# Legal AI for insurance

> GenieAI helps insurance teams draft, review, and negotiate policy wordings, reinsurance, and broker agreements with current-law accuracy across 150+ jurisdictions.

**Industry:** Insurance

Broker, policy, and claims paperwork - drafted, reviewed, and audited in minutes

Teams at hyperexponential, HoSt Group, Blockworks, Firefish and Cambridge United Football Club use Genie to draft, review and negotiate their contracts.

## Insurance contracts, underwritten faster

GenieAI is the AI legal assistant trusted by 200,000+ business teams. We draft, review, and negotiate insurance contracts - policies, reinsurance, broker agreements, claims protocols - with current-law accuracy across 150+ jurisdictions.

- Auto-draft policy wordings, reinsurance, and broker agreements
- Surface coverage, exclusion, and subrogation exposure pre-signature
- 500+ insurance-ready templates across 150+ jurisdictions, free to use

## What insurance teams run through Genie

### Draft broker and outsourcing agreements

Produce a first draft of a broker agreement, binding authority or outsourcing contract from a plain-English brief.

[https://www.genieai.co/use-case/create-contracts](https://www.genieai.co/use-case/create-contracts)

### Negotiate against your own conduct standards

Check a broker's or TPA's markup against the positions legal and compliance accept on delegation and liability.

[https://www.genieai.co/use-case/review-negotiate](https://www.genieai.co/use-case/review-negotiate)

### Consistent delegation across every arrangement

It remembers the positions you took on the last binding authority, so your delegated arrangements stay defensible.

[https://www.genieai.co/use-case/ai-contract-assistant](https://www.genieai.co/use-case/ai-contract-assistant)

### Ask what a binding authority actually delegates

Get answers on authority limits, reporting duties and termination, each tied back to the exact clause.

[https://www.genieai.co/use-case/ask-your-document](https://www.genieai.co/use-case/ask-your-document)

### Redline broker agreements inside Word

Mark up a broker agreement or binding authority in the document the counterparty sent, without breaking your audit trail.

[https://www.genieai.co/use-case/word-add-in](https://www.genieai.co/use-case/word-add-in)

## How teams use Genie in Insurance

### Sales

- **Close broker and B2B deals faster** — Auto-draft broker, distribution, and reinsurance agreements in seconds, with your standard positions applied.
- **Negotiate within playbooks** — Surface pre-approved fallback terms so commercial teams move without paging legal for every redline.
- **Track deal-stage regulatory risk** — See where every commercial agreement sits versus your regulatory and counterparty positions.

### Procurement

- **Vendor onboarding in minutes** — Review claims-tech, actuarial, and SaaS agreements in one pass, with risk areas flagged automatically.
- **Standardise across suppliers** — Enforce your data-protection, SLA, and audit-rights positions across the entire supplier base.
- **Spend-control insights** — Surface auto-renewal and price-hike clauses across the supplier base before they trigger.

### Leadership

- **See underwriting and regulatory exposure** — Surface enterprise-wide risk across policy, reinsurance, and supplier contracts in a single dashboard.
- **Move faster on growth and M&A** — Spin up due diligence packs, acquisition agreements, and joint-venture terms without delaying the deal.
- **Empower every team within guardrails** — Set regulatory and underwriting positions once; let claims, ops, and procurement teams draft within them.

### In-house Legal

- **Outsource the routine work** — Auto-handle NDAs, supplier MSAs, standard policy schedules, and broker terms so you focus on novel issues.
- **One source of truth for clauses** — Maintain a living insurance-specific playbook your underwriting and claims teams can draft from directly.
- **Move quicker on negotiations** — Suggest pre-approved fallbacks for indemnity, liability, and run-off clauses instantly.

### Operations

- **Streamline contract intake** — Triage incoming broker, supplier, and SaaS agreements automatically against your playbook.
- **Standardise across the supplier base** — Enforce a uniform position on data, SLAs, and audit rights across every vendor.
- **Cut cycle time** — Reduce review backlog from weeks to days with AI-first triage on every incoming agreement.

## Real Insurance teams using Genie

> Inside Stadium MK Group: eight businesses, three venues, 23 club partners. A commercial team that ships contracts in minutes, not days.

