The AI workforce operating system for commercial insurance.
Deploy governed AI coworkers inside the workflows agencies, wholesalers, and MGAs actually run — submissions, underwriting support, policy service, claims, and renewals. From intake to renewal, Seven16 handles the work between the decisions. Every consequential action waits for a human yes, and every step is audited.
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Your placement desk and growth engine, run with governed agents.
Submission to renewal, with a human approval gate in the middle and an audit trail underneath — the same shop you run today, with governed AI agents inside every step.
Meet the AI Insurance Ops team. Fourteen roles, each with a job — and a line it won’t cross.
Not one chatbot wearing many hats — a governed department. Nine specialists do the work, two governance members are always included and can’t be removed, and three optional roles extend into growth, markets, and claims. Every card names what the role does and the one thing it will never do.
Core specialists · 9
Nine roles that do the operational work — intake to service.
Ops Command
Runs the workflow end to end — intake to service — and reports the next best action.
Never binds coverage; preparing the bind-ready packet is the job, binding stays a licensed human's call.
Intake Desk
Turns emails, ACORDs, loss runs, and schedules into a clean file with a missing-item checklist.
Never guesses a missing value — an empty field is missing, not inferred.
Risk Signal
Writes a plain-English, source-cited risk snapshot plus the questions an underwriter will ask.
Never renders an accept, decline, or rate verdict — it describes risk, it doesn't decide it.
Appetite Match
Builds a submit-first market shortlist with the fit rationale for each.
Never invents carrier appetite — unknown appetite is stated as unknown, every time.
Submission Builder
Assembles the underwriter-ready packet and the market email drafted for the audience.
Never hides adverse facts, and never sends — drafts go to the account owner.
Quote Compare
Puts quotes side by side — coverage, subjectivities, fees — with producer talking points.
Never declares a winner without the tradeoffs, or interprets whether a policy covers a loss.
Renewal Watch
Builds the dated renewal timeline and flags what changed since the expiring term.
Never predicts renewal pricing or assumes exposures are unchanged.
Producer Desk
Preps producers to win: call briefs, follow-ups, objection handling, book next-best-actions.
Never promises savings, eligibility, placement, or premium.
Service Desk
Organizes certificate, endorsement, and billing requests; drafts neutral client replies.
Never tells a client they are — or aren't — covered; it routes coverage questions to licensed review.
Governance · always included · 2
Two members you can't switch off: a gate on the way out, a paper trail underneath.
Compliance Clearance
Reviews every client- and market-facing draft — pass, revise, or block — and forces human approval on sensitive actions.
Never approves under deadline pressure, and never gives legal advice itself.
Audit Vault
Ties every generated claim to its source document, marks unknowns unknown, and logs decisions and approvals.
Never lets an unsupported claim ship, or fills an unknown with a plausible-looking value.
Expansion · optional · 3
Three roles that extend the team into growth, markets, and claims.
Agency Growth
Builds niche and DOT campaigns, landing copy, and producer prospecting sequences.
Never promises savings, coverage, or eligibility in marketing copy.
Carrier Relations
Preps appointment packets, carrier meeting briefs, and production summaries.
Never overstates production, hit rates, or book quality to a market.
Claims Assist
Organizes claims notices, drafts neutral communications, and flags urgent losses immediately.
Never predicts a claim outcome or makes a coverage determination.
Six functions of an insurance operation. One governed platform.
Underwriting support
Submission intake, clearance, document extraction (ACORD, loss runs), live DOT/FMCSA risk data, appetite matching — a cited risk read on the desk before coffee.
Governed: Recommends only. Never quotes a premium, never binds, never invents carrier appetite.
Service & renewals
A governed service desk that answers policyholders and producers 24/7, tracks renewal timelines, and flags at-risk accounts with the receipts to prove why.
Governed: Escalates anything consequential to your team — with the full conversation attached.
Sales & distribution
Producer prospecting, qualification briefs, book-of-business analysis, and follow-up drafts that go out only after a human approves the send.
Governed: Every outbound email passes the human approval gate. No exceptions, even for admins.
