Qumis is the coverage intelligence platform for commercial P&C insurance professionals. Built by coverage attorneys and trained on thousands of commercial programs, it combines legal-grade policy analysis with proprietary market intelligence.
Commercial insurance runs on contracts whose meaning depends on context: how an exclusion interacts with an endorsement, how a clause compares to market standard, what a coverage position will hold up against. Coverage intelligence is the analytical layer built for that work — not faster document processing, but deeper document understanding.
Built by coverage attorneys and trained on the interpretive frameworks experienced counsel use to analyze coverage questions. Reads exclusions, conditions, and endorsements as the distinct structural elements they are, rather than as undifferentiated text.
Every conclusion traces back to source policy language. Defensible documentation that withstands scrutiny from insureds, regulators, and bad-faith plaintiffs, with built-in “I don’t know” safeguards when evidence is insufficient.
A proprietary database of thousands of commercial insurance programs benchmarks every analysis against market norms, turning each policy review from a standalone reading exercise into a market-informed coverage evaluation.
Workflow tools and AMS platforms move documents faster: submissions intake, proposal generation, data entry. They handle the motion of insurance work. But the deeper questions of what coverage actually applies, where gaps exist, and what the policy means in context still fall to senior coverage experts and outside counsel.
Applied Epic, Sagitta, ImageRight, SharePoint, Outlook. The infrastructure your team already runs on: storing policies, routing work, holding the file of record.
Tools that speed up document movement: extracting fields from forms, generating proposals, automating intake. Faster processes. But no deeper understanding of the contract itself.
The analytical layer that understands what a policy actually means: how exclusions interact, where coverage falls short of market, how to position and defend a determination. Until now, this lived in your most senior people’s heads — or a $700/hour outside counsel invoice.
Qumis is the missing layer: the intelligence that sits on top of the stack you’ve already built. It doesn’t replace your AMS or your workflow tools. It makes every coverage decision sharper, more defensible, and more market-informed.
Qumis produces coverage analyses, side-by-side comparisons, gap detection against market benchmarks, and structured policy data extraction. Every output is traceable to source policy language. The platform fits alongside the AMS, document management, and email tools your team already uses.
A Qumis coverage analysis report — every clause cited, every conclusion sourced.
Built and trained by coverage attorneys. Multi-agent architecture mirrors actual legal review processes. Citation-linked outputs and “I don’t know” safeguards prevent the hallucination that makes generic AI dangerous in insurance.
Doesn’t move documents faster — understands what’s inside them. Proprietary insurance taxonomies surface clause roles. Structured extraction turns illiquid contract intelligence into queryable, programmatically analyzable data.
A database of thousands of commercial programs benchmarks every analysis against market norms. Surface where coverage falls short, what best-in-class looks like, and how a clause compares to standard market language.
Layered programs, endorsement towers, complex amendments. Document Vault for cross-portfolio analysis. Prompt Library for team-wide consistency. Purpose-built for commercial insurance, not adapted from generic document processing.
Qumis has earned the trust of top-tier brokerages and carriers handling the most complex commercial programs in the U.S. market.
NFP producers cut time on complex policy reviews by 80%, giving them more time to spend with clients.
Nearly every brokerage that has piloted Qumis has converted to a paid contract.
Five of the top fifteen U.S. insurance brokerages run Qumis in production today.
A proprietary corpus of commercial programs across major lines of business: the foundation for every market benchmark Qumis produces.
“Qumis makes our policy reviews faster, sharper, and more accurate. It’s a no-brainer.”
Show prospects exactly how their coverage compares to programs across their industry, with citations to back every recommendation. Less time wading through PDFs, more time selling.
Surface coverage gaps and market context proactively. Answer client questions with citation-linked confidence instead of “I’ll get back to you.” Handle a growing book without the 2 AM panic.
Citation-backed analysis that catches every applicable exclusion and endorsement, strengthened by market intelligence on how comparable provisions are written. Reserve outside counsel for the matters that actually require it.
A talent multiplier and a competitive moat: every account manager and producer operates with the analytical depth of your most experienced people, with citation-linked documentation that protects against E&O exposure.
Bring a complex program to a 30-minute demo. We’ll run it through Qumis live and walk you through every finding.