Brokers drown in AI-driven policy requests
Insurance brokers now confront a critical challenge: clients increasingly rely on AI to generate policy requests at a pace that outstrips what brokers can process manually. This shift has created a surge in demand for broker services, but it has also forced a fundamental rethinking of how work is organized.
The bottleneck lies not in underwriting itself, but in the administrative burden. Sorting through submissions, extracting relevant data, and tracking down missing documents create a backlog that even AI has yet to fully resolve. By 2026, agentic AI systems are expected to assist underwriters by automating repetitive tasks, functioning as a supportive tool for the most laborious aspects of the workflow. However, the core inefficiency stems from fragmented systems. Many brokers waste hours manually transferring data between incompatible platforms, a process no one intended to become standard practice.
Firms still dependent on outdated technology or disjointed software solutions find themselves at a significant disadvantage. The industry’s heavy reliance on legacy tools means even the most efficient brokers struggle to keep pace with the volume of AI-generated client requests. Without a centralized platform capable of aggregating real-time client data, both productivity and customer satisfaction decline.
Arag’s recent 11% increase in squatters insurance sales over the first four months of 2026 demonstrates how rapidly market demands can evolve. The implementation of the Renters’ Rights Act compelled landlords to seek coverage urgently.
