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Agentic Toolkits for
Brokers

From submission intake to decision — commercial insurance and lending.

Broker MGA Carrier Lender
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Broker Portal
Package · Cascade Logistics LLC
ACORD 125
Application form
✓ Extracted
Loss Runs · 3 yrs
Prior carrier history
✓ Extracted
Financials · 2 yrs
Income & balance sheet
✓ Extracted
Risk Memo
Narrative & exposures
✓ Extracted
2 Flags
·Revenue: ACORD $1.2M vs financials $1.4M
·GL limit below minimum for SIC 4213
Submission Quality
87
out of 100
Completeness
94%
Consistency
81%
Coverage Fit
86%
✓ READY TO SUBMIT
Argo flagged 2 issues before submission — fixed in minutes, not a follow-up call.
MGA Portal
Submissions · Appetite Queue
Pacific Tech Solutions
Cyber · SIC 7372
COM'L IN
Cascade Logistics LLC
Comm. Auto · SIC 4213
COM'L BORDERLINE
Meridian Bakery Group
BOP · SIC 5812
COM'L IN
Appetite Rules — Cascade Logistics LLC
Revenue $3.2M (range $500K–$5M) PASS
SIC 4213 — Transport (monitored class) REVIEW
Prior losses: 3 in 24 mo (max 2) FAIL
Argo drafted the exception memo — one click to accept or decline.
Carrier Portal
UW Queue · Pending Review 5 pending
Cascade Logistics LLC
Commercial Auto · 18 min ago
INSHIGHDECLINE
Meridian Bakery Group
BOP · 42 min ago
INSMEDIUMREFER
Pacific Industrial Co.
General Liability · 1h ago
INSLOWAPPROVE
Fraud
CLEAR
Loss Ratio
1.24
AI Rec
DECLINE
AI Risk Assessment High Risk
Cascade Logistics LLC
Commercial Auto · 48 vehicles, $2.4M TIV
Loss Ratio
1.24
Fraud Risk
MEDIUM
Risk Score
78/100
Years in Biz
4.5 yrs
Key Risk Factors
3 at-fault losses in 24 months — above threshold
Loss ratio 1.24 — unprofitable on prior term
Driver roster incomplete — 6 of 48 unverified
AI Recommendation DECLINE ›
Argo's decline cites 3 factors — full reasoning in Argo Narrate.
Lender Portal
Deal · Greenfield Mfg. LLC
Tax Returns · 2 yrs
Form 1120 & K-1s
✓ Extracted
P&L Statement
YTD + prior year
✓ Extracted
Bank Statements
12 months
✓ Extracted
DSCR Analysis
1.38 DSCR
Min threshold: 1.25 · PASS
Credit Assessment
Greenfield Mfg. LLC
Commercial Term · $2.1M · 7 yr
Net Income
$487K
Ann. Debt Svc
$353K
Leverage
3.1x
Risk Flags
2 Minor
AI REC: APPROVE Draft memo →
Argo verified DSCR against 12 months of bank statements — no manual spreading.
For Brokers

Submit with confidence.
Win more placements.

Argonaut helps brokers package submissions that carriers actually want — with AI quality scoring, completeness feedback, and real-time tracking from ACORD to bind.

◔
AI completeness scoring before you submit Know before the carrier does — every field, every document, scored and flagged inline.
⇄
ACORD, loss run & financial cross-validation Discrepancies between documents are caught and surfaced before submission — not after a carrier declines.
→
Real-time status tracking through quote to bind Watch every submission move through the pipeline in real time. No more chasing emails.
Broker Tools →
▦
Multi-Document Intake
ACORD, loss runs, financials, risk memos — all uploaded in one flow with instant AI extraction.
◔
Quality Score
Every submission gets a completeness and consistency score before it leaves your desk.
→
Pipeline Tracking
Real-time status across all submissions — intake, review, quote, and bind — in one view.
↩
Carrier Feedback
Understand exactly why a submission was referred or declined — and what to fix next time.
For MGAs

Screen appetite.
Run your program.

Argonaut gives MGAs a purpose-built workbench to screen submissions against program appetite, accept to bordereaux, and track portfolio performance — with a full audit trail on every decision.

