InsurOps orchestrates and executes AI-assisted workflows across your risk and insurance ecosystem to help lower total cost of risk and generate income from resident programs.
It orchestrates and executes AI-assisted workflows on one governed, source-linked risk data layer. The workflows run across brokerages, agencies, risk advisors, carriers, third‑party administrators and other counterparties, and their systems, in your risk and insurance ecosystem.
InsurOps P&C
Eight modules manage the property and casualty program, from document intake through renewal and TCOR reporting.
Risk data layer
Every value links to its source document and page. More than 160 agentic workflows use the same data, and reviewers approve low-confidence results before the record changes.
InsurOps Resident Programs
It operates resident liability waiver and deposit replacement programs funded through the owner's own captive or self-insured retention.
Resident Risk Analytics
The add-on measures the cost of resident default, scores risk and supplies pricing indications for coverage.
Connected systems
InsurOps connects to property management and finance systems, risk management information systems (RMIS), broker and carrier email, and data warehouses such as Snowflake.
Owners, property managers, brokers, carriers, risk advisors, third-party administrators and captive managers each sign in with their own role and permissions.
InsurOps P&C
Each location links to its policies, property data, claims, certificates, contacts and quotes.
- 01
Document Intelligence classifies each document, extracts its data and scores each value for confidence.
See the module → - 02
Locations keeps one record for each property and its buildings. Each record holds the ownership entities, the insured values and comprehensive construction, occupancy, protection and exposure (COPE) and underwriting data.
See the module → - 03
Policy Management tracks policy and endorsement versions and builds the program's coverage layers (the program tower) from binding instructions.
See the module → - 04
Loss Run Management requests and tracks loss runs and links each claim to its policy and location.
See the module → - 05
Global Contacts links brokers, carriers, administrators and vendors to properties, policies and claims.
See the module → - 06
Quote Management executes the renewal, from placement strategy to the owner's bind request to the broker or advisor.
See the module → - 07
TCOR Analytics reports five TCOR components (insurance premiums, retained losses, loss prevention and risk control, administration and resident default) by property and period, with claims and loss performance.
See the module → - 08
Chat Agent answers plain-language questions from the record and cites the source document and page.
See the module →
Document Intelligence
Locations
Policy Management
Loss Run Management
Global Contacts
Quote Management
TCOR Analytics
Chat Agent
InsurOps Resident Programs
Resident Liability Waiver sets waiver dates, limits and fees for each property.
Resident Deposit Replacement replaces the security deposit with coverage backed by a captive or self-insured retention.
Enrollment and Proof of Insurance enrolls residents through the property management system, and reviewers apply program rules to a resident's own insurance before the enrollment changes.
Claims routes resident-program claims through submission, completeness review, adjustment, settlement approval and payment recording.
Invoicing and Reporting creates invoices for active enrollments using configured fees and routes the invoices for approval. Users can filter and export reports on program results.
Selectsys Managed Services operate resident program back-office workflows on InsurOps.
Resident Risk Analytics
Resident Risk Analytics measures the cost of resident default, scores risk and supplies pricing indications for coverage.
The add-on also compares occupancy, turnover, lease term, length of residency and collection loss across properties.
“We use four or five platforms for different areas of risk. How do we integrate them and track everything?”
Owners measure InsurOps on five outcomes.
| Outcome | Today | With InsurOps | Measure |
|---|---|---|---|
| Lower total cost of riskFinance, risk management, asset management | Renewal submissions have incomplete property data, and owners compare quotes on premium alone and rarely know TCOR by property. | Every renewal submission includes complete property data and a statement of values tied to source documents. The owner compares quotes on full terms, and InsurOps reports TCOR by property. | TCOR per unit and NOI |
| Income from resident programsProperty operations, asset management | Third-party providers operate resident programs and keep the fee, the margin and the data. | The owner operates resident liability waiver and deposit replacement programs funded through its own captive or self-insured retention, with coverage priced to measured default risk. | Fee income per enrolled unit, underwriting margin and resident-default loss per unit |
| Automated risk operationsFinance, risk management, asset management | Teams assemble renewals, loss runs and certificates from email and spreadsheets. | InsurOps requests and files loss runs and certificates, sends exceptions to the owner’s team for approval, and reuses approved data at the next renewal. | Share of manual tasks automated and reduction in cycle time |
| Owner control of the risk recordFinance, technology, risk management | Owners keep risk data in separate systems, portals and inboxes. | One governed risk data layer links every value to its document and page, and the owner controls access and exports. | Share of approved, source-linked values and time to answer questions from the board, lenders or auditors |
| Governed AITechnology | Without source links and approval controls, AI output can be difficult to verify. | Every AI result has a source link and a confidence score, and reviewers approve low-confidence results before the record changes. | Approval history with the reviewer and time of every approval |
Multifamily total cost of risk has five components: insurance premiums, retained losses, loss prevention and risk control, administration and resident default. P&C total cost of risk is the first four. The 5–10% reduction target applies to all five: TCOR Analytics compares total cost of risk per rental unit for the current policy year with the prior policy year. Cost definitions, property allocation and reporting periods are set with the owner’s finance team at implementation, and insurance recoveries are counted once.
