The latest strategic thinking from Artificial, as they target Commercial and Specialty sectors.
Artificial Labs (Artificial), the leading provider of digital broking and underwriting technology for the specialty and commercial insurance markets, has announced the launch of AgLabs, its research and innovation arm.
AgLabs is focused on the next era of specialty insurance and how agentic artificial intelligence (AI) will reshape market interactions. It will pair long-term research and development with immediately deployable capabilities, helping brokers and underwriters remove friction while laying the foundations for agent-to-agent (A2A) market coordination over time.
A2A interactions allow broker and underwriter agents to exchange, validate and clarify information autonomously under granular controls, while keeping decisions human. It will focus on the layer where risk information is exchanged, clarified, translated and negotiated. Despite decades of digital investment, this stage of the process remains manual, email-driven, and time-consuming. Original research conducted by AgLabs among London market participants shows that 88% of broker submissions are not decision-ready when they first reach an underwriter’s inbox.
“AgLabs is built for a human-led market. Its purpose is to remove the administrative friction that consumes time and slows decision-making,” said David King, Co-Founder of Artificial Labs. “Insurance professionals are paid for their expertise, not for chasing missing data across endless email chains. AgLabs keeps people at the centre of the process while removing the friction that slows markets down. Our agents can do the legwork of coordination and clarification in the background, but the decision and accountability always stay with the human.”
Crucially, these agents are designed to interoperate across organisations. Each agent represents a specific party (broker or underwriter), operating within that firm’s rules, data, and context. Broker and underwriter agents can communicate autonomously to resolve routine information exchange and clarification, then simply escalate outcomes for human approval.
“Most AI initiatives in insurance stop at making individuals faster. AgLabs is focused on making the market faster,” said Alexis Renaudin, Head of AgLabs. “We do that by initially fixing the pre-bind interaction layer where brokers and underwriters lose time translating formats, validating data, and chasing documents. Over time, this builds the foundations for a 24/7 agentic insurance ecosystem, where routine market interactions happen continuously, and humans engage only where judgement is required. This approach supports a pragmatic transition towards faster, always-on markets at scale, without forcing disruptive change or removing people from the loop.”
Survey results also found that 64% of complex risks require six or more back-and-forth email or call interactions before a quote can be released. In parallel, 81% of teams report wasting significant time on manual data collection and correction, rather than applying expertise.
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