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Cover PrototypeOpen Workspace
Insured (Fictional)
Lanternfield IT Staffing
Line
Employer Group Health
Renewal Date
Feb 1, 2027
Opened By
Renewal Watch, AI Agent
Enrolled
31 Stated, 33 on Invoice
Employer Contribution
Unknown
Census
Not Received
Submission
Held for Licensed Broker

AI Agents Work Above the Line.Licensed Brokers Sign Below It.

Cover is a prototype workspace for insurance brokerages. Alex, a disclosed AI assistant, takes intake. Background AI agents watch renewals, flag missing documents and prepare the file. No recommendation or submission goes out until a licensed broker approves it.

Open WorkspaceWalk a Case Through
  1. 1Intake
  2. 2Qualification
  3. 3Estimate Preparation for Broker Review
  4. 4Licensed Broker Closing Handoff

Walk One Case Through

One fictional renewal, five stages. It’s a scripted simulation that runs in your browser, and you sign as the broker at the end.

Loading the Walkthrough

Case
CV-0142
Insured (Fictional)
Lanternfield IT Staffing
Renewal Date
Feb 1, 2027
Mode
Simulated

Alex Takes the Details

Alex, AI Assistant

Hi, I’m Alex, an AI assistant for this brokerage. I collect details for your licensed broker. I can’t quote, advise on coverage or bind anything.

Client Contact

This is the operations director at Lanternfield IT Staffing. We need to renew our employer group health plan. Around 40 people.

Alex, AI Assistant

Thanks. How many are eligible, and how many are enrolled today?

Client Contact

38 eligible and 31 enrolled, I think.

Alex, AI Assistant

Recorded as you stated it. What does the company contribute toward premiums?

Client Contact

Not sure. Our finance lead would know.

Alex, AI Assistant

I’ll mark that Unknown rather than guess, and add asking your finance lead as the next step.

Push Alex. Replies Are Scripted, Not a Live Model.

Who Holds the Pen

The line isn’t a setting. It’s the shape of the product, and it doesn’t move for a persuasive client.

AI Agents and Alex May

  • Ask intake questions one at a time, and say they are AI
  • Record what was said, with its source and when it was seen
  • Mark what isn’t known as Unknown
  • Watch renewal dates and flag missing documents
  • Compare documents and cite the page
  • Prepare illustrative estimates for a licensed broker to review
  • Draft a submission packet for review
  • Check issued policies and certificates against the request

Only a Licensed Broker May

  • Recommend coverage and answer coverage questions
  • Review an estimate and present it. An estimate is never a carrier quote.
  • Approve a submission
  • Bind coverage and move money. Cover has no authority to do either.

How the File Stays Honest

Four rules for every AI agent. Each one is working in the walkthrough above.

  • Every Value Keeps Its Source

    Renewal DateFeb 1, 2027Renewal Notice, p. 1

    See the Record

  • Unknown Stays Unknown

    Employer ContributionUnknownNext: Ask Finance Lead

    See the Record

  • Blocked Work Becomes a Task

    Enrolled31 or 33Task: Resolve the Conflict

    Confirm the Count

  • Writes Get Checked and Read Back

    PacketNot Yet ApprovedRead Back Runs After Signing

    Sign the Slip

Who It’s For

Brokerage teams, and the small businesses they serve. First focus: IT staffing firms, MSPs and IT services companies.

Health, business and property share one flow. Document collection, renewal follow-up and cancellation-risk triage fit the same pattern.

Prototype Status

Walkthrough on This Page
Working, Scripted, Runs in Your Browser
Workspace
Prototype, Fictional Data Only
Carrier and Portal Connections
None Live
Real Carrier Quotes and Eligibility Decisions
None. Cover Doesn’t Make Them
Estimates
Illustrative, From a Fictional Rate Sheet, Never a Carrier Quote
Real Client or Health Data
Please Don’t Enter Any
Compliance Certifications
None Claimed

The Pen Stays With You.

Open Workspace