“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
Built for Travelers · Book the walkthrough →Federato ×
Commercial P&C, at Travelers scale.
Federato unifies submission triage, portfolio steering, and agentic quote prep into one platform. Your 14,000 underwriters and BD partners spend cycles on judgment, not legacy screens.
Built for the way Travelers underwrites.
9 → 1
From 9 underwriting systems to 1, without a 3-year rip-and-replace
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89%
faster commercial submission to bound 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.”
Rod Harden, President and Head of Operations
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3x
high-appetite commercial accounts bound
30%
lift in high-appetite commercial premiums
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“Prior to Federato, we had nine different systems throughout a submission process; we’ve consolidated that down to one.”
Adam Barnett, Chief Executive Officer
2x
commercial submissions cleared per underwriter, per day
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11%
higher hit ratio across the agency channel
Top-5 commercial carriers can't afford another rip-and-replace.
Travelers' legacy stack across BondPro, Bond & Specialty, and Business Insurance is too patched together to use all your submission and policy data, too brittle to support agentic AI, and too slow to keep up with how your 14,000 underwriters and BD partners actually work in 2025.
Travelers' Old Core
Less than 25% of bound commercial risk actually fits the appetite the home office set.
Overwhelming submission volume across workers comp, commercial auto, GL, and property, with no way to act on the best accounts before they age out.
Zero real-time visibility into appetite drift across the $40B book.
Nine separate underwriting systems and point solutions mean disconnected data, slow agency turnaround, and combined-ratio surprises.
Federato
Federato prevents strategy drift.
Agentic AI delivers thorough analysis and complete quotes to teams for review within seconds.
Single pane of glass view of the entire workflow.
Total visibility into real-time changes in appetite and goal progress.
The only AI-native platform that spans the full policy lifecycle
“Lots of people are talking about Agentic AI as the future, but Federato is doing it now.”
Guru Vasudeva, SVP & CIO, Nationwide
Federato unlocks a new level of AI for the industry
MATURITY LEVEL 01
FIFO
First in, first out. Mostly random manual review.
MATURITY LEVEL 02
Triage
Basic automated ranking, with manual follow-up.
MATURITY LEVEL 03
AI Decision Support
“Prepare a quote for this with a $15k deductible”
Once a triaged task is selected, AI tools provide decision support.
MATURITY LEVEL 04
Supervised AI Underwriting
“Automatically quote good deals for my review”
The system automatically drafts the best triaged deals and explains its reasoning. The underwriter adjusts for nuance and manages the relationship.
MATURITY LEVEL 05
True Agentic AI Underwriting
“Automatically quote the safest good deals within guardrails”
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.
“Just one account with a better risk decisioning framework can pay for IT transformation for decades.”
Greg Puleo, Vice President, Digital Transformation
What our platform delivers
Our platform was built by P&C and specialty insurance underwriters for underwriters.
It helps teams triage submissions, focus on the highest-value business, get real-time feedback and visibility at the portfolio level, and consolidate their workflows into a single, proven system.
"The rater that we created with Federato is a very important part of our underwriting system; it helps us get the premium we need.”
Adriana Cisneros, Head of Underwriting
Who we work with
Carriers
Dynamically optimize your portfolio in real-time to align with shifting appetites, and modernize your system in record time.
“When you consider that we’re putting out tens of millions of dollars’ worth of limit, just one account with a better risk decisioning framework can pay for IT transformation for decades. Multiply that across a portfolio and the potential return on Federato’s platform becomes abundantly clear.”
Greg Puleo, Vice President, Digital Transformation
MGAs
Federato’s AI-native platform spans the full policy lifecycle. We help MGAs sign more high-appetite business and never drift off strategy in execution.
“Federato has given us the ability to measure critical business metrics we simply couldn’t track before, and has really enabled our fundamental business strategy of being a data-centric MGA.”
Reid Spitz, CEO and Cofounder
MGA Aggregators
We help MGA Aggregators get better visibility into their programs, and reduce the costs of managing their portfolios.
“Federato is a great partner for any insurance company that is looking to truly innovate, and is looking to make their process much more modern and faster.”
Meloney Dillingham-Hudson, VP Operations & Program Management
Mutuals
With Federato, mutuals get a fast track to modern, efficient, tech- enabled insurance operations, with the tools to build a profitable business mix.
“The transformation we expect to achieve with Federato will be vastly impactful on our operational efficiency. Our underwriters will be equipped with the tooling and data to quote and bind policies quickly and effectively, simultaneously improving our client experience and our bottom line.”
Nancy Newmister, CEO
Ready to get started?
