The AI operating system
for insurance operations.
Built for your team. Powered by AI. Invisible to your brokers.
Broker emails a submission. AI reads every document, enriches missing data, checks clearance, calculates the premium, and drafts the quote letter. By the time your underwriting team opens it, the only job left is the actual underwriting.
Pick your line of business:
This is what happens when you type a sentence into Oyyo
Palomar went from broker email to generated quote in under 8 minutes
Your underwriters are drowning.
Not in risk — in noise.
Submission data arrives a day late. Errors slip into quotes because your team re-keys data while rushing to beat the clock. Your best underwriter is buried in 40 open emails and can't tell what's urgent. Oyyo changes that — every submission arrives structured, triaged, and ready for a decision in minutes.
Most software forces humans to work like machines.
We built a platform where machines work like humans.
Mostly Autonomous.
Entirely Human.
Five AI agents. One pipeline. They read broker submissions, run clearance, calculate premiums, draft quotes, and get smarter with every correction your team makes.
Every app has a UI for your team and an interface for AI — both working on the same data, in the same Journal, at the same time.
Don't wait six months for IT. No code required.
Describe your ideal workflow in plain English and the Studio generates forms, rules, and extraction logic instantly. Anyone on your team can build a custom AI app — no IT tickets or coding required. Role-based permissions ensure governance at every level.
Running today: SOV Extraction · Loss Run Mapping · Bind Verification · Renewal Triage · Policy Comparison · Invoice Reconciliation
It doesn't just read PDFs.
It intercepts messy broker emails, cracks open nested ZIPs, auto-categorizes loss runs by coverage line, and files every document by Year, Product, Insured, and Stage. One submission = one unified timeline. Every email, AI action, and human decision in a single journal.
Throw away the spreadsheets.
This agent pulls extracted risk data, applies your underwriting guidelines, calculates premiums, generates the quote letter, or routes submissions to the right market. From rating to quoting to smart triage — one click.
Stop running Excel macros.
Oyyo's reporting engine pulls structured data across your entire pipeline. Generate instant Bordereaux for capacity providers, calculate premium reconciliation, and export audit-ready pipeline metrics — all with AI-assisted column mapping.
You guide them. They learn.
These agents aren't black boxes. You actively guide, correct, and teach them. Every adjustment an underwriter makes, the AI learns for the next submission. Build agents for invoicing, reconciliation, renewals, and every step between intake and bind.
Why Oyyo
You've tried the old way. Here's what's changed.
Manual data entry. Brittle OCR tools. Neither gives your underwriters their time back. Oyyo puts AI and humans in the same workspace — extraction, rating, quoting, all in one loop.
Manual + Excel
- Data entry clerks typing ACORDs into laggy core systems
- Brittle spreadsheet raters that break every quarter
- Email chains to track submission status
- Manual folder organization
Basic OCR / Extraction
- Extracts text from documents
- You still manually map data to your rater
- You still manually generate quotes
- Separate tools for each workflow step
Agentic AI Suite
- Autonomous agents that read, clear, rate, and quote in one loop
- Custom raters built from a prompt, not a spreadsheet
- Self-improving: agents learn from corrections and enrich data automatically
- No API integrations needed — agents find and connect data sources on their own
- Every document auto-organized, every action audited
Zero-Lift Implementation
We build your custom pipeline.
You just log in.
You've been told modernizing your pipeline takes 12 months and a $500K consulting engagement. Your PDFs and Excel sheets already contain your business logic — Oyyo turns them directly into live apps. No mapping step. No custom code. And you don't have to rip out your core system — Oyyo sits in front of Guidewire, Duck Creek, or Majesco, structuring the chaos before it hits your system of record.
- Connect your existing broker email addresses
- Send your Excel raters — they become AI raters
- Build new raters from scratch with AI if you don't have existing ones
- Push structured data to your core system via API
- Start with intake. Expand to rating when ready. Your timeline.
Send your documents
Your PDFs, Excel raters, ACORD templates — these are your business logic. Send them as they are.
Apps created from your files — or from scratch
Your Excel becomes an AI rater. Your ACORD template becomes an intake app. Or describe what you need and the AI builds it fresh. Every formula preserved in an auditable, proprietary format.
Go Live
Your team logs in. Brokers keep emailing. The apps process submissions automatically.
Powered by AI, not armies of consultants. Enterprise-grade setup in days. Zero integration fees.
A Real Submission
Zero manual triage. Zero app selection.
You build a catalogue of apps for your product lines. When a broker emails, Oyyo's orchestration engine reads the content, picks the right clearance form, rater, and quoter — and calls your underwriter in when the package is ready.
A broker emails a messy 47-location SOV and 5 years of loss runs in a ZIP file. Oyyo reads the content, identifies it as a Cyber Liability risk, and pulls the matching clearance form, rater, and quoter from your App Catalogue. 190+ data points extracted in 12 seconds.
Oyyo pings your underwriter: "Cyber submission ready. Premium $12,400. Confidence 96%." They open the Unified Journal and see a fully prepared package — data extracted, clearance passed, premium calculated. They spot a coastal wind exposure, adjust the deductible, and approve.
Your underwriter clicks Approve. Oyyo generates the quote letter and replies directly to the broker's original email thread — the broker never leaves their inbox. The submission is filed, the invoice is logged, and the Journal records every step.
Broker emails the bind order. Oyyo verifies subjectivities, logs the $12,400 bound premium, generates the invoice, and updates the policy record. Full lifecycle — email to bind to invoice.
The oyyo team launched 3 different products for us in a very short amount of time. Our efficiencies have dramatically improved.
Gerrit VandeKemp
Lead, Professional & Management Liability Insurance
Palomar Specialty NASDAQ: PLMR
Stop typing.
Start underwriting.
See your actual submission data processed live. Or start building your workspace right now.
We build your first app on the call
We build your clearance app — live
Tell us your product line. We build a working submission intake and clearance app in front of you. No coding. Takes about 2 minutes.
Process your real submission
Bring an ACORD, SOV, or loss run. We drop it in. Watch 190+ fields get extracted with confidence scores in seconds.
Your rater, live
Bring your Excel rater — we turn it into a live AI rater. Or we build a new one from your guidelines on the spot.
Walk out with a working app
Not a demo. Not a slideshow. You leave with a real workspace your team can start using. No technical knowledge needed.
Andriy, Founder
No slides. No pitch deck. Straight to your data.
Prefer to explore on your own?
Create your workspaceNo IT ticket · No implementation · 30 seconds to first extraction