# Layerup

> Layerup is the agentic AI operating system for insurance and financial services. It deploys long-horizon background AI agents that run uninterrupted for hours or days inside carriers', MGAs', health plans', banks', and lenders' existing systems — automating claims, underwriting, servicing, collections, billing, fraud detection, and compliance workflows end to end, governed and auditable, with humans approving instead of doing.

Key facts:

- Long-horizon AI agents automate every step of a function (e.g. an entire claim from FNOL to payment) in a single continuous run — unlike one-shot agents, which return a single output from a single prompt and stop, they carry persistent state, wait for missing evidence, and stay on a case for hours or days until the work is finished.
- Agents run inside existing core systems — claims platforms, underwriting workbenches, policy admin, core banking, loan origination and servicing — with no rip-and-replace.
- Every agent action is governed: audit logs, reasoning traces, human approval gates, exception routing, and role-based controls.
- Operating shift: several days of manual handoffs become minutes of parallel execution; teams move from doing the work to approving it.
- Coverage: 14 lines of business across insurance (auto, property, life, health, health plans, commercial, workers' comp, cyber, IDI/specialty/E&S, mortgage insurance) and financial services (consumer lending, cards & payments, deposits & banking, mortgage).
- Security and sovereignty: SOC 2 Type II certified, PCI DSS and HIPAA compliant; deploys in managed cloud, private VPC, your cloud of record, on-premises, or a sovereign region — same governance and audit everywhere.

## Problems We Solve

- [Reduce claims cycle time & automate FNOL intake](https://uselayerup.com/solutions/claims): A long-horizon agent runs FNOL to adjuster-ready file; cuts leakage with estimate QA on every estimate.
- [Clear underwriting submission backlog](https://uselayerup.com/solutions/underwriting): The complete case compressed from intake through quote; faster quote turnaround and renewal review.
- [Subrogation recovery automation](https://uselayerup.com/blog/closing-the-subrogation-gap): Turning recoverable exposure into actual recoveries.
- [Insurance fraud detection & SIU referral quality](https://uselayerup.com/solutions/fraud-siu): Substantiated, evidence-backed referral packets instead of alert noise.
- [Policy servicing automation](https://uselayerup.com/solutions/customer-service): Endorsements, COIs, cancellations, reinstatements — executed in core systems, not deflected.
- [Billing backlog & unapplied cash aging](https://uselayerup.com/solutions/billing): Posting, reconciliation, dunning, and refunds end to end.
- [Collections roll rates & recoveries](https://uselayerup.com/solutions/collections): Compliant outreach from triage to cure, end to end.
- [KYC / AML alert backlog & SAR deadlines](https://uselayerup.com/solutions/compliance): Alert clearing with audit-ready evidence.
- [Prior auth turnaround, denials & appeals](https://uselayerup.com/solutions/lob/health): PA submission, denial root-causing, and appeal packets inside the EHR.
- [Card disputes & chargebacks (Reg E / Reg Z)](https://uselayerup.com/solutions/lob/cards-payments): Representment evidence and regulatory timelines, end to end.
- [Workers' comp claim duration](https://uselayerup.com/solutions/workers-comp): FROI to closure with medical record summarization.
- [On-prem / sovereign AI agents](https://uselayerup.com/security): SOC 2 Type II, PCI DSS, HIPAA — managed cloud to on-prem and sovereign regions.

## Platform

- [Agentic AI Platform](https://uselayerup.com/platform): The sovereign agentic AI OS — a 10-layer stack (data layer, unified context engine, swappable models, alignment layer, agents, governance, command center) for multi-geo, multi-model, multi-cloud enterprises.
- [Security & Governance](https://uselayerup.com/security): SOC 2 Type II, PCI DSS, and HIPAA — deployment topologies from managed cloud and private VPC to on-prem and sovereign regions, runtime guardrails with kill switch, hash-chained tamper-evident audit.
- [Deployment Services](https://uselayerup.com/deployment-services): Six-phase methodology taking AI agents from workflow discovery to governed production inside existing systems.

