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COGNISURE

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

Underwriting & Risk Startup Seed
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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

Customers

  • Acrisure
  • West Bend Mutual
  • QBE Insurance
  • Magmutual
  • Johnson-Kendall
  • MMA (Marsh McLennan Agency)
  • NII
  • Conner Strong
  • VGM

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Last updated: 2026-04-09