⊞
Appetite engine — IN / BORDERLINE / OUT Program rules evaluated automatically at intake. Borderline cases escalate with full AI context.
⊚
Accept / decline with override logging Every acceptance or program exception is logged with rationale — auditable and searchable.
▤
Bordereaux automation and export Accepted submissions roll up into bordereaux automatically. Import from any external system and Argo formats it for you.
MGA Tools →
⊞
Appetite Screening
AI evaluates every submission against your program rules at intake — IN, BORDERLINE, or OUT.
◔
Program Analytics
Portfolio dashboards track acceptance rates, loss trends, and broker quality over time.
▤
Bordereaux Export
Accepted submissions roll up automatically — or import from any external system and Argo formats it for you.
⊚
Override Audit Trail
Every program exception is captured, attributed, and available for E&O review.
For Carriers

Full context on
every submission.

The carrier UW workbench gives your team a complete picture before they bind — AI risk scores, indicative premium rating, SOV analysis, loss run extraction, financial scoring, and broker thread management in one place.

▦
16-tab UW workbench — fraud to pricing Every underwriting signal in one view: fraud, risk, DQ, indicative rating, SOV, financials, loss runs, renewal, and similar submissions.
◐
Indicative premium rating with override controls Indicative premium with full audit trail — revenue, PC group, experience mod, and SIC overrides all captured.
▧
Loss run & financial statement extraction AI reads PDFs so your team doesn't have to — trend analysis and ratio scoring included.
Carrier Tools →
◕
Argo Narrate
AI walks you through every risk factor in plain language before you open a tab.
◐
Indicative Rating
Indicative premium with multiplier audit trail. Override any input and re-run instantly.
→
Recommended Decision
High-confidence files get a recommended decision ready to apply. You review and submit; everything else stays in the queue.
⟳
Adaptive Calibration
Override patterns are captured and classified — Argo surfaces calibration recommendations to keep AI scoring aligned with your actual risk appetite.
For Lenders

Credit decisions,
faster and sharper.

Argonaut gives commercial lenders an AI-powered deal workbench — from financial document intake to final credit memo. DSCR calculation, risk flag analysis, and credit memos drafted in minutes, not days.

◑
Automated DSCR calculation from uploaded financials Upload tax returns, P&Ls, and rent rolls — Argo extracts figures and calculates DSCR with a full methodology trace.
⊘
Risk flag engine — concentration, leverage, liquidity AI screens every deal for material risk factors — customer concentration, covenant exposure, and industry headwinds — before the credit committee ever sees it.
▥
Credit memo drafted from deal data in minutes Argo drafts a structured credit memo — borrower overview, financial analysis, risk summary, and recommendation — ready for your review and signature.
Lender Tools →
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Deal Analysis Agent
AI extracts and structures every financial metric from uploaded documents — tax returns, P&Ls, rent rolls, bank statements.
◑
DSCR Calculator
Automated debt service coverage calculation with full methodology trace — global cash flow, NOI, and annual debt service.
⊘
Risk Flag Engine
Screens deals for concentration risk, covenant exposure, leverage ratios, and industry-specific risk signals before credit review.
▥
Credit Memo Drafter
Structured credit memo output — borrower overview, financial analysis, risk summary, and AI recommendation — in minutes.
Business Pulse

Live intelligence on any entity.

Before you commit, Argo searches the web to surface what isn't in the submission — recent news, litigation history, regulatory actions, leadership background, and financial signals — plus a live map of flood, seismic, and wildfire exposure at the entered and headquarters address.

→News sentiment and material events — last 24 months
→Active litigation, regulatory filings, and consent orders
→Executive background and leadership stability signals
→Flood, seismic, and wildfire risk mapped at each location
Try Business Pulse →
Research Brief — Cascade Logistics LLC
Recent News
No material adverse press in 24 months. Regional fleet expansion reported Q3 2024. New distribution routes added in Midwest corridor.
Regulatory & Licensing
FMCSA authority active. State operating license current. No active litigation. DOT compliance record clean.
Red Flag
3 at-fault accidents in prior 24 months — loss ratio 1.24 on expiring policy. Elevated fleet risk profile.