Septim AI — Insurance Brokers
Twelve Claude agents for the brokerage that drafts the same renewal letters every quarter.
Quote comparisons, claim note summaries, renewal reminders, coverage gap explanations, carrier inquiries, annual review prep — pre-built for how an insurance brokerage actually operates. 一次付费。 The files are yours.
The generic option
ChatGPT
Knows what insurance is. Has never read a BOP endorsement. Writes renewal letters that sound like they came from a bank. Doesn't know what step therapy means, can't format a prior auth, and invents carrier details when it runs out of knowledge. You catch it every time.
The consultant option
$5,000+
An insurance AI consultant charges $5,000–$10,000, requires extensive scoping, and delivers a system your producers can't maintain without calling them. When a compliance requirement changes mid-year, you're paying for another engagement. Not sustainable for an independent brokerage.
Septim AI Operator
$499
Twelve agent files built for insurance brokerage workflows — quote comparisons, claim summaries, renewal reminders, coverage gap memos, carrier inquiries, cross-sell analysis, compliance summaries, annual review prep. Every agent knows what not to say. 一次付费。
Three tiers
Start where it makes sense.
The $99 Kickstart is for a solo broker who wants to test the model. The $499 Operator is for a brokerage with account managers and a renewal backlog. The $2,499 Embedded is for a larger shop that wants custom workflows and producer training.
Kickstart
$99
lifetime · one user
- 5 generic agent files: Writer, Customer Replier, Bookkeeping Helper, Scheduler, Researcher
- "Where to Put These" setup guide (PDF) — works in 5 minutes
- "Your First Week with AI" 7-day checklist
- 30 days email support
- Good for solo brokers with no staff
Operator
$499
lifetime · insurance vertical · 1–10 staff
- 12 insurance-specific agent files
- 30-day week-by-week rollout playbook
- 7 copy-paste prompts for the highest-volume daily tasks
- 60-minute onboarding call with the founder
- 30 days async email support
- Free quarterly updates for 12 months
Embedded
$2,499
lifetime · per vertical · 10–50 staff
- Everything in Operator
- Discovery session: we map your systems, workflows, and compliance requirements
- Custom agent files tuned to your brokerage's voice and lines of business
- 3 training calls (90 min each): owner, account manager team, admin
- 90 days async email support
- 30-day adoption check-in call
- Money-back guarantee if no measurable wins by Day 30
Insurance pack — 12 agents
Every agent handles one job well.
Each file is a Claude instruction set for a specific brokerage task. The account manager runs the renewal reminder. The producer uses the cross-sell finder before the review call. The broker reviews all drafts before anything goes to a client or carrier.
01
Quote Comparison Writer
Turns 2-4 carrier quotes into a readable comparison table and narrative. Names the tradeoffs directly. Never invents premium figures — only works with what the broker provides. Broker reviews before client delivery.
02
Claim Notes Summarizer
Condenses a claims file or adjuster correspondence into a structured status memo: snapshot, timeline, outstanding items, broker action items. Flags dollar figures for verification. Neutral — no editorial about carrier fairness.
03
Renewal Reminder Writer
Drafts 60-90 day renewal outreach that opens a review conversation rather than just announcing a bill. Three natural paragraphs: what the broker reviewed, what to discuss, one specific ask. Never quotes premiums without confirmation.
04
Coverage Gap Explainer
Plain-English explanation of a coverage gap, exclusion, or sublimit. Names the scenario it applies to and the out-of-pocket consequence. Presents options neutrally. Never tells the client to buy something — that's the broker's conversation.
05
Carrier Question Router
Drafts structured underwriter inquiries with numbered questions and specified response formats. Organized to get answered in one email rather than four. Account name and policy number in the first two lines, every time.
06
Client Onboarding Checklist
Welcome document and intake task list for new commercial or personal lines clients. States exactly what documents are needed, why, and where to send them. Never promises premiums before the market process.
07
Risk Questionnaire Prep
Section-by-section guide for clients completing a carrier application. Plain-English translation of what each section is asking. Common mistakes flagged. Accuracy-first — never advises clients to omit information.
08
Policy Language Translator
Translates a specific policy clause or exclusion into plain English. Three-part format: verbatim clause, translation, what it means for this client. Flags genuine ambiguity rather than resolving it by guessing.
09
Complaint Escalation Drafter
Formal escalation letters to carriers for claim delays and non-responses. Chronological, fact-based, professional. Never alleges bad faith without broker direction and legal consultation. Creates a paper trail.
10
Cross-Sell Opportunity Finder
Broker-facing gap analysis ranked by risk relevance to the client, not premium size. Each opportunity includes a triggering question to open the conversation naturally. Internal use only — not a client pitch document.
11
Compliance Update Summarizer
Condenses a regulatory bulletin or carrier compliance notice into a four-section broker memo: what changed, when it takes effect, who it affects, what action is required. Flags ambiguity for compliance counsel review.
12
Annual Review Prep
One-page pre-meeting brief: current coverage snapshot, framework questions for what changed, meeting agenda, five to eight specific client questions, post-meeting action table. Scannable in five minutes before walking into the account.
FAQ
Straight answers.
Will the agents ever confirm coverage or quote premiums to clients?
No — that's an explicit guardrail in every client-facing agent. The agents draft communications; the licensed broker reviews and approves before delivery. The quote comparison agent, for example, won't include a premium figure unless the broker provides it from the carrier quote sheet. Coverage decisions stay with the broker.
Are these E&O safe?
The agents are designed to support the broker's workflow, not to make coverage determinations independently. Every client-facing agent includes a broker review note. No agent characterizes coverage as adequate, insufficient, or required without the broker's explicit input. That said, the broker carries E&O responsibility for everything that goes to a client — these are tools, not replacements for professional judgment.
Do I need to know how to code?
No. The agent files are plain text you copy into Claude's Projects feature. The setup guide shows exactly how in four screenshots. The 60-minute onboarding call walks you through it live if anything is unclear.
What's the refund policy?
Operator ($499): 14-day refund if you attempted setup and the agents didn't work for your use case. Embedded ($2,499): full money-back guarantee if you can't demonstrate at least 3 tasks your team handles faster by Day 30. Email support@septimlabs.com — no form required.
Can I use these across multiple producers?
The Operator pack is licensed for 1-10 staff at a single brokerage. If you have multiple offices or want enterprise licensing for a larger team, email us and we'll work something out. The Embedded tier includes custom licensing for larger shops.
Do I need a Claude subscription?
Yes. The agents run inside Claude's Projects feature, which requires a Claude Pro or Team subscription ($20/month from Anthropic). That's the only ongoing cost. The setup guide covers how to get it configured if you're starting from scratch.
Ready to start
The Insurance pack is live.
If your account manager saves 5 hours this week on renewal letters and claim summaries, the pack pays for itself before the next renewal call. 14-day refund if it doesn't.
Pay once · Files are yours · 60-min onboarding call included · support@septimlabs.com