Federato

Name: Federato
Brand: Federato

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AI-native platform for insurance underwriting, optimizing portfolios and accelerating quoting.

AI Assistants Workflow Automation Business Intelligence

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Tracked since2026

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The Bottom Line

Entry price

Paid plans only

Biggest pro

Significantly reduces time to quote (up to 89%)

Biggest con

Requires integration with existing insurance infrastructure

TL;DR - Federato

AI-native platform for insurance underwriting, optimizing the full policy lifecycle.
Automates submission triage, data entry, and quoting with agentic AI.
Provides real-time portfolio insights to align underwriting with strategic goals.

Pricing: Paid only

Best for: Enterprises & pros

What is Federato?

Editorial review

Federato is an AI-native insurance platform designed to transform underwriting processes for carriers, MGAs, mutuals, and MGA aggregators. It leverages agentic AI to automate and optimize the entire policy lifecycle, from submission triage to quoting and binding. The platform helps insurance companies move beyond legacy systems by providing a single pane of glass view of workflows, real-time visibility into appetite and goal progress, and data-driven decision support. The platform's core value lies in its ability to reduce manual effort, increase efficiency, and drive more profitable growth. It achieves this by automating data entry, integrating with existing raters (including Excel), and providing a robust quote engine with version control. Federato enables underwriters to focus on high-value business, improve hit ratios, and ensure that bound policies align with strategic portfolio goals, ultimately leading to better financial outcomes and stronger relationships with capital providers.

Available on: Web

LCLouis CorneloupUpdated May 26, 2026 · how we evaluateSourcefederato.ai ↗

Pros & Cons

Pros

Significantly reduces time to quote (up to 89%)
Increases high-appetite quotes and premiums
Consolidates multiple legacy systems into one platform
Provides real-time insights into portfolio performance
Highly configurable platform with fast time to value (weeks, not years)

Cons

Requires integration with existing insurance infrastructure
Specific pricing details are not publicly available
Requires a shift in traditional underwriting workflows to fully leverage AI capabilities

Preview

Key Features

Agentic AI for complete, explained quotesSubmission triage and prioritizationReal-time portfolio visibility and goal trackingData entry automation from unstructured dataExcel-rater integrationAPI-based rating integrationQuote engine with version controlContent management

Pricing

Paid

Federato offers paid plans. Visit their website for current pricing details.

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Federato FAQ

How does Federato's agentic AI differ from traditional AI decision support in underwriting?

Federato's agentic AI goes beyond decision support by automatically drafting and even fully executing quotes for deals that clearly fit strategic guardrails, explaining its reasoning. This contrasts with basic AI decision support, which primarily provides tools for underwriters to prepare quotes manually after a task is selected.

Can Federato integrate with existing Excel-based rating systems, or does it require a complete migration?

Federato offers a 'best-of-both-worlds' experience for Excel-based raters. It allows organizations to retain the granularity and ease of updates from Excel while instantaneously pushing updates organization-wide and integrating directly with agentic AI flows, automating rating without abandoning existing Excel models.

What specific challenges does Federato help carriers address regarding portfolio management?

Federato helps carriers manage portfolio accumulation, meet growth objectives, and accelerate time to quote. It provides real-time insights into the state of the book, tracks goal progress, avoids accumulation problems, and ties individual actions to results, ensuring consistent, on-target portfolio outcomes.

How quickly can an insurance carrier expect to implement Federato and see improvements in their workflow?

Unlike custom-built underwriting systems that can take years, Federato's highly configurable platform is designed to be live and improving underwriter workflows in just a few weeks, offering a fast time to value.

Does Federato support diverse insurance products, including personal, commercial, and specialty lines?

Yes, Federato is built to manage the complexity of diverse insurance carrier portfolios, including personal lines, commercial lines, and specialty insurance products. It provides real-time tracking, analytics, and risk insights to support informed decision-making across all lines of business.

Source: federato.ai

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