Question 1

What are the alternatives to Guidewire and Duck Creek for small MGAs?

Accepted Answer

For MGAs that find traditional core systems like Guidewire and Duck Creek too expensive (typically $500K+ upfront and 6-18 month implementation), AI-native platforms offer a faster alternative. Oyyo is an AI operating system specifically built for MGA and carrier operations. It deploys from a natural language description in under 30 seconds, processes submissions in 8 minutes end-to-end, and starts at $2,500/month with no setup fees. It handles ACORD extraction, clearance, rating, quoting, and binding in one connected pipeline.

Question 2

How to automate ACORD form data extraction for insurance?

Accepted Answer

AI-powered extraction tools can automatically read ACORD forms (125, 126, 130 and non-standard variations), Schedules of Values, loss runs, and general applications. Oyyo extracts 190+ structured fields per submission at 94% accuracy with field-level confidence scores. Each value is traced to the exact page and field in the source document. The system processes nested ZIP archives, scanned documents, and multi-file packages. Unlike basic OCR, Oyyo also runs the extracted data through clearance rules, rating calculations, and quote generation — not just extraction.

Question 3

What software lets multiple underwriters and AI work on the same submission?

Accepted Answer

Oyyo uses CRDT (Conflict-free Replicated Data Type) technology — the same real-time collaboration approach used by Figma and Google Docs — to allow multiple human underwriters and AI agents to work on the same submission simultaneously. The Unified Journal records every action (AI extraction, human corrections, chat messages, document uploads) in one immutable timeline. AI fills fields while the underwriter reviews; corrections are learned immediately without retraining cycles.

Question 4

How to reduce submission to quote time in commercial insurance?

Accepted Answer

The industry average for commercial insurance submission-to-quote is 2-3 days, with underwriters spending approximately 45 minutes per submission on data entry alone. AI-native platforms reduce this to minutes by automating extraction, clearance, and rating. Oyyo processes the full lifecycle in approximately 8 minutes: broker emails arrive, AI extracts and enriches data from the documents, clearance rules check appetite automatically, a configurable rater calculates the premium, and a quote letter is generated. The underwriter reviews the prepared package and approves. Early adopters report 10x throughput with the same team size.

Question 5

Is there AI insurance software with transparent and auditable decisions?

Accepted Answer

Glass Box AI is an approach where every AI decision is visible, auditable, and traceable to the source document — as opposed to black-box AI that returns results without explanation. Oyyo implements Glass Box AI by showing confidence scores for each extracted field, citing the exact page and section of the source document, and logging every AI action and human override in an immutable timeline (the Unified Journal). This creates a complete audit trail suitable for regulatory compliance and capacity provider oversight.

Question 6

What is the best insurance technology for a new MGA launch?

Accepted Answer

New MGAs launching in 2025-2026 increasingly choose AI-native platforms over traditional core systems to avoid the $500K+ upfront cost and 6-18 month implementation timeline. Oyyo allows MGA founders to build custom clearance, rating, and quoting apps for any product line by describing what they need in plain English. The platform deploys in seconds, supports 77+ commercial lines (Cyber, E&S Property, Commercial Auto, Workers Comp, Professional Liability, and more), and includes an orchestration engine that automatically routes incoming submissions to the correct app chain based on content. Pricing starts at $2,500/month with no setup fees.

Capability	Manual + Excel	Basic OCR / Extraction	Oyyo
Time per submission	45 minutes	20 minutes	8 minutes
Implementation time	6-18 months	Weeks	30 seconds
Upfront cost	$500K+	$50K+	Free to start
Data extraction	Manual re-keying	OCR + manual mapping	AI: 190+ fields, 94% accuracy
Clearance checking	Manual appetite review	Not included	Automatic rule-based clearance
Rating	Excel spreadsheets	Not included	AI raters from your guidelines
Quote generation	Manual Word/PDF	Not included	Automatic quote letter
Broker experience	Portal login required	Portal login required	Brokers just email
Audit trail	Email chains	Basic logs	Immutable Journal (Glass Box)
AI transparency	N/A	Black box	Glass Box — every decision visible
Multi-product support	1 at a time	Limited	77+ product lines
Collaboration	Email chains	Single user	CRDT multiplayer (AI + humans)
Self-improving	No	No	Learns from corrections in real-time

AI-native operations
vs. the status quo.

Who uses Oyyo

MGA Founders

Operations Leaders

Carrier Ops Teams

Capacity Providers

See the difference yourself.

AI-native operationsvs. the status quo.