PolicyIQ

Commercial insurance comparison runs on PDFs. Coverages, limits, exclusions, scattered across carrier documents in formats that don't match and language that doesn't reconcile. For an independent insurance agency handling submissions across multiple carriers, that reconciliation is the job—slow, repetitive, dependent on how closely each document gets read on a given afternoon.

PolicyIQ reads the documents. Carrier PDFs in; coverages, limits, and exclusions out, mapped to a structured ontology common across carriers regardless of who wrote the policy. Policies compared side by side, carrier against carrier, term against term. Every extracted claim carries an audit trail back to its source passage—no comparison asserts what the document doesn't say. Human-review checkpoints hold the line between extraction and decision. Built for operators and growing businesses; here, an independent insurance agency working commercial policy volume.

Two layers under the architecture: an LLM extraction layer, an LLM comparison layer. Cost-modeled at roughly $200 to $350 a month for a volume of 75 to 100 policies. The design is complete—twelve sections, adversarially reviewed before any production build. PolicyIQ: currently in build.