## AI Agents by Function

- [All Solutions](https://uselayerup.com/solutions): Long-horizon AI agents for every function, in every line of business — the full solutions map for insurance and financial services automation.
- [Claims Automation](https://uselayerup.com/solutions/claims): AI claims agents run FNOL intake, coverage verification, fraud and subrogation flagging, reserves, and adjuster-ready files in one continuous run.
- [Underwriting Automation](https://uselayerup.com/solutions/underwriting): AI underwriting agents ingest submissions, extract data, summarize risk, screen appetite, and prepare quotes and referrals to bind-ready — reasoning on the complex cases rules engines refer, deployed behind the existing workbench or as a replacement for it.
- [Customer Service](https://uselayerup.com/solutions/customer-service): Long-horizon conversational AI agents hold voice, chat, email, and SMS conversations and run each request to resolution — tailored to the use-case: claims intake, policy servicing, customer service, billing, and more.
- [Conversational AI Agents](https://uselayerup.com/solutions/conversational-ai): Conversational AI agents deployed beyond the service desk — voice, chat, email, and SMS conversations executed end to end inside claims, underwriting, fraud, collections, billing, compliance, QA, producer monitoring, and distribution.
- [Collections](https://uselayerup.com/solutions/collections): AI collections agents work delinquent accounts end to end — triage, compliant outreach, promise-to-pay, hardship, and recovery packaging.
- [Billing & Payments](https://uselayerup.com/solutions/billing): AI billing agents resolve inquiries, post and reconcile payments, clear unapplied cash, run dunning, and prepare refunds.
- [Fraud Detection & SIU](https://uselayerup.com/solutions/fraud-siu): AI fraud agents monitor intake and file evidence continuously, detect cross-file patterns, and deliver SIU-ready referral packets.
- [Compliance (KYC & AML)](https://uselayerup.com/solutions/compliance): AI compliance agents run KYC onboarding, clear AML alerts, prepare SAR packets, and assemble audit-ready evidence.
- [Underwriting & Claims QA](https://uselayerup.com/solutions/qa): AI QA agents review every claim and underwriting file against your guidelines, catch leakage and misses with evidence-linked findings, and drive remediation to closure.
- [Broker & Distribution](https://uselayerup.com/solutions/broker-distribution): AI distribution agents intake broker submissions, run clearance and appetite match, chase missing information, and reconcile commissions.
- [Producer Monitoring](https://uselayerup.com/solutions/producer-monitoring): AI agents continuously monitor producer activity and prepare evidence-backed compliance case packets for review.
- [Workers' Comp Claims](https://uselayerup.com/solutions/workers-comp): One AI agent runs each workers' comp claim from FROI to closure — medical summarization, work status, compensability, examiner handoff.
- [Other Insurance Operations](https://uselayerup.com/solutions/other-operations): AI operations agents run enrollment, eligibility, carrier changes, beneficiary updates, and terminations autonomously.