— MK Dons, From sponsor deals to concert riders to indemnity wording, one commercial team handles every negotiation. Genie sits in the middle of the workflow, helping them draft contracts, weigh redlines, and get to a position the same afternoon.

- **Industry:** Sports. Events. Entertainment
- **Group:** Stadium MK Group
- **Businesses:** 8 entwined
- **Mode:** 24/7 always-on

[Read case study](https://www.genieai.co/case-studies/mk-dons)

## How does GenieAI compare to ChatGPT?

| Capability | GenieAI | Claude | ChatGPT |
| --- | --- | --- | --- |
| Conversational interface | Yes | Yes | Yes |
| Can upload docs & PDFs | Yes | Yes | Yes |
| Review against your playbook rules | Yes | Yes | No |
| Edit and negotiate in tracked changes | Yes | No | No |
| Collaborative legal editor for teams | Yes | No | No |
| Compare against a proprietary legal dataset | Yes | No | No |
| Manage complex deals with Eidetic Intelligence | Yes | No | No |
| Develop an org-wide legal brain | Yes | No | No |
| Save templates, playbooks, insights | Yes | No | No |

## Insurance contracting, answered

### Which insurance documents can GenieAI generate?

[Broker agreements](https://www.genieai.co/en-us/template-type/broker-agreement), policy wordings, claims correspondence, [reinsurance contracts](https://www.genieai.co/en-gb/template/reinsurance-agreement), and the regulatory submissions PRA, FCA, NAIC, and other insurance regulators expect.

### Can insurance teams review contracts without waiting for legal?

Yes. Legal sets the positions your business accepts once, as a playbook, and Genie reviews incoming [broker agreements](https://www.genieai.co/en-us/template-type/broker-agreement), [binding authorities](https://www.genieai.co/en-gb/template/binding-authority-agreement) and outsourcing contracts against it, so routine work moves without joining a legal queue.

Anything outside those positions is flagged rather than waved through, so legal keeps the standard and the business keeps the timeline.

### Who decides which contract positions we can accept?

Legal does. The playbook is authored and owned by your legal function: preferred positions, acceptable fallbacks, and the points you will not concede. Genie applies it rather than substituting a standard of its own.

That division is the point. The business gets speed without reopening settled questions, and legal gets consistency without reviewing every draft.

### How long does a binding authority review take with Genie?

It depends on length and how much the counterparty has changed, so we publish customer outcomes rather than a single headline figure. Firefish, a market research agency of 50 to 100 people with its own in-house legal function, cut contract review time by more than 50% and now handles the same volume with half the legal availability.

HoSt Group, a 700-person energy company, gives 25 commercial seats to its sales and commercial teams and reports 80% faster reviews. The saving comes from Genie reviewing against your playbook first, so whoever opens the contract starts from a marked-up draft rather than a blank page.

### Does GenieAI work inside Microsoft Word?

Yes. Genie works directly in Microsoft Word, so you review and redline in the document your counterparty actually sent, rather than moving it into another system and breaking your review trail.

DocuSign and Adobe Sign integrations are in development.

### What happens when a counterparty's redline falls outside our playbook?

Genie flags the deviation instead of accepting it. The change is identified against the specific position it breaches, so whoever reads it can see what was altered, why it matters, and whether it needs a decision from legal.

Escalation is the feature rather than the failure. It is how legal stays in control of the standard while everything inside the standard keeps moving.

### Is our contract data used to train AI models?

No. Documents you generate or upload stay in your tenant, are not used to train models, and confidential material is not shared with third-party LLMs.

GenieAI is ISO 27001 certified and operates under GDPR.

### Does GenieAI work with binding authorities and market wordings?

Yes. Genie reviews [binding authorities](https://www.genieai.co/en-gb/template/binding-authority-agreement), [broker agreements](https://www.genieai.co/en-us/template-type/broker-agreement), [policy wordings](https://www.genieai.co/en-us/template-type/insurance-policy) and [reinsurance contracts](https://www.genieai.co/en-gb/template/reinsurance-agreement) against the positions your team has agreed, including limits, territorial scope, claims control and reporting obligations.

Wordings drift. The same product placed through three brokers picks up three sets of amendments, and the version that pays a claim is whichever one was actually signed.

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