US brokers and MGAs lose deals when they can't bind fast enough
Speed to bind is everything. Regure automates ACORD form extraction, FNOL intake, surplus lines tax calculation, and real-time binder issuance — so your team quotes faster, binds faster, and never loses a deal to a competitor who simply moved quicker.
The US insurance market demands speed, accuracy, and compliance — simultaneously
The United States insurance market is the largest in the world, generating over $1.4 trillion in direct premiums written annually. Within that market, Managing General Agents (MGAs) and wholesale brokers are growing faster than any other segment, with delegated authority premium volume exceeding $80 billion and growing at 15%+ year-over-year.
But growth creates operational pressure. Every new submission means more ACORD forms to process, more surplus lines filings to complete, more binders to issue, and more compliance requirements to satisfy. When your team processes these manually — extracting data from PDFs, re-keying information into policy admin systems, and chasing signatures via email — deals slip through the cracks. The broker who binds first wins the business.
Regure is purpose-built claims automation software for US brokers, MGAs, and TPAs. We automate the document-heavy processes that slow down your operation: ACORD form extraction, FNOL intake, claims routing, surplus lines compliance, and binder issuance. The result is faster cycle times, fewer errors, and complete audit trails for every transaction.
Unlike generic document management platforms that require months of customization, Regure is operational in 14 days with pre-configured workflows for commercial P&C, personal lines, specialty, and excess & surplus lines.
ACORD form data extraction and automation that eliminates manual data entry
ACORD forms are the backbone of US commercial insurance. Regure's AI extracts every field from every ACORD form type — certificates, applications, binders, and endorsements — and maps data directly to your policy admin system without human intervention.
Every commercial insurance transaction in the United States starts with an ACORD form. Certificates of insurance (ACORD 25), commercial property applications (ACORD 140), general liability applications (ACORD 126), and business auto applications (ACORD 130) arrive as PDFs, scanned documents, and email attachments — each requiring manual data extraction and re-entry into your policy admin system.
This manual process is the single biggest bottleneck in US insurance operations. A typical submission requires 15-30 minutes of data entry per form, and a single commercial account may include 5-10 forms. Multiply that across hundreds of submissions per month, and your team is spending thousands of hours per year on manual data entry — time that should be spent on underwriting, relationship building, and binding business.
Regure's AI document processing engine is specifically trained on ACORD form types. It extracts named insured information, policy numbers, effective dates, coverage limits, deductibles, additional insureds, and every other field — with 99%+ accuracy on standard form types. Extracted data flows directly into Guidewire, Duck Creek, Applied Epic, or your proprietary system via pre-built API integrations.
For non-standard or hand-written forms, Regure flags low-confidence extractions for human review rather than guessing. Your team handles exceptions; the system handles everything else.
- ACORD 25 (Certificate of Liability Insurance) — full field extraction
- ACORD 28 (Evidence of Commercial Property Insurance) — coverage mapping
- ACORD 126 (Commercial General Liability) — application data extraction
- ACORD 130 (Workers Compensation) — class code and rate extraction
- ACORD 140 (Property Section) — building, contents, and BI limits
- Non-ACORD documents — police reports, medical records, repair estimates
FNOL intake automation that gets claims into the system in minutes, not days
First Notice of Loss is where every claim begins — and where most operations lose time. Regure automates FNOL intake from every channel: email, web portal, phone transcription, fax, and API.
Multi-Channel FNOL Intake
Claims arrive from everywhere — a claimant calls the toll-free number, a broker emails a loss report, a policyholder submits through a web portal, and a field adjuster photographs damage on their phone. Regure ingests FNOL from all channels and creates a unified claim record within minutes.
Each FNOL submission is automatically triaged based on loss type (property, auto, liability, workers comp, health), estimated severity, and policyholder priority. High-severity or potentially fraudulent claims are flagged for immediate attention.
Intelligent Claim Routing
Once an FNOL is processed, the claim needs to reach the right adjuster immediately. Regure's workflow engine routes claims based on configurable rules: loss type, claim amount, geographic location, adjuster expertise, current workload, and SLA priority.
For MGAs with delegated authority, claims that fall within binding authority are auto-assigned to the appropriate underwriter. Claims exceeding authority thresholds are automatically escalated to the capacity provider with all supporting documentation attached.
Missing Document Detection
A claim can't progress without the right documents. Regure tracks required documentation for each claim type and automatically identifies what's missing. If a property claim arrives without a police report or photos, the system generates a request to the claimant or broker before the adjuster even opens the file.