Marketing
Niche campaigns, landing copy, one-pagers, and nurture sequences in your voice — built by a role-based marketing team, not one generic chatbot.
Governed: No asset ships without a message, audience, and goal. Claims must trace to a source.
Producer & agent communications
Appointment paperwork chasing, licensing follow-ups, carrier bulletins summarized for the floor, and producer-facing updates drafted for your sign-off.
Governed: Drafts, summaries, and briefs — your name goes on it, so you approve it.
Social & content
A steady drumbeat of industry-literate posts and thought-leadership drafts your compliance posture can live with.
Governed: Nothing posts itself. Everything is a draft until a person says go.
Powerful, but on a leash.
Every request — a producer’s question, a submission, a renewal review — moves through the same governed path. The AI does the work; the system enforces the rules; your licensed people approve anything that matters.
Describe the job in plain words — what the agent does, what “done” looks like, and what it must NEVER do (quote, bind, promise coverage). The platform writes the job description; you approve it.
Every agent ships with graded practice tests, including trick questions and red-team drills. It earns independence only at a 100% pass — and re-proves it after every change.
Your team runs it from the command center; a one-line widget puts the service agent on your site. Every conversation lands with a full play-by-play and a receipt.
Paste an agency’s website. Get its service agent.
Drop in an agency’s URL and Seven16 reads it, extracts the lines, hours, contacts, and markets, and stands up a customized front-desk agent plus a ready-to-embed widget — in seconds. It only ever states facts actually found on the page; it never invents a phone number, an appetite, or a coverage answer.
The agency's site — or paste text if there isn't one.
Lines of business, hours, contacts, tone — structured into a profile.
A branded assistant and its embed code, live and ready to demo.
On your website with one line of code.
Paste one line and your service agent answers policyholders and producers 24/7 — with a per-visitor message limit, a daily cap, and an instant off switch. Try to talk it into a premium indication or a coverage promise: it politely refuses, every time. That’s the point.
<script src="https://seven16aiagent.com/widget.js" data-key="YOUR_KEY" async></script>Works on any website builder that lets you paste HTML.
Built like it’s handling regulated business — because it is.
Every agent carries hard prohibitions — never quote a premium, never bind or imply coverage, never invent carrier appetite, never give legal advice — enforced on every run, even against strangers who push.
Recommendations route to your underwriters and producers for the decision. External actions — an email, a proposal — wait for a one-click human yes. Deny it and it never happens.
Hard isolation between businesses and between clients, enforced at the database. Every action lands in an insert-only audit trail — SOC 2-ready from day one.
Agents run on your own AI provider key at wholesale prices, with a spend cap on every run. The AI bill is yours, visible per agent, per run — no black box.
Wholesalers & networks: run every agency from one seat.
A guided setup provisions each retail partner a fully walled-off workspace — their service agent, their website widget, their login — in minutes. See every agency’s activity and AI costs in one roll-up, and bill them your way through your own Stripe account. You set the prices; we just make it easy.
The partner model, in detailDo the math on the desk it takes over.
A service hire at $20/hr runs ~$50,000/year with taxes and benefits — and works 9-to-6. A governed agent covers the same questions all day, every day, for a fraction of it.
What does that role actually cost you today?
Includes ~30% for payroll taxes, workers’ comp, and benefits. Works ~40 hrs/week.
Built on a platform that can run any operation.
The same governed platform ships role-based teams beyond insurance — a SaaS Delivery Team, a Marketing Growth Team, a Bookkeeping & Finance Office, and more — ready in the library when your operation needs them. Insurance is where we live; the platform is where you grow.
Where this is going next.
Your agent answers the phone — takes messages, answers questions, books appointments — plus a branded video avatar, under the same never-do list and human approvals it has in chat.
Connect Claude (or any AI assistant) to your workspace and build a governed agent by describing it — template, never-do rules, and safety tests included. Live now for MCP clients.
Rehearse any agent against crisis and trick-question drills in a no-consequences test space before it ever talks to a policyholder. Included on every plan.
Solo $49 · Team $129 · Agency $499 with unlimited client workspaces. No message limits, ever.