ITC Vegas 2026 · Solutions Stage

From Inbox to Renewal

Kyle Geoghan

Founder & CEO, Indemn

The digital workforce for insurance Indemn

The question

Where will AI create the most value in insurance over the next five years?

Behind the scenes

Making today's operation more efficient

4 hrsa week saved by agents who use AI, mostly on notes and marketingLiberty Mutual Agency Growth Study · Aug 2026

At the front door

Improving chat, email and voice

6%of insurance buyers would rely on AI aloneBig “I” consumer survey · Sep 2026

Across the workflow

Making insurance work accessible in natural language

29%of auto and home customers already use AI for their insuranceJ.D. Power AI Insurance Experience Study · Aug 2026

Our answer

Where AI has the most leverage.

Improve an isolated task

10%

of P&C insurers have successfully scaled AI. Most AI in P&C is still at the task level.

Capgemini World P&C Insurance Report · May 2026

“AI won't deliver real value if dropped into legacy operating models designed for human-led execution.”BCG · Mar 2026

Across the whole workflow

Every step, in natural language

understandwhat the customer is asking

explaincoverage, in plain words

gatheronly what's missing

actin the systems of record

hand offto a person, with the context

learnfrom every outcome

67%

welcome AI that finds coverage gaps, answers faster and improves serviceBig “I” consumer survey · Sep 2026

Why we know

We learned this by operating insurance.

Access to expertise

The agency

A person could translate a complicated product, understand the context and own the relationship.

Access to products

CoverWallet

Commercial insurance online. Distribution grew. But a form on a website did not complete the transaction.

Access to the workflow

EventGuard

A specialty program we built and operated. The conversation gathered, explained and completed the sale, and brought in a person when needed.

Conversation completed the transaction.

Later acquired by Jewelers Mutual

The proof · EventGuard

We do not measure answers.
We measure insurance work.

5,393

policies bought in conversation

Conversations started49,049

Reached a quote10,080

Bought a policy5,393

1 in 9 conversations ends in a bought policy.

Policies bought in conversation, by month

Live today

Live across insurance distribution.

Wholesale broker workflows

Broker portal chat, plus email-driven quote and bind

MGA workflows

Submission intake and multi-carrier comparative rating

Agency distribution

Open-enrollment voice intake, plus a small-commercial renewal pilot

Specialty digital distribution

EventGuard's conversational sale, acquired in 2026

Specialty MGA

AI expert for emerging-fund management liability

Home and auto carrier

A live voice agent answering member calls

“

While our customer service team was initially skittish about adding AI, they're now enthusiastic supporters because they have fewer chats to handle…

Juan Carlos Diaz-PadronChief Underwriting Officer, GIC Underwriters

How we build

Start where AI can change the outcome.

Prove on evidence.
Expand on evidence.

1Choose

2Define

3Build

4Prove

5Improve +
expand

1 · Choose

One sales or service workflow where language changes the outcome.

2 · Define

The baseline and ROI across the Four Outcomes.

3 · Build

Approved knowledge, mapped authority, connected systems.

4 · Prove

AI tests AI on a rubric. People review the exceptions.

5 · Improve + expand

Measure, correct, monitor. Add workflows on evidence.

Measured on four outcomesRevenue growthOperational efficiencyClient retentionStrategic control

How it works

Conversation is the interface.
The digital workforce does the work.

The request

Chat

Voice

The digital workforce

Carries the context

CustomerPolicyProgramDistribution

Does the work

SellServiceRenewCross-sell

Your systems

AMS · PAS

CRM

Carrier

Payment

Human authority · Evaluation · Compliance oversight · Audit · Continuous improvement

SOC 2 Type II audited

The book of business synced from the agency's AMS, with Keel & Pier Foundation Co. flagged 60 days out

The automatic 60-day renewal check-in to Dana

Dana's reply: payroll about $842K, two new subcontractors, more residential work

One small-commercial renewal

Sample data · simulated workflow

Small-commercial renewals roll over on autopilot.

Nobody asks what changed, so the gaps surface later: at audit, at claim time, or as an E&O problem.

750 vs 547satisfaction out of 1,000 when insurer and agent both understand the business, vs neitherJ.D. Power Small Commercial Study · Aug 2026

37%of owners strongly agree they update coverage as they growERGO NEXT underinsurance report · Jul 2026

1The customer says what changed

2It's checked against last year's file

3A coverage gap surfaces

4The producer makes the call

$Dana's reply email with the changes highlighted$

1 · The customer says what changed. Payroll up to $842K, two new subcontractors, more residential work.

Last year's exposures on file beside what Dana said

2 · Checked against last year's file. Each change lined up, only the missing answers asked for.

The commercial umbrella opportunity with reasons from Dana's words

3 · A coverage gap surfaces. A $2M commercial umbrella, every reason from Dana's own words.

Maria's prepared case with judgment calls flagged

4 · The producer makes the call. Maria gets a prepared case; issuance stays with her.

Click to play the renewal

Play the renewal video · 1:42

The renewal, end to end · 1:42Sample data · simulated workflow

The renewal, end to end · the 1:42 product video · sample data, simulated workflow

Watch the 1:42 video Try the live demo

Where will AI create the most value? → Across the workflow.

The prize is not a cheaper process.

It is a larger, more accessible insurance market.

More people can understand and act on more coverage. More programs can reach customers through the people and platforms they already trust.

Bring us one program and one workflow.

We'll map the questions, context, system actions, human authority and business result together.

Kyle Geoghan · kyle@indemn.ai · indemn.ai

ITC Vegas 2026 · Solutions StageFrom Inbox to Renewal

Thank you.