This proactive document collection eliminates the back-and-forth that adds days to cycle time. Adjusters receive claims with complete documentation, ready for assessment.
Fraud Indicator Flagging
Regure flags potential fraud indicators during FNOL intake — duplicate claims, suspicious patterns, known fraud addresses, and inconsistent narratives. Flagged claims are routed to your Special Investigations Unit (SIU) with all supporting evidence organized for review.
The system doesn't make fraud determinations — that's your team's job. It ensures potential fraud is detected early, before resources are spent investigating a claim that should have been flagged at intake.
Surplus lines tax automation and real-time binder issuance
For E&S brokers and MGAs, speed to bind is the competitive advantage. Regure automates surplus lines tax calculation across all 50 states and generates binders from extracted submission data — reducing bind time from days to minutes.
Surplus Lines Tax Automation
Every surplus lines placement in the United States requires state-specific tax filings. Tax rates, stamping fee requirements, filing deadlines, and reporting formats vary by state — and they change frequently. New York's excess line tax is 3.6% plus a 0.18% stamping fee. California charges 3.0%. Texas charges 4.85% for fire and allied lines but 1.85% for casualty. Florida has different rates for admitted and non-admitted placements.
Managing these calculations manually is error-prone and time-consuming. A single miscalculation can result in fines, delayed filings, and compliance exposure with state surplus lines offices. Regure automates surplus lines tax calculation for all 50 states and DC, pulling current rates from regularly updated databases and applying the correct calculation logic for each state's requirements.
For multi-state placements, Regure allocates premium across states based on exposure location data extracted from the submission, calculates the tax for each state, and generates the required filing documents. Filings are tracked with automated reminders for submission deadlines.
Real-Time Binder Issuance
Once underwriting approves a submission, the bind process should be immediate — not a multi-day workflow involving manual document generation, signature collection, and filing. Regure generates binders from extracted submission data, populates coverage terms and conditions, and routes for e-signature. The entire process takes minutes, not days.
For MGAs with binding authority, this means quoting and binding in a single session with the broker. For wholesale brokers, it means getting the binder to the retail agent before a competitor's quote arrives. Speed to bind directly correlates with hit ratio — and every hour of delay reduces conversion.
- Automated tax calculation for all 50 states + DC
- Multi-state premium allocation based on exposure location
- Stamping fee calculation and SLIP filing automation
- Real-time binder generation from extracted submission data
- E-signature routing with timestamped completion records
- Bordereaux automation for capacity provider reporting
HIPAA-compliant document processing and state-by-state regulatory compliance
US insurance operations must comply with federal regulations (HIPAA, Gramm-Leach-Bliley Act), state insurance department requirements, and industry standards. Regure builds compliance into the platform architecture.
HIPAA Compliance
Health insurance claims contain Protected Health Information (PHI) — medical records, diagnosis codes, treatment histories, and provider information. Regure is fully HIPAA-compliant with signed Business Associate Agreements (BAA) for all customers processing PHI.
PHI is encrypted at rest (AES-256) and in transit (TLS 1.3). Access to PHI is restricted by role-based access controls with nine configurable permission levels. Every access to PHI is logged in immutable audit trails with the user, timestamp, IP address, and action type.
Gramm-Leach-Bliley Act
The GLBA requires financial institutions, including insurance companies, to explain their information-sharing practices and safeguard sensitive data. Regure's architecture satisfies GLBA Safeguards Rule requirements with encryption, access controls, and documented security practices.
Customer financial information — policy details, premium payments, claims settlement amounts — is protected with the same AES-256 encryption and role-based access controls that protect PHI. Audit trails document every access for compliance evidence.
State Insurance Regulations
Each state's Department of Insurance has specific requirements for document retention, claims handling timelines, and communication with policyholders. Regure's configurable workflow engine lets you set SLA timers, acknowledgment deadlines, and communication requirements per state.
California's Fair Claims Settlement Practices (CCR §2695), Texas's Prompt Payment of Claims Act, and Florida's claim filing deadlines are all configurable as workflow rules — with automated escalation when deadlines approach.
Pre-built integrations with Guidewire, Duck Creek, Applied Epic, and your core systems
Regure layers on top of your existing infrastructure. Pre-built API connectors eliminate the custom development that makes enterprise software implementations take months instead of weeks.
Guidewire Integration
Bi-directional integration with Guidewire ClaimCenter, PolicyCenter, and BillingCenter. FNOL data extracted by Regure flows into ClaimCenter automatically. Policy data from PolicyCenter enriches claim records. Settlement payments trigger BillingCenter updates.
