Workflow Engine
Flow
Composable, multi-workflow engine. Underwriting, claims, renewal and more — buy or build.
Explore FlowBacked by Google Cloud · AICPA SOC 2 Certified · Trusted by carriers across commercial, personal & health lines
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Overview
One platform for the entire insurance lifecycle
AI-powered solutions for carriers and agencies — transform underwriting, streamline operations, and drive growth.
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Explore ResourcesBuilt on the modern insurance & AI stack
The Stack
Six products. One platform.
Each product stands alone — together they are the complete carrier stack. Click into any one for the full story.
Integration Core
Orbit
One-click orchestration connecting any system — PAS, databases, legacy and data APIs.
Explore OrbitCore Systems
Core
The policy-admin backbone — with our own PaaS. Quote is part of Core, talking to any PAS you run.
Explore CoreKnowledge Platform
Vault
Document management & AI knowledge — turns enterprise information into decisions.
Explore VaultDistribution
Portal
Agentic submission & agency portals — run your distribution channel with AI, not email.
Explore PortalAgent Builder
Studio
Build & host specialized AI agents. Interops with legacy workflows. AG-UI, ADK, MCP.
Explore StudioEnd-to-end workflow
From Submission to bound policy
One continuous flow — agentic underwriting triages every submission, then hands the bound risk straight into your PAS. No re-keying, no gaps.
Intake
Triage
Underwriting
Decision
Quote
Bind
PAS
Composable Workflows
One engine. Every workflow.
Flow is a composable, multi-workflow engine. Buy proven out-of-the-box flows, or compose your own from a library of specialized agents — underwriting, claims and everything in between.
Underwriting
Intake, triage, risk analysis & decisioning.
Claims
FNOL to settlement, fully orchestrated.
Renewal
Proactive book review & re-rating.
Submission Intake
Zero-email capture & prioritization.
Billing
Invoicing, collections & reconciliation.
Compliance
Continuous checks & audit trails.
Policy Servicing
Endorsements & mid-term changes.
Onboarding
Agents, brokers & MGAs, day one.
Buy out-of-the-box flowsOr build your own
Coverage
Every P&C line of business.
One platform across commercial and personal property & casualty — from GL and workers' comp to homeowners and specialty E&S.
Commercial lines
General LiabilityCommercial PropertyWorkers' CompensationCommercial AutoBusiness Owners (BOP)Commercial PackageProfessional Liability (E&O)Directors & Officers (D&O)Cyber LiabilityUmbrella & ExcessInland MarineSpecialty & E&S
Personal lines
HomeownersPersonal AutoRentersCondo (HO-6)Landlord / DwellingPersonal UmbrellaFloodPowersports & RVWatercraftValuables & Scheduled
Additional lines and state-specific programs configurable in Core — talk to us about your book.
The Ecosystem
Orbit orchestrates everything.
Orbit is the connective core of the platform — one-click integration that connects any system to any system. Your PAS, databases, legacy stack and third-party data APIs plug in once; Flow, Core, Vault and Portal orchestrate on top.
Connect anything to anything — PAS, databases, in-house services and partner APIs.
Bring data into your own systems and push it back out — with minimal effort.
One integration layer for the entire platform — no point-to-point spaghetti.
Orbit
Flow
Core
Vault
Portal
PAS
Databases
Data APIs
Legacy
Core concept
Quote, bind & issue on one Core
Core is the policy engine underneath every line of business — a single rating, product and issuance layer that turns an underwriting decision into a bound, in-force policy.
Rating & product engine
Version-controlled rate tables, rules and forms per product — the same logic that powers Quote runs at bind and endorsement.
Policy lifecycle
New business, endorsements, renewals and cancellations — full transaction history and document generation on every policy.
Straight-through issuance
Bound risks flow from Flow and Quote into Core with no re-keying — books issue automatically and land in your ledger.
