AI Policy Endorsement Automation Agent

How Cassidy automates policy endorsement processing using AI

Step 1: Trigger on incoming change request

The Workflow activates when an endorsement request arrives—whether via email, PDF attachment, broker portal submission, or customer service ticket.

Step 2: Extract and classify the request

Cassidy reads the incoming document, identifies it as an endorsement (versus cancellation or reinstatement), and extracts key details: policy number, insured name, effective date, coverage changes, limits, deductibles, and any referenced forms.

Step 3: Retrieve policy context from your Knowledge Base

Cassidy pulls the current policy record from your Policy Administration System, along with rating plans, forms schedules, prior endorsements, and underwriting guidelines—building the full context needed for accurate processing.

Step 4: Validate eligibility and authority

The Workflow checks the requested change against product rules, state filings, and your authority matrix. It flags coverage conflicts, missing data, or changes that exceed CSR limits and require underwriter review.

Step 5: Calculate premium impact

Cassidy invokes your rating logic to compute additional or return premium using pro-rata calculations, applies taxes and fees, and updates billing plan details.

Step 6: Generate endorsement draft and updated documents

The Workflow assembles the endorsement wording, revised declarations page, updated schedules, and any required notices—pulling correct form editions and state variations from your forms library.

Step 7: Route for approval with Human-in-the-Loop

Routine, low-risk changes process straight through. Material changes—limit increases, new locations in restricted territories, hazard class shifts—route to the appropriate underwriter for review and approval.

Step 8: Update systems and distribute documents

Once approved, Cassidy applies the endorsement to your PAS, posts billing entries, and distributes documents to brokers, insureds, and third parties like mortgagees or additional insureds—with a complete, audit-ready trail of every decision and action.