Artificial Labs
Streamlines insurance claims, enhances customer service, optimizes underwriting.. [Contact for Pricing]
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What is Artificial Labs?
Artificial Labs is a leading provider of digital broking and underwriting technology for the specialty and commercial insurance markets. The company builds ArtificialOS, a uniquely configurable, insurance-specific platform that empowers top-performing brokers and carriers to transform their specialty placement and underwriting strategies with pioneering algorithmic technology.
The platform offers two main solutions: Smart Underwriting and Smart Placement. Smart Underwriting enables carriers to deploy underwriting capital effectively through digital underwriting, real-time portfolio management, automated submission triaging, real-time risk scoring, flexible pricing modules, and AI-powered data ingestion that automatically captures and structures risk data from emails, PDFs, spreadsheets, and Word documents. Smart Placement removes operational complexities for brokers by enabling structured data capture, enrichment and validation, integrated Contract Builder capabilities, more efficient carrier selection, digitally optimized placement, and digital facility and tracker management.
Artificial Labs is specifically designed for specialty (re)insurance brokers and carriers in the Lloyd's and London market, including global insurers like Apollo, BMS Group, Lockton, Chaucer, AXIS, and PPL. The technology is deployed across 70%+ of the Lloyd's London Market and helps teams focus entirely on broking or underwriting while simplifying market complexities through automation.
Key features include Blueprint Two-compliant contract generation, integration with PPL for London Market distribution, the Smart Follow platform for autonomous following decisions, algorithmic underwriting with AI-driven data extraction, automated risk scoring, custom underwriting decision workflows, and API-driven distribution preparing insurers for future-connected workflows.
Artificial Labs pricing
Pricing model: Freemium
Artificial Labs operates on a PAID pricing model with no free tier or free trial available. The company does not publish public pricing details on their website - interested parties must book a chat with the company to discover how their technology could help transform their specialty (re)insurance business and receive custom pricing. The company recently raised $45M Series B funding in February 2026 to accelerate global growth. Flexible pricing modules are included in the Smart Underwriting platform with seamless instant pricing directly within the platform.
Artificial Labs pros
- Configurable insurance-specific platform unlike anything else in the market
- AI-powered data ingestion from emails, PDFs, spreadsheets, and Word documents
- Automates submission triaging and real-time risk scoring for consistency
- Real-time portfolio management with advanced scenario running
- Smart Follow platform enables autonomous follow/no-follow decisions
- Blueprint Two-compliant Contract Builder with MRCv3 support
- 75% faster migration from MRCv2 to MRCv3
- Reduces contract creation time by over 50%
- Integration with PPL Placing Platform removes re-keying needs
- Flexible pricing modules with seamless instant pricing within platform
- Automated workflows free up time for high-value underwriting activities
- Deployed across 70%+ of the Lloyd's London Market
- Protects and enhances underwriting IP value with tailored tools
- Works with leader, follower, portfolio, and delegated underwriting models
- API-driven architecture for future-proof data and distribution
- Reduces manual data entry and administrative tasks significantly
- Enables brokers to migrate to digital placing initiatives easily
Artificial Labs cons
- Paid-only pricing model with no free tier available
- No free trial offered for testing the platform
- No public API availability for custom integrations
- Specific to specialty/commercial insurance market only
- Primarily focused on Lloyd's and London market initially
- Requires booking a chat for pricing information
- Custom solutions may need collaboration with Artificial's team
- May require integration effort with existing legacy systems
Frequently asked questions about Artificial Labs
What is Artificial Labs?
Artificial Labs is the leading provider of digital broking and underwriting technology for the specialty and commercial insurance markets. The company builds ArtificialOS, a uniquely configurable, insurance-specific platform that empowers top-performing brokers and carriers to transform their specialty placement and underwriting strategies with pioneering algorithmic technology.
Who is Artificial Labs for?
Artificial Labs is designed for specialty (re)insurance brokers and carriers, particularly in the Lloyd's and London market. Their clients include global insurers and brokers such as Apollo, BMS Group, Lockton, Chaucer, AXIS, PPL, and McGill and Partners. The platform serves both leaders and followers in underwriting, as well as portfolio and delegated basis underwriting.
What is Smart Underwriting?
Smart Underwriting is Artificial's configurable platform that enables carriers to deploy underwriting capital to lead and follow opportunities in the most effective way through digital underwriting. It includes real-time portfolio management, automated submission triaging, real-time risk scoring, flexible pricing modules, and AI-powered data ingestion that automatically captures and enriches risk data from various document formats.
What is Smart Placement?
Smart Placement is Artificial's solution that removes operational complexities of evolving placement strategies for brokers. It is the only fully-configurable, modular toolkit offering structured data capture, enrichment and validation, integrated Contract Builder capabilities, more efficient carrier selection, digitally optimized placement, and digital facility and tracker management. It reduces contract creation time by over 50%.
What is the Contract Builder?
The Contract Builder is Artificial's MRCv3 compliant software that uses a data-first approach to generating insurance contracts. It captures Core Data Record (CDR) standard data and renders digital MRCv3 contracts in real time with Word-like formatting and drafting capabilities. It seamlessly integrates into existing broker systems and reduces manual data entry while minimizing administrative tasks.
What is Smart Follow?
Smart Follow is an autonomous following platform that enables decision-making within pre-set risk appetite and authority parameters. Underwriters configure rules and thresholds, and the platform evaluates incoming risks and autonomously decides whether to follow each one based on CDR-compliant slip data. It is production-proven across Marine Hull, General Aviation, and Marine Cargo lines.
How does AI data ingestion work?
Artificial's advanced AI-powered data ingestion and enrichment tools automatically capture, structure, and enrich risk data from emails, PDFs, spreadsheets, and Word documents. This eliminates hours of manual entry while preparing data records for the future, bridging the gap between today's processes and tomorrow's API-driven distribution.
What is ArtificialOS?
ArtificialOS is a collection of API-driven building blocks that accommodates the needs of all insurers, big or small. It is a cloud-based algorithmic underwriting platform with service-based architecture that allows different blocks to be combined and integrated to match particular insurer requirements, covering anything from automated claims through to policy management.
Does Artificial integrate with existing systems?
Yes, Artificial makes it easy to retrieve data from integrated internal and external sources via API or data transfer. Applications can be built on top of existing legacy systems or Artificial's core system. The Contract Builder seamlessly integrates into existing broker platforms like BMS's Broker Workbench.
How much does Artificial Labs cost?
Artificial Labs operates on a paid pricing model with no free tier or free trial. The company does not publish public pricing details on their website. Interested brokers and carriers must book a chat with Artificial to discover how their technology could help transform their specialty (re)insurance business and receive custom pricing tailored to their needs.