AllDigital Specialty
AI-powered MGA and technology platform delivering fast, digital management liability coverage for small businesses.
Overview
AllDigital Specialty is an insurtech MGA and technology-as-a-service (TaaS) company specializing in small commercial management liability insurance. Founded in 2019, the company leverages artificial intelligence and a private, permissioned blockchain network to enable brokers, insurance carriers, and claims administrators to transact management liability coverage quickly and cost-efficiently.
The platform delivers bindable quotes in as few as 3 minutes through a self-service portal, targeting the historically underserved small and middle-market private company segment. AllDigital operates on a dual-track model: as an MGA with underwriting authority from carrier partners AXIS Insurance and Core Specialty, and as a technology provider offering its digital underwriting infrastructure to other insurers and administrators.
AllDigital serves a network of 16+ broker firms and 1,000+ individual broker partners, and is connected to the broader retail market through an API integration with Appulate's network of 35,000 retail member firms and 250,000 individual brokers.
Products & Services
Primary Management Liability
AllDigital acts as MGA for small private and non-profit companies needing primary management liability coverage written on AXIS Insurance paper (AM Best rated "A"). Coverage:
Key Features
- Directors and Officers (D&O) Liability
- Employment Practices Liability (EPL)
- Fiduciary Liability
- Non-Admitted Primary Management Liability
Target Users: Private and non-profit organizations with up to USD 100M in revenue and up to 125 employees
Distribution: Wholesale and retail brokers via self-serve portal and Appulate API integration
Follow-Form Excess Management Liability
Excess coverage written on Core Specialty paper, providing additional limits above primary programs. Coverage:
Key Features
- Follow-form excess above primary management liability programs
- Limits up to USD 5M per coverage part
Target Users: Private and non-profit organizations with up to USD 250M in revenue and up to 250 employees, all 50 states (non-admitted)
Distribution: Direct via broker portal
Technology-as-a-Service (TaaS)
AllDigital licenses its AI and blockchain-based underwriting infrastructure to other insurance carriers and administrators.
Key Features
- Customizable AI risk simulator
- Private permissioned blockchain transaction network
- White-label portal for underwriters, brokers, and carriers
- Low-cost cloud infrastructure eliminates need for internal IT systems
Target Users: Insurance carriers and claims administrators