## AI Agents by Line of Business

- [Auto Insurance](https://uselayerup.com/solutions/lob/auto): Long-horizon AI agents for personal and commercial auto claims and underwriting.
- [Property Insurance](https://uselayerup.com/solutions/lob/property): AI agents for homeowners, dwelling, and commercial property claims and underwriting.
- [Life Insurance](https://uselayerup.com/solutions/lob/life): AI agents for individual and group life claims and underwriting.
- [Health](https://uselayerup.com/solutions/lob/health): AI agents for prior auth, denied auth, and appeal management for healthcare organizations.
- [Health Plans](https://uselayerup.com/solutions/lob/health-plans): AI agents for payer operations across commercial, Medicare Advantage, Medicaid, and ACA.
- [Commercial Insurance](https://uselayerup.com/solutions/lob/commercial): AI agents for GL, BOP, package, and middle-market claims and underwriting.
- [Workers' Comp](https://uselayerup.com/solutions/lob/workers-comp): AI agents for statutory workers' compensation claims and underwriting.
- [Cyber Insurance](https://uselayerup.com/solutions/lob/cyber): AI agents for cyber liability and tech E&O claims and underwriting.
- [IDI / Specialty / E&S](https://uselayerup.com/solutions/lob/specialty): AI agents for individual disability, specialty, and E&S programs.
- [Mortgage Insurance](https://uselayerup.com/solutions/lob/mortgage-insurance): AI agents for private mortgage insurance claims and underwriting.
- [Consumer Lending](https://uselayerup.com/solutions/lob/consumer-lending): AI agents for origination, servicing, and collections across consumer loans.
- [Cards & Payments](https://uselayerup.com/solutions/lob/cards-payments): AI agents for disputes, chargebacks, fraud, and cardholder servicing.
- [Deposits & Banking](https://uselayerup.com/solutions/lob/deposits-banking): AI agents for account onboarding, servicing, and error resolution.
- [Mortgage & Home Lending](https://uselayerup.com/solutions/lob/mortgage): AI agents for origination, servicing, and default / loss mitigation.

## How It Works

- [Interoperability](https://uselayerup.com/resources/interoperability): The governed orchestration layer between enterprise work and systems of record — read, stage for approval, write back with audit-grade lineage.
- [Specialization](https://uselayerup.com/resources/specialization): How Layerup agents learn from every decision your experts make and compound that knowledge inside your environment.

## Company

- [About](https://uselayerup.com/about): Layerup builds autonomous AI systems for insurance and financial services infrastructure; backed by Y Combinator, Founders Inc, Pioneer Fund, and Multicoin Capital.
- [Contact / Book a Demo](https://uselayerup.com/contact): Start with one workflow, one line of business, and a measurable KPI target.
- [Blog](https://uselayerup.com/blog): Field notes on deploying AI agents inside insurance operations.

## Optional

- [Compressing FNOL-to-payment cycle time from 14 days to 36 hours](https://uselayerup.com/blog/compressing-fnol-to-payment-cycle-time)
- [From doing to approving: the new operating model for insurance work](https://uselayerup.com/blog/from-doing-to-approving-operating-model)
- [Submission throughput is the new growth lever for commercial carriers](https://uselayerup.com/blog/submission-throughput-new-growth-lever)
- [Deploying AI agents inside modern policy admin and claims cores without ripping them out](https://uselayerup.com/blog/deploying-ai-agents-inside-policy-admin-and-claims-cores)
- [From signal to substantiated: rebuilding fraud detection around outcomes, not alerts](https://uselayerup.com/blog/fraud-detection-from-signal-to-substantiated)
- [Estimate QA is the highest-leverage AI deployment in auto and property claims](https://uselayerup.com/blog/estimate-qa-highest-leverage-claims-deployment)
- [Closing the subrogation gap: turning recoverable exposure into actual recoveries](https://uselayerup.com/blog/closing-the-subrogation-gap)
- [Renewal review at scale: from queue to bound in days, not weeks](https://uselayerup.com/blog/renewal-review-at-scale)
- [Reserve accuracy is the unspoken loss-ratio lever](https://uselayerup.com/blog/reserve-accuracy-the-unspoken-loss-ratio-lever)
- [Appetite consistency: how to expand the top line without expanding the risk profile](https://uselayerup.com/blog/appetite-consistency-grow-without-growing-risk)
- [Purpose-built, not general-purpose: why Layerup ships a different agent for every underwriting and claims line](https://uselayerup.com/blog/purpose-built-agents-for-underwriting-and-claims-lines)
- [Agents that compound: how Layerup's AI improves the more your enterprise uses it](https://uselayerup.com/blog/how-ai-agents-improve-as-enterprises-use-them)
- [Privacy Policy](https://uselayerup.com/privacy)