openinsurance

Research & Development

Reading the landscape of insurance, then reshaping it.

From product design and underwriting to distribution and operations, we study how the insurance ecosystem actually behaves—and use those insights to shape Open Insurance and Open OS. This is where those explorations live.

Insurance information is scattered across portals, PDFs, and outdated systems. Agents and consumers deserve better—instant access to any policy detail, on demand.

By building the first LLM dedicated to insurance, we can finally make policy data accessible.

Open Insurance Labs

We envision a future where finding insurance information takes seconds, not hours. Where an agent can ask a question about any policy and receive an accurate, sourced answer instantly—no more digging through carrier portals or deciphering dense policy documents.

There are over 6,000 insurance carriers in the United States alone, each with their own systems, formats, and portals. The fragmentation is staggering. Our goal is to build the first large language model specifically trained to navigate this complexity—an AI that can extract, understand, and surface insurance policy data through natural conversation.

We're developing agentic browsing capabilities that allow our model to autonomously navigate carrier systems, retrieve policy details, and synthesize information from multiple sources. This isn't just search—it's intelligent extraction that understands the nuances of insurance language, policy structures, and regulatory requirements.

Our name, Open Insurance, reflects our commitment to making insurance information accessible to everyone. We believe that when agents and consumers can truly understand their coverage, the entire industry benefits.

Serene beachfront scene symbolizing clarity and accessibility in insurance information - Open Insurance Research

with clarity,

The Research Team

Insurance operations are built on decades-old systems that require armies of developers to maintain. Every carrier, FMO, and agency deserves enterprise-grade tools without enterprise-grade complexity.

By building the right operating system, we can transform how insurance operates.

Open Insurance Labs

We envision a future where insurance professionals orchestrate their entire operation from a single, intelligent platform. Where building a custom workflow or application is as simple as describing what you need—no developers, no code, no six-month implementation timelines.

There are thousands of insurance organizations struggling with the same operational challenges: fragmented data, manual processes, and technology that can't keep up with their ambitions. Our goal is to enable every one of them to become technology-native. We're building a world where anyone with a vision can transform their insurance operation.

Open OS is our answer—an AI-native operating system purpose-built for insurance. It's a no-code development platform that rivals systems like Retool or Bubble, but designed from the ground up for the unique workflows of carriers, FMOs, agencies, and MGAs. Users can build custom applications, automate complex workflows, and integrate with any carrier system—all through natural language and intuitive interfaces.

At its core, Open OS is powered by artificial intelligence that understands insurance. Users interact with AI assistants that can help design applications, troubleshoot workflows, and suggest optimizations based on industry best practices. It's an all-in-one operating system for the world of insurance—truly one of a kind.

Vibrant cityscape at night representing modern AI-powered insurance operations - Open Insurance Engineering

with conviction,

The Engineering Team