored against your own carriers and programs — not a generic list
- Per-carrier decision with the reason attached, ranked best-first
- Appetite rules you configure in-app and tune to your markets
- Out-of-appetite override with a logged rationale when you know better
- Every market you approach is captured for the placement record
Why it matters — Stop spending an hour on a risk no one will write. Lead with the markets that already want it — and walk in knowing why.
Carrier appetite
Hudson Residential · BOP
Five tools that work inside every record.
All grounded in your own data, all traceable to their source. The AI drafts and advises; your team decides and sends.
Book Copilot
Ask your whole book in plain English — “what’s ready to quote?”, “which policies expire in 60 days?”, “where is my book stuck?” Answered only from your submissions, policies, and service queue, with the accounts named.
Guardian review
A second set of AI eyes reads a submission for inconsistencies, gaps, and red flags before it goes to market — high/medium/low, with the evidence. Advisory only; nothing changes without you.
Risk brief
A concise, grounded underwriting narrative written from the risk’s own facts — the story of the account, ready to attach when you send it to a market.
Proactive agent
Watches your book and surfaces what to work next — stalled submissions, ready-to-bind risks, renewals coming due — as prioritized tasks, before anything slips.
Drafting
Applications, client-ready proposals, COIs, endorsements, renewal briefs, and service replies — drafted from the record for your review, one edit from sent.
Grounded by design
Every answer comes from your data and cites where it came from. No invented premiums or limits, no black box — an auditable trail behind every AI output.
From a forwarded email to a bound file — one workspace.
Every step of a new submission lives on one screen, in order, with the AI doing the prep and your team making the calls.
- 1
Intake
A broker forwards the submission; Adjustly reads the whole packet into a risk profile.
- 2
Appetite
Instant match across your markets — in appetite, refer, or decline, with reasons.
- 3
Authority (MGAs)
Delegated-authority triage: bindable on program paper, or refer to the carrier.
- 4
Complete
The AI lists what’s missing; request it from the broker or fill it in one panel.
- 5
Prep
ACORD application and a client-ready proposal, drafted for your review.
- 6
Send
Grounded cover emails to markets or clients — edited by you, sent from Adjustly.
- 7
Your team binds
You quote and bind in your carrier systems. Adjustly records the placement.
- 8
On file
The bound policy, the markets shopped, and every AI output — a defensible record.
Adjustly preps and records; it doesn’t rate, quote, or bind in carrier systems — those calls stay with your team, in your systems.
Servicing
The day-to-day work, triaged and drafted for you.
Renewals, certificates, endorsements, billing questions, first notices of loss — the service inbox that never empties. Adjustly reads each request, routes it by intent, and drafts the response so your team confirms instead of composing.
- Service inbox auto-triaged by intent, with AI-drafted replies
- Certificates of insurance and endorsements produced in minutes
- Renewals flagged ~60 days out, each with an AI renewal-prep brief
- One account hub per insured — submissions, policies, service, claims
- Book analytics and exports to your systems of record
Why it matters — A smaller team keeps a bigger book moving — and clients get answers the same day, not next week.
Service inbox
8 open of 11
Certificate request · Riverside Cafe
“Hi — can you send a COI listing our landlord as additional insured…”
For MGAs & program business
Keep producers inside authority — automatically.
Configure your program’s binding limits once — TIV, prior losses, workers’-comp EMR, catastrophe exposure — and Adjustly triages every submission against them. Each risk comes back “bindable within authority” or “refer to the carrier,” with the reason. When it’s over the line, the referral memo is already drafted.
- Delegated-authority triage on every submission, in one click
- “Bind within authority” vs “refer to carrier,” always with the reason
- Authority limits you configure — TIV, losses, EMR, cat exposure
- Referral memos drafted automatically for over-the-line risks
- A clean audit trail of what was bound under authority and why
Why it matters — Delegated authority stops being a manual checklist. Producers move fast and stay compliant, and your carrier partners see disciplined, well-documented referrals.
Bindable within authority
In appetite and within delegated authority — bindable on program paper. Per Default Program Authority v1.
TIV
$2.1M
≤ $10M
Losses
0
≤ 3
EMR
—
≤ 1.25
Claims intake
First notice of loss, read and structured.
When a loss comes in by email, Adjustly reads it into a structured, reviewable FNOL — the facts, the parties, the coverage in question — with the same evidence-and-audit discipline as the rest of the platform. Reviewable output, never an autonomous decision.
- AI-read FNOL from an email or a service request
- Structured, reviewable output your team confirms
- Full audit trail on every extraction and AI output
- Routed into the same account hub as the policy
Why it matters — Losses get logged accurately the moment they arrive — no dropped details, no re-keying, a clean handoff.
FNOL
Water damage · Riverside Cafe
Structured for your review — never auto-decided.
AI you can put in front of a carrier — or an E&O auditor.
Grounded, not guessing
Every AI output is built from your own records and cites its source. No invented numbers, no hallucinated terms.
Defensible by default
Every market approached, every declination, every AI output — logged and sourced. An E&O-ready file without extra work.
Role-based access
Principals, producers, underwriters, and CSRs see only what they should. Book ownership and scoping are built in.
Turn products on or off
New business, servicing, claims, delegated authority — capabilities you enable per team, so the app fits how you work.
Isolated & encrypted
Each customer’s data is fully separated and encrypted in transit and at rest.
No rip-and-replace
Runs alongside your AMS or policy system and exports to your systems of record. Your system of record stays put.
Who it’s for
One platform, three ways to win.
Retail agencies
Quote-ready submissions and same-day service without adding headcount. Producers lead with the markets that want the risk; CSRs clear the inbox with drafted replies.
MGAs & programs
Delegated-authority triage on every risk, referral memos drafted, and a clean audit trail — so producers move fast, stay in authority, and your carriers trust the flow.
Wholesale brokers
Read inbound retail submissions instantly, match them to your markets with reasons, and prove every market was shopped — the placement trail, by default.
See it run on your own submissions.
We’ll walk your team through a real submission end to end — reading, appetite, prep, and the audit trail — and tell you honestly if it’s a fit yet.