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Notes on AI, agents and insurance.

Writing from the Refactor AI team on building and running AI agents for insurance: what works in brokerages and carriers, and what we are learning along the way.

INDUSTRY INSIGHTS·Jatin Sandilya·September 7, 2026

Speed is the ultimate edge in E&S

In excess and surplus lines the first submission in the door blocks the rest, however well prepared they are. After quoting around $300k in premium, here is what that taught us, and what we built because of it.

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