COGNISURE

AI-powered submission intake and underwriting automation for commercial P&C insurance

Underwriting & Risk Startup Seed

Overview

COGNISURE is an AI-powered insurance technology platform that automates submission intake, loss run analysis, and underwriting workflows for commercial P&C insurance. The platform uses a three-layer AI architecture -- Document AI, Underwriting AI, and Conversational AI -- to extract and structure data from unstructured insurance documents such as submissions, loss runs, policies, and quotes.

COGNISURE empowers carriers, brokers, and MGAs with faster quote-to-bind cycles, enhanced risk decision-making, and dramatically reduced manual data entry. The platform delivers measurable outcomes: 90% faster time to quote for carriers, 3X underwriting capacity boost, and 70% faster market submission for brokers.

The company has grown to 90+ employees as of 2025, reflecting 20% year-over-year growth, and serves multiple Fortune 500 insurers and top-10 brokers across its commercial P&C product suite.

Products & Services

Submissions Suite

AI-powered submission intake automation covering major commercial P&C lines. Each product automates the extraction, structuring, and routing of submission data from unstructured documents. Products:

Key Features

Truckers 360: Commercial trucking submission automation
Workers Comp 360: Workers compensation submission processing
Construction 360: Construction industry submission intake
Mid-Market 360: Mid-market commercial submission automation
Healthcare 360: Employee benefits submission processing
Property 360: Commercial property submission automation
Extracts structured data from PDFs, XLSX, XLS, and CSV formats
Outputs to JSON and XML for downstream system integration
Integrates with Guidewire, Duck Creek, and legacy policy admin systems via RESTful API

Target Users: Carriers, Brokers, MGAs

Loss 360

Automated loss run processing and data extraction, launched in 2024 with 9 pilot customers.

Key Features

Automated ingestion and analysis of loss run documents
Structured data output for underwriting decision support
Reduces manual loss run review time significantly

Target Users: Carriers, Underwriters

Benefit 360

Health insurance and employee benefits document automation platform.

Key Features

Automated processing of employee benefits documents
Supports health insurance submission workflows
Structured data extraction for benefits administration

Target Users: Benefits carriers, Brokers

Core AI Platform

The underlying three-layer AI architecture powering all COGNISURE products:

Key Features

Document AI: Extracts information from unstructured documents using LLM and Visual AI
Underwriting AI: Risk triage and decision support for underwriters
Conversational AI: Interactive engagement with submission data and document insights

At a Glance

Founded: 2019
Headquarters: Naperville, IL, USA
Employees: 51-200
Funding: Seed

Category & Focus

Category: Underwriting & Risk
Subcategories: Submission Intake Automation Document AI Loss Run Processing Underwriting Workbench
Insurance Verticals: P&C Commercial Workers Compensation Health Group Benefits
Target Customers: Carriers, Brokers, MGAs/MGUs