30 Minutes of Commercial Intake. Reclaimed in 30 Seconds.
An AI underwriting copilot for MGAs — the first tool your underwriters open when a broker submission arrives.
Currently onboarding pilot MGA partners — limited spots available. No IT setup required.
Hi team —
Attached is the app and loss runs. Need a quote by tomorrow if possible.
Let me know what else you need.
Named insured?
Not found in email or attachments
Revenue / payroll missing
Cannot classify risk tier
No guideline check
Underwriter must compare manually
Within appetite
Revenue & class pass carrier rules
Loss runs reviewed
3-year ratio: 42% — favorable
Needs review
5-year loss run requested
Based on 1,100–1,200 total U.S. MGAs. Top 5–7% have enterprise IT. Remaining mid-market relies on manual workflows.
61.3% of MGAs report using AI, while 35.5% have a formal AI budget — Gallagher Bassett MGA Market Pulse 2026.
Validated with active underwriters at a specialty MGA in production.
Source: Datos Insights 2026 MGA Tech Evolution Report.
Industry figures based on U.S. statutory market data, carrier surveys, and Datos Insights 2026 MGA Tech Evolution Report.
Underwriters spend most of their day on work that isn't underwriting.
"We spend 2 hours per submission on things that should take 10 minutes. AI could do that in seconds."
From submission to recommendation in 30 seconds.
Every flag cites the exact rule. Auditable by underwriters and regulators.
Upload your appetite PDF. We parse it into rules. Your underwriting DNA, automated.
AI proposes. The underwriter decides. Full control at every step.
Why Clairo?
Designed around real commercial submission workflows rather than generic document automation.
Clairo works from the MGA's own underwriting appetite and is designed to learn from historical decisions over time.
Clairo recommends. Your underwriter makes the consequential decision.
Built for the lines MGAs actually write.
Clairo supports the full commercial P&C workflow — from core lines to specialty.
Core Commercial Lines
- Property
- General Liability
- Commercial Auto
- Workers' Compensation
- Inland Marine
Specialty & Financial Lines
- D&O
- Cyber
- Crime
Additional lines added based on pilot customer needs.
Trusted by Pilot MGAs
Early underwriting teams are using Clairo to cut submission triage time and quote faster.
Average processing time observed in production with active underwriters at a specialty commercial MGA.
See it on a real submission
No login required. Try Clairo on a sample commercial submission — extract fields, check guidelines, and see the broker email drafted in under 30 seconds.
Built for MGAs. Not for enterprise.
- 12–18 month implementation
- Six-figure contracts
- Requires IT department
- Built for top-25 carriers only
- Self-serve onboarding
- Upload your guidelines, start today
- No IT integration required
- Built for specialty and commercial MGAs
- For underwriting teams processing broker submissions through email, PDFs, ACORD forms, loss runs, and supplemental applications.
Works with the systems you already use. Clairo helps modernize underwriting workflows without requiring your MGA to replace its existing core systems.
Never lose capacity.
Clairo generates an immutable compliance audit trail for every submission processed — making your quarterly carrier binder audits effortless. When your carrier asks for proof of guideline compliance, pull up Clairo's Capacity Compliance Report in one click.
- Immutable decision log with timestamps
- Guideline traceability for every submission
- One-click carrier-ready PDF export
Built and tested with the people who do this every day.
"If AI could just handle the paperwork, I could focus on the accounts that actually need my judgment."
Underwriting expertise is too valuable to be wasted on administrative work.
A future where specialty and commercial MGAs move as fast as the top-25 — without enterprise IT, six-figure contracts, or 18-month rollouts. Faster quotes. Consistent decisions. Happier brokers.
400,000 commercial underwriters retire by 2030. Every one of them takes decades of institutional knowledge out the door. Clairo captures that knowledge before it walks out forever.
Datos Insights warns that 50% of U.S. MGAs could fail to survive independently by 2030 without technology modernization. AM Best revised its MGA sector outlook from positive to stable in 2026 as carriers tighten scrutiny of partners who can't demonstrate portfolio discipline. The MGAs that don't automate don't go bankrupt — they get absorbed. Clairo is built for the ones that want to stay independent.
Today: Submission Intelligence
Clairo turns messy commercial insurance submissions into decision-ready underwriting files.
Next: Account Intelligence
Clairo remembers the account, prior submissions, losses, and underwriting history.
Future: Organizational Memory
Clairo learns how the MGA actually underwrites — including historical decisions and human overrides.
Francis Choma
Francis Choma is a former commercial underwriter at Liberty Mutual and the founder of Clairo. He reviewed broker submissions daily, cross-checked appetite guidelines, and wrote broker response emails from scratch. He left knowing exactly what was broken and built the fix.
He holds a B.A. in Economics from Marymount University and built Clairo solo — no technical background, no engineering team, no prior funding — in under 90 days before raising a dollar.
He founded Clairo with one conviction: underwriting expertise is too valuable to be wasted on administrative work.
Ready to see Clairo in action?
We're onboarding a limited number of MGA pilot partners. Request access and we'll be in touch within 24 hours.
No IT integration required. Operational within days. No IT required.
SOC 2 certification planned. Pilots currently recommended with historical or anonymized submissions.