The integration uses Guidewire's Cloud API (REST) and supports both Guidewire Cloud and self-hosted deployments. No custom Guidewire development required — Regure handles the integration layer.
Duck Creek Integration
Connect Regure to Duck Creek Claims, Policy, and Billing through Duck Creek's API Gateway. Submission data flows into Duck Creek for rating and quoting. Bound policy data flows back to Regure for document generation and compliance filing.
Supports Duck Creek OnDemand (cloud) and on-premise deployments with the same API connector. Data mapping is configurable for custom Duck Creek implementations.
Applied Epic & Vertafore
For brokerages running Applied Epic or Vertafore AMS360, Regure syncs client records, policy data, and claim files bi-directionally. Documents uploaded to Regure appear in the client file in Epic. See how Regure enhances Applied Epic.
Activity tracking in Regure generates corresponding activity records in Epic, maintaining a single view of client interactions across both platforms.
Custom API & Webhooks
For proprietary systems, legacy platforms, or niche insurance software, Regure provides RESTful APIs and webhook support. Our engineering team can build custom integrations as part of the Enterprise tier implementation.
API documentation, sandbox environments, and SDKs (Python, JavaScript, Java) are available for your development team to build integrations directly.
What US brokers and MGAs ask about Regure
Can Regure extract data from all ACORD form types?
Yes. Regure's AI is trained on all standard ACORD form types including ACORD 25, 28, 35, 75, 126, 127, 130, 131, 140, and certificate forms. For non-standard or carrier-specific forms, we train custom extraction models during implementation — typically within 5-7 business days of receiving sample documents.
Does Regure handle surplus lines filings for all 50 states?
Yes. Regure calculates surplus lines taxes for all 50 states and DC, including stamping fees where required. Tax rates are updated quarterly based on published state schedules. For states requiring electronic filing (e.g., Florida FSLSO, Texas SLTX), Regure generates filing-ready documents in the required format.
How does Regure integrate with our existing Guidewire instance?
Regure connects to Guidewire ClaimCenter, PolicyCenter, and BillingCenter via REST APIs. The integration is bi-directional — FNOL and document data flows from Regure to Guidewire, while policy and billing data flows back. Works with both Guidewire Cloud and on-premise deployments. Typical integration setup takes 3-5 days.
Is Regure HIPAA-compliant for health insurance claims?
Yes. Regure is fully HIPAA-compliant and will execute a Business Associate Agreement (BAA) with your organization. PHI is encrypted at rest and in transit, access is controlled by role-based permissions, and every access to PHI is logged in immutable audit trails. Our security architecture covers HIPAA-relevant controls.
Can we start with just one line of business?
Absolutely. Most US clients start with commercial P&C or auto claims and expand to additional lines after seeing results. You can add new lines of business, workflows, and user groups at any time without re-implementation. The workflow engine is configurable per line of business.
How long does implementation take?
Standard implementation is 14 days from contract signing to go-live. This includes ACORD form model training, workflow configuration, API integration with your existing systems, user role setup, and team training. Complex multi-system integrations may take 3-4 weeks for Enterprise tier clients.
What does pricing look like for a mid-size MGA?
Regure is priced per user per month. A mid-size MGA with 50-100 users would typically be on the Professional tier at $150/user/month — including AI document processing, unlimited workflows, secure messaging, e-signatures, and dedicated onboarding. See full pricing details.
Does Regure support bordereaux reporting for capacity providers?
Yes. Regure automates bordereaux generation for MGAs reporting to capacity providers and reinsurers. Premium, loss, and claims data is aggregated from processed transactions and formatted per your capacity provider's specifications. Reports can be scheduled for automatic generation and delivery.
Can Regure handle catastrophe event surge volume?
Yes. The Enterprise tier includes catastrophe event surge capacity that automatically scales infrastructure to handle 5-10x normal FNOL volume. Auto-assignment rules can be adjusted for CAT events to distribute claims across available adjusters, temporary staff, and independent adjusters.
Where is our data stored?
US customer data is stored in AWS us-east-1 (N. Virginia) and us-west-2 (Oregon) regions. Data never leaves the United States. For clients requiring additional geographic isolation, we support dedicated VPC deployments within your preferred AWS region. Read more about our data residency architecture.
See Regure process your actual ACORD forms and claims documents
Book a 20-minute demo and bring your real submissions. We'll extract ACORD data, route a sample claim, and show you the complete audit trail — live.