Customer Story
From submission to invoice —
one MGA's complete AI transformation
A specialty MGA managing three product lines replaced their entire manual pipeline — intake, rating, quoting, invoicing, and financial reconciliation — with Oyyo's AI agents.
Product lines automated
MLP, E&O, Excess
Pipeline stages covered
Intake → Invoice
Time to deploy each product
Via AI Studio
Paperless lifecycle
No Excel, no manual filing
The Challenge
This specialty MGA manages three complex product lines — Management Liability (MLP), Miscellaneous E&O (MEO), and Excess Liability (XS). Each line has its own clearance rules, rating methodology, and quoting format.
Before Oyyo, each product line lived in its own spreadsheet universe. Three different Excel raters. Three different filing systems. Manual copy-paste between intake forms and raters. And once a deal was bound, the invoicing and financial reconciliation process was entirely disconnected — a separate Excel workbook tracking which premiums had been invoiced, which carrier payments had been received, and which commissions were outstanding.
The team spent more time managing data across these disconnected tools than actually evaluating risk. Month-end financial reconciliation alone took two full days.
The Solution: Five AI Agents, One Workspace
Instead of implementing three separate tools for three product lines, this MGA deployed Oyyo once and used AI Studio to build everything.
Three product lines built in days, not months
The team described each product line to AI Studio in plain English. Within days, they had live intake forms, clearance rules, and custom extraction schemas for MLP, MEO, and XS — each with its own dedicated email address for broker submissions.
Thousands of documents auto-organized
Loss runs, financial statements, applications, and binders — all automatically categorized by coverage line and filed into a clean Year > Product > Insured > Stage folder structure. The team stopped spending time on file management entirely.
Three raters replaced three spreadsheets
Each product line got its own AI-powered rater that pulls directly from the intake data. Premiums calculate automatically based on the extracted risk data and the team's exact underwriting guidelines. Quotes generate in seconds, not hours.
Bound premiums flow directly to invoicing
When a deal binds, the bound premium, commission structure, and policy details automatically flow into the invoicing stage. No re-keying. No separate spreadsheet. The same data that started as a broker email now lives in the invoice, fully traceable.
Month-end close: 2 days → 2 hours
The custom reconciliation agent tracks which invoices have been paid, which carrier payments have been received, and where discrepancies exist. What used to be a two-day manual process of cross-referencing spreadsheets now takes two hours of review.
The Results
The transformation wasn't just about speed — it was about eliminating the data silos that fragmented every decision.
Three Excel raters consolidated into one intelligent workspace. Each product line has its own AI rater that shares the same data foundation.
Month-end financial reconciliation collapsed from a two-day ordeal into a two-hour review. The AI flags discrepancies; humans resolve them.
Complete data continuity from the moment a broker sends an email to the moment the invoice is generated. Zero re-keying across the entire lifecycle.
The team eliminated every Excel workbook from their daily workflow. Rating, quoting, invoicing, and reconciliation all happen inside Oyyo.
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Oyyo isn't just for intake. Build AI agents for every step of your pipeline — rating, quoting, invoicing, reconciliation, and more.