Assurance & banque

Overview

Federato is an American insurtech that raised $80M to democratize RiskOps in insurance. Its AI-native platform connects portfolio strategy in real time to individual underwriter decisions: it integrates internal and external data to display current risk appetite, accumulation, and competitiveness for each incoming submission. Underwriters see at a glance whether a risk aligns with targets.

Federato offers an Agentic AI capable of generating fully explained quotes in minutes, a broker portal, a modern form engine, and a 'Control Tower' for portfolio management. Clients report an average 90% reduction in quote time, 3x more good business accepted, and 50 to 90% reduction in systems used by underwriters. Popular with specialty insurers and MGAs.

Our verdict

The benchmark tool for MGAs, specialty insurers, and companies wanting real-time portfolio control while accelerating underwriting. Client results are impressive and verifiable. Reserve for organizations with a structured underwriting team and submission volume justifying investment: too powerful and expensive for a general broker or small mutual.

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