“This is what AI is meant to do; for those repetitive, systematic ways of thinking, we should write algorithms to do that, so that humans can do what they do best; manage portfolio and manage relationships.”
Dominic Grimaldi, Business Solutions Lead
An agentic underwriting platform built for the complexity of Markel's book. Submission triage, portfolio steering, and on-strategy quotes across every program and class.
Dominic Grimaldi, Business Solutions Lead
reduction in systems used
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reduction in time to quote
“By constantly iterating and improving our workflow with Federato, we’ve been able to 3.7x the percentage of our bound policies that meet our definition of high appetite, further extending our leadership in the markets we serve while building trust with our capital providers, customers, wholesale partners and employees.”
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high-appetite quotes
lift in high-appetite premiums
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“Prior to Federato, we had nine different systems throughout a submission process; we’ve consolidated that down to one.”
specialty programs on one platform
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underwriters retrained on a new system
Markel Specialty, State National, every program in between. The legacy core can't see across them, can't steer appetite in real time, and can't keep up with the pace of E&S. Federato gives your specialty underwriters one operating system without a rip-and-replace.
Less than 25% of bound specialty risk actually meets your appetite
Overwhelming submission volume across E&S, marine, and professional liability. The best deals sit in a queue while underwriters triage manually.
Zero visibility across programs. Markel Specialty doesn't see what State National sees, and neither sees the whole book in real time.
Patched-together legacy core, dozens of program-specific point tools, and a data layer that can't talk to itself.
Federato keeps every Markel program on strategy.
Agentic AI triages every submission across Markel Specialty and State National, then drafts on-strategy quotes in seconds for underwriter review.
Single pane of glass across every program, every class, every wholesale broker.
Total real-time visibility into appetite drift and program-by-program performance, before it shows up in the loss ratio.
Guru Vasudeva, SVP & CIO, Nationwide
First in, first out. Mostly random manual review.
Basic automated ranking, with manual follow-up.
Once a triaged task is selected, AI tools provide decision support.
The system automatically drafts the best triaged deals and explains its reasoning. The underwriter adjusts for nuance and manages the relationship.
AI fully executes a subset of deals that clearly fit strategy according to predefined rules and guardrails. Decisions are randomly audited by underwriters for quality control.
Federato was built by specialty underwriters for specialty underwriters. Markel Specialty, State National, and every program in between work the way they always have, only faster.
Triage submissions across D&O, cyber, marine, and professional liability. Steer the portfolio in real time. Quote on-strategy. Consolidate the workflow without disrupting a single underwriter's judgment.
Adriana Cisneros, Head of Underwriting
See the agentic underwriting demo your specialty underwriters won't want to give back.
