Platform
The operating system
for insurance.
Every submission gets a Journal — one place where AI and your underwriters work together in real-time. Every email, every extraction, every decision. One timeline. Nothing lost.
The Core
The Unified Journal.
Your multiplayer command center.
In most software, AI is a chatbot on the sidebar. In Oyyo, AI is a cursor in the document — extracting fields, calculating premiums, and drafting quotes inside the same workspace your underwriter uses. Right now your submission context lives in Outlook, a shared drive, three spreadsheets, and someone's memory. The Journal puts it all in one place. Updated live. Logged permanently.
Real-Time Collaboration
Powered by CRDTs. Humans and AI edit the same submission simultaneously.
Agentic Chat
Ask the AI questions directly inside the timeline. It finds answers in your documents.
Perfect Auditability
Every keystroke, AI action, and app calculation is permanently logged.
Sarah Martinez (Marsh) sent ACORD 125 + 5-year loss runs + SOV
Extracted 142 fields from 3 documents — 98% confidence
PASS — within appetite. Wind deductible flagged for review.
Reviewed wind deductible, updated to 5% for Tier 1 coastal
@Oyyo what was the 5-year loss ratio for this insured?
42.3% loss ratio (2021-2025). Source: Loss_Runs_5yr.xlsx, page 2.
Premium calculated: $12,400/year (base $9,800 + wind $2,600)
Approved quote. Sent to broker.
Quote letter generated and emailed to sarah@marsh.com
The Lenses
Native to humans. Native to AI.
Invisible to brokers.
Every Oyyo app is a single, unified state serving three distinct clients. Your underwriting team sees forms, confidence scores, and approval buttons. AI sees structured fields, extraction targets, and calculation rules. Brokers see their inbox — follow-ups and quotes arriving in their email thread. Same app. Same Journal. Three perfect experiences.
Intake
Email → AI categorization
Clearance
Appetite & risk rules
Rating
Premium calculation
Quote & Bind
Document generation
Your App
Invoicing, renewals, anything
Shared state · Immutable audit trail · CRDT real-time sync · Every app reads and writes here
Intake & Clearance
Broker emails a submission. AI reads every document, extracts 190+ fields, and checks your appetite rules. Your team sees a structured package with confidence scores — review what the AI flagged, skip what it got right. The broker gets an intelligent, context-aware reply — instantly.
- Dedicated email per product line
- AI extracts while your team reviews
- Custom clearance rules run automatically
- Broker acknowledgment with missing-document follow-up
Custom Rating
Send your Excel rater or describe your rating logic. AI compiles it into a live app. When a submission passes clearance, the rater calculates automatically. Your team sees the premium breakdown and adjusts if needed. Every calculation auditable, every factor visible.
- Your Excel becomes a live AI rater
- AI calculates, your team verifies
- Multi-factor rating with territory, class, and experience mods
- Full calculation audit trail
Quote & Bind
AI drafts the quote letter from rated data. Your team reviews the terms and clicks approve. The quote replies directly in the broker's original email thread — they never leave their inbox. The bind order, invoice, and filing happen in the same Journal.
- AI drafts, your team approves
- Quote replies in broker's email thread
- Bind order verification and invoice generation
- Complete chain of custody in the Journal
Infinite Extensibility
Build apps for market routing, invoicing, renewal triage, financial reconciliation, endorsement processing — anything your pipeline needs. Describe it in Studio or send your existing documents. Every new app inherits the same tri-audience architecture: your team governs, AI executes, brokers interact via email.
- Build any workflow via natural language
- Every app inherits the audit trail
- Market routing for wholesale brokers
- Partner integrations via API
The Orchestration Engine
You build the apps. The AI routes the work.
You don't tell Oyyo what to do with each submission. You build your App Catalogue — clearance forms, raters, and quoters for each product line. When a broker emails, the AI reads the content, picks the right apps, fills the data, and calls your underwriter in when it's ready.
Intelligent app routing
AI reads the email, identifies the product line, and automatically selects the correct clearance form, rater, and quoter from your catalogue. No manual triage.
Smart email threading
Broker replies 10 minutes later with the missing loss run? The AI recognizes the thread and auto-attaches it to the existing submission Journal.
Push, not pull
Your underwriters stop hunting through inbox queues. The AI prepares the full package — extraction, enrichment, rating — and pings them when it's ready for review.
Invisible to brokers
When your underwriter approves, Oyyo replies directly in the broker's original email thread. No portals. No logins. Seamless for them, automated for you.
The Lifecycle
From inbox to
bound policy. 8 minutes.
Brokers email submissions exactly like they always have. Oyyo intercepts, reads every document, structures the data, runs clearance, calculates premiums, and drafts the quote. Your underwriter reviews, corrects, approves — all inside the Journal.
- Brokers change nothing — they just email
- AI processes 190+ fields in under 15 seconds
- Custom clearance rules filter bad risks automatically
- Rating, quoting, and binding in one connected pipeline
- Every action logged in the Unified Journal
The Output
Real-time Bordereaux.
Zero manual aggregation.
Your capacity provider asks for a bordereaux on Friday at 4 PM. Instead of pulling data from three systems into a spreadsheet, you click Export. Every field is already structured, every premium already calculated. Done before you finish your coffee.
- AI-powered calculated fields — build complex commission and reconciliation formulas
- AI column mapping — auto-configure reports to match capacity provider schemas
- Pipeline dashboards — submissions, quotes, binds, and lost across all product lines
- Export to CSV, PDF, or push via API to your AMS
For Developers
Your data. Your systems.
Every extracted field is available via REST API with cursor pagination, confidence scores, and source citations. Push structured data anywhere — your AMS, your data warehouse, your spreadsheets. Model Context Protocol (MCP) support for agentic workflows.
Build Your Own
AI Studio. Describe what you need.
Don't wait for IT. Type what you need in plain English, and Studio generates forms, extraction rules, rating logic, and routing — instantly. Anyone on your team can build a custom App. Role-based permissions ensure governance.
Zero-Lift Implementation
We build your custom pipeline.
You just log in.
You've been told that modernizing your pipeline takes 12 months and a $500K consulting engagement. We hear that a lot. Send your PDFs and Excel raters — Oyyo turns them directly into live apps. No mapping step. No coding. Whether you're a 3-person MGA or a carrier running 20 product lines.
- Connect your existing broker email addresses
- Import your Excel raters — AI converts them to calculation logic
- Custom quote templates from your existing PDFs
- Partner API integrations (AMS, carrier portals)
- Live pipeline in under a week
Your PDFs, Excel raters, ACORD templates — these are your business logic. Send them as they are.
Your Excel becomes a live rater. Your PDF becomes a template. Or describe what you need and the AI builds it fresh. Every formula preserved in an auditable, proprietary auditable format.
Your team logs in. Brokers keep emailing the same addresses. Apps process submissions automatically.
Powered by AI, not armies of consultants.
Enterprise-grade setup in days. Zero integration fees.
See it with your data.
Drop an ACORD form into the sandbox. Watch the AI extract 190 fields. See it appear in the Journal. Takes about 30 seconds.