Quote & Bind
Your product, sold 24/7, on every channel. From first conversation to bound policy.
The Distribution Bottleneck
You built the product. You have binding authority. You know your underwriting guidelines inside and out. But getting that product in front of customers? That’s where it breaks down.
Web forms convert at 2% — guided conversational quoting achieves a 25% lift in conversion. Phone calls go to voicemail after 5 PM. Agents email quotes that sit unopened for days. And every hour your product isn’t available is revenue walking out the door.
The problem isn’t your product. It’s your distribution.
We stand up a complete digital sales channel — the Quote & Bind Associate understands your product, your underwriting guidelines, and your compliance requirements. It engages customers through any channel, qualifies risks on the spot, generates quotes, binds policies, collects payment, and issues documents. Twenty-four hours a day, seven days a week.
Not a web form with a coat of paint. An intelligent Associate that sells insurance the way your best producer would — if they never slept. And when the risk is complex or the judgment call matters, the Associate queues it for human review. You control exactly where the line is.
We know this works because we built it ourselves — Indemn created, scaled, and sold a fully digital MGA to Jewelers Mutual Insurance, with our Associates completing over 90% of policy sales without human intervention.
The scenarios below are examples. Event insurance, specialty commercial, personal lines — three very different products, three very different workflows. The platform handles any product you have binding authority for. Your Associate is production-ready in approximately 60 days.
See It In Action
Pick a product. Watch the sale close itself.
One Product. Unlimited Distribution.
Configure your product once — deploy branded sales channels for every distribution partner, venue, or market segment.
Event Insurance
Coverages, rating, compliance — configured once
Adventure Event Coverage
rei.yourbrand.com/events
Wedding & Reception Coverage
plaza.yourbrand.com/weddings
Conference & Expo Coverage
acc.yourbrand.com/events
One Workflow. Every Channel.
It doesn't matter how the request arrives. The same intelligent automation handles it.
Email Inbox
A request lands in your inbox. Our AI reads it, extracts the details, and starts working — before your team even sees it.
Phone & Voice
A caller needs a document. Our voice associate captures every detail and routes it directly into the fulfillment workflow.
Web Chat
A visitor requests a document through your website. Instant intake, instant processing.
Same automation. Same compliance. Same result.
Works With Your Systems
Integrate with what you have, or let us handle everything.
Standalone
We build and host everything — your product, your branding, our infrastructure. Go live in weeks, not months.
AMS Integration
Connect to your agency management system. Policies, customers, and commissions sync automatically. No double entry.
Carrier Portal
We automate workflows directly in carrier systems — quoting, binding, document retrieval. Even complex multi-step portals.
Frequently Asked Questions
What types of insurance products can this handle? +
Any product you have binding authority for — event insurance, specialty commercial, personal lines, professional liability, inland marine, and more. The platform adapts to your product's specific underwriting guidelines and rating structure.
How does the human-in-the-loop work? +
You define the guardrails. Simple, standard risks bind automatically. Complex or high-value risks route to your underwriting team for review. They approve or decline directly in the workflow, and the Associate continues from there. You control exactly where the threshold sits.
Is this compliant with state insurance regulations? +
Every workflow includes configurable compliance checks for binding authority, state-specific disclosure requirements, and regulatory guardrails. We work with your compliance team to ensure the automation meets your E&O and regulatory obligations.
What channels are supported? +
Web chat, phone (AI voice associates), email, and SMS. Every channel uses the same underwriting logic, the same compliance checks, and the same binding rules. Customers get a consistent experience regardless of how they reach you.
How long does it take to set up a new product? +
A standard product can be live in approximately 60 days. We configure your underwriting guidelines, rating tables, compliance rules, and branding — then deploy across all channels simultaneously.
Do we need to change our existing systems? +
No. We integrate with your existing AMS, carrier portals, and rating engines — or we can operate as a standalone system. Your choice, based on what makes sense for your operation.
Let's Build Your Distribution Channel
Every MGA has unique products, unique carriers, unique compliance requirements. We partner with you to build the digital distribution that fits your operation.