Artificial Labs
Algorithmic underwriting and digital broking technology for the Lloyd's and London Market
Overview
Artificial Labs is a leading provider of algorithmic underwriting and digital broking technology for the specialty and commercial insurance markets. Based in London, the company enables insurers, brokers, and Managing General Agents to automate the placement and underwriting of complex commercial and specialty risks through its Contract Builder and AI-driven underwriting platform.
The company has become the dominant technology provider for the Lloyd's of London market, with its Contract Builder deployed across more than 70% of the London Market. Artificial integrates deeply with London Market infrastructure, including Placing Platform Limited (PPL), to enable Blueprint Two-compliant digital placement workflows.
In February 2026, Artificial Labs closed a USD 45 million Series B funding round led by CommerzVentures and Move Capital Fund I, with participation from existing investors including Augmentum Fintech, 6 Degrees Capital, FOM, and TrueSight Ventures. The company plans to use the funds to accelerate its expansion into the US market and double its headcount over the following 12 months.
Products & Services
Contract Builder
A digital contract drafting and management tool for structured, compliant risk documentation in the London Market. Contract Builder generates Lloyd's Blueprint Two-compliant contracts and is integrated with Placing Platform Limited (PPL) for streamlined algorithmic placement.
Key Features
- Blueprint Two-compliant contract generation
- Integration with PPL for London Market distribution
- Structured data capture and document management
- Deployed across 70%+ of the Lloyd's London Market
Target Users: Lloyd's syndicates, specialty brokers, London Market underwriters
Smart Follow Platform
Enables autonomous following and decision-making within pre-set risk appetite and authority parameters. Underwriters configure rules and thresholds; the platform then evaluates incoming risks and autonomously decides whether to follow each one based on CDR-compliant slip data.
Key Features
- Autonomous follow/no-follow decision engine
- Configurable risk appetite and authority parameters
- CDR-compliant slip data ingestion
- Production-proven across Marine Hull, General Aviation, and Marine Cargo lines
Target Users: Lloyd's syndicates, specialty carriers, reinsurers
Algorithmic Underwriting Platform
Core machine learning and AI-driven platform for automated risk assessment, data extraction, and pricing. Automatically captures, structures, and enriches risk data from emails, PDFs, spreadsheets, and Word documents, then applies configurable underwriting rules and pricing models.
Key Features
- AI-driven data extraction from unstructured documents (email, PDF, Word, spreadsheet)
- Automated risk scoring and pricing integration
- Custom underwriting decision workflows
- Real-time risk enrichment and structuring
Target Users: Carriers, MGAs, Lloyd's syndicates, specialty underwriters
artificialOS
Cloud-based API product providing developer access to integrate Artificial's capabilities into existing systems and legacy platforms. Includes Universal Tools for third-party integrations and custom enterprise solutions.
Key Features
- REST API for third-party integration
- Universal connector tools for legacy systems
- Guidewire-compatible integration support
- Developer-first architecture for enterprise customization
Target Users: Carriers and brokers seeking API integration with existing platforms
At a Glance
- Founded
- 2013
- Headquarters
- London, England, UK
- Employees
- 51-200
- Funding
- Series B
Category & Focus
- Category
- Underwriting & Risk
- Subcategories
- Algorithmic Underwriting Digital Broking Contract Management
- Insurance Verticals
- Specialty/E&S P&C Commercial Reinsurance
- Target Customers
- Carriers, Brokers, MGAs/MGUs, Reinsurers
Customers
- Apollo Syndicate (Marine Hull, General Aviation, and Marine Cargo via Smart Follow)
- Lockton (UK broker partnership for Contract Builder, 2023)
- Convex Insurance (London Market syndicate)
- Chaucer (Lloyd's syndicate)
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Last updated: 2026-05-11