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One platform. Six personas. Same source of truth.

The submission that lands in an underwriter’s inbox is the same submission a broker sent, the carrier needs to see, the reinsurer cedes against, and the adjuster will reference at claim time. Vortic gives every persona the slice they care about, on top of the same structured memo and audit trail.

For Underwriters

Bind in 30 seconds. Keep the judgment.

Auto-extract every field from a broker submission, run nine specialists in parallel, get a structured memo with sources cited. The judgment stays yours — the data-fetching, formatting, and treaty checks disappear.

Fits: Lloyd's active underwriters · binding-authority underwriters · US E&S underwriters

Outcomes
  • Pipeline target: full nine-agent run in ~30 seconds (median on demo book)
  • Decision memo with sources cited (EA Flood UK · FEMA NFIP US · OS / ZIP)
  • Auto / Copilot / Full Review modes — gate before bind on every submission
  • Audit trail captured per-call with PII redaction at trace insert
For MGAs & Coverholders

Quote faster than the competition. Without breaking the audit.

Brokers route business to whoever quotes back fastest. Vortic compresses your decision time from hours to seconds without sacrificing the audit trail. Same headcount, more decisions reviewed.

Fits: Lloyd's coverholders · UK MGAs · US E&S MGAs · binding-authority operations · BPO underwriting

Outcomes
  • CSV bulk import for your existing bound book
  • 60-day renewal pipeline (automatic submissions + email reminders)
  • Concentration alerts before they breach treaty caps
  • Per-agent credit metering — predict cost per submission to the cent
For Brokers

Quote-back automation that doesn't embarrass you.

Submit a risk to your MGA partners and get a Vortic-generated structured response — sources cited, conditions included, ready to forward. Receive bind notifications via webhook into your placement platform.

Fits: Wholesale brokers · retail brokers · placement teams at large global brokerages

Outcomes
  • Inbound webhook accepts JSON submissions from your placement system
  • Outbound webhook fires bind / decline / refer events to your CRM
  • Decline rationale is structured + citation-rich (saves the relationship)
  • Custom submission templates per broker partnership
For Carriers

Visibility into delegated authority without micromanagement.

Your delegated authority partners use Vortic and you get a real-time read on bound-vs-quoted, treaty utilisation, and concentration. Quarterly reporting becomes a live dashboard.

Fits: Capacity providers · syndicates with delegated authority · MGA-aggregators · US fronting carriers

Outcomes
  • Standardised decision memo format across all delegated MGAs
  • Treaty utilisation per coverholder via the Treaty agent
  • Concentration alerts on postcode (UK) and ZIP (US)
  • API access to bound risks (Enterprise tier)
For Reinsurers

See treaty utilisation in real time, not at year-end.

Vortic's Treaty agent runs on every submission. Cedants share their utilisation feed and you see accumulation building before it becomes a quarterly reconciliation problem.

Fits: Treaty reinsurers · retro markets · captive reinsurers · US Cat-bond programs

Outcomes
  • Live treaty utilisation per cedant when granted access
  • Concentration heatmaps by postcode (UK) and ZIP / county (US Cat zones)
  • FEMA flood-zone exposure and hurricane Cat tracking on US books
  • Read-only API access for your own systems (Enterprise tier)
For Adjusters & Compliance

Audit trails that write themselves.

Every decision in Vortic generates a structured memo with sources cited. Every LLM call logs to agent_traces with token counts. Every prompt change is recorded. When the regulator or claims team asks "why did we bind this?", the answer is one click away.

Fits: Loss adjusters · claims teams · UK FCA / US NAIC compliance officers · internal audit

Outcomes
  • Per-decision audit trail UI at /submission/[id]/history
  • Prompt change history with old/new diff in Agent Studio
  • PII redacted at trace insert (insured names, postcodes/ZIPs, broker emails)
  • GDPR-compliant data handling · SOC 2 Type II preparation in progress

Which persona is yours?

Tell us where you sit and we’ll tune Vortic for your slice of the market.

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