Targeted outcomes
reduction in TCOR per unit, including resident default.
Targetincrease in NOI when total cost of risk falls 5–10%.
Targetof manual risk and program tasks automated.
Targetreduction in cycle time for automated workflows.
TargetResults in one KPMG-audited captive program
reduction in resident-default losses.
Auditedunderwriting profit margin.
Auditedcoverage compared to traditional security deposits. Results vary with captive administrative costs, units enrolled and underwriting performance.
Case studyAdd use cases based on priority and value.
Modular architecture and flexible workflows support incremental adoption and rapid time to value in weeks, not months.
The path to a go/no-go decision
Use cases
Learn about the InsurOps platform and map its capabilities to your potential use cases.
Metrics
Identify the metrics that matter most to your team.
First use case
Agree on the first use case.
Solution proposal
Review the solution in a deep dive with your team. The proposal includes the business case and a rapid Proof of Value (POV) based on agreed success criteria.
Go/no-go
Decide whether to move forward with the solution.
These use cases are examples. An Assurified solution architect will work with your team to identify a high-value use case that's right for you. All of our customer engagements begin with a low-risk proof of value (POV).
Example use cases
Statement of values for a renewal
InsurOps collects construction, occupancy, protection and exposure (COPE) values with their source pages, requests missing values from the people responsible, and produces the statement of values for sign-off.
Quote comparison and bind request
The platform reads each carrier quote, compares its premium, limits, deductibles, retentions and forms with the expiring terms, and sends the owner's decision to the broker or advisor, who binds coverage.
Acquisition risk onboarding
InsurOps extracts the data from seller policies, loss runs, statements of values and diligence reports, reconciles conflicting values and flags gaps before the deal closes.
Portfolio TCOR reporting
TCOR Analytics reports five TCOR components by property and period, and Chat Agent answers questions from the record with citations.
Policy and endorsement control
The platform classifies each document on arrival, routes endorsements for approval, records each new policy version and builds the program's coverage layers from binding instructions.
Portfolio document intake
InsurOps removes duplicate files and extracts data from every existing document, and reviewers approve low-confidence results before the record changes.
Resident liability waiver program
The platform enrolls residents through the property management system, processes proof-of-insurance opt-outs, claims and invoices, and updates each resident's status in that system.
Deposit replacement program
Resident Risk Analytics supplies pricing indications based on each property's default risk, and InsurOps manages enrollment, invoicing and claims. Selectsys provides the program's back-office processing as a managed service.
Owners choose InsurOps for three reasons.
P&C and resident programs together
InsurOps manages the commercial insurance program and operates resident programs, so its TCOR reporting includes resident default.
Audited results from a captive program
One KPMG-audited captive program cut resident-default losses 36.7% and produced an underwriting profit margin of 40%.
Placement independence
Assurified takes no commission or premium share and does not underwrite, so InsurOps has no stake in which broker or carrier the owner chooses.
InsurOps is built for security, governed AI and scale.
- InsurOps is hosted on an isolated Amazon Web Services (AWS) private cloud. We have a SOC 2 Type II report issued by an independent auditor, Baker Tilly.
- Auth0 by Okta provides single sign-on and provisions user accounts.
- More than 50 least-privilege access roles enforce segregation of duties.
- Every extracted value links to its source document and page.
- Reviewers approve low-confidence results before the record changes.
- Customer data is never used to train shared models.
- InsurOps sets no page or file-size limit and splits long documents for extraction.
- 385 API endpoints compatible with the Model Context Protocol (MCP) connect InsurOps to other systems.
- The production environment replicates to a standby region for disaster recovery.
What stays the same
- Your existing brokers, carriers and systems stay.
- You control the data and who can access it.