Quorum · Agentic core insurance

AI agents do the insurance work. Your people decide by exception.

Quorum is an AI-native insurance core from 0to60.AI. Governed agents handle intake, underwriting, servicing, billing and claims within written authority limits, on one ledger, alongside the core you run today.

Watch the 2-minute walkthrough Become a design partner

Quorum walkthrough · 1:56 · narrated, with captionsPrototype with example data. No real policyholders.

A core built for agents, not screens

Most core systems were built for people to do the work, with AI added later. Quorum starts from the decisions insurance runs on.

Agents do the work

Specialist agents read submissions, price risks, service policies and pay routine claims, end to end.

Authority built in

Every agent works under a written letter of authority, just like an adjuster or underwriter.

One ledger

Policies, premium, claims and cessions on one record. Bordereaux and reports become queries.

Starts beside your core

Overlay first, then move one line of business at a time. No big-bang replacement.

Meet the agent workforce

One agent per insurance role, each with its own scope, tools and limits.

IntakeReads broker email, ACORD forms and loss runs; clears and enriches every submission.No financial authority

UnderwritingChecks appetite, prices, quotes and binds; refers what needs judgment.Bind within set limits

ServicingEndorsements, certificates, cancellations and coverage questions.Premium change limits

ClaimsOpens claims, verifies coverage, estimates and pays routine losses.Payment limits, no injury

BillingPayment plans, cash matching, reminders and reinstatements.Reinstatement rules

RecoveryFinds subrogation and salvage opportunities on every claim.Opens files only

ReinsuranceCessions, recoveries and exposure files from the ledger.Recoveries need approval

ComplianceWatches every decision and assembles exam evidence.Can pause any agent

Governed by design, so boards and regulators can trust it

Written authority for every agent. Limits by line, state and dollar amount, enforced before anything reaches the ledger.
People decide what matters. Coverage denials, injury claims and large payments always go to a person, with the full file prepared.
Every decision is explainable. Inputs, reasoning, evidence and the authority used are recorded and can be replayed for an examiner.
Change with confidence. Simulate a new limit against your own history before you make it.

Decision log

Example data from the Quorum prototype

Underwriting bound Cedar Row Bakery, $3,980Within authority

Claims escalated water loss, reserve $38.6KNeeds approval

Underwriting referred Kestrel LogisticsReferred

Claims slip and fall routed to adjusterHuman-led

Compliance paused a rate rule for reviewPaused

One core for every operating model

Configuration, not code, changes what each insurer sees.

Regional carriers

Lower expense ratio

Agents absorb routine volume across personal and commercial lines, with statutory and reinsurer reporting straight from the ledger.

Mutuals

Capacity without hiring

Handle growth and retirements with agents, and give your board clear evidence of how every decision was made.

MGAs and program administrators

Launch programs faster

Go from idea to bound program in weeks, with live carrier reporting and delegated authority enforced automatically.

Become a design partner

We're inviting a small group of insurers to provide implementation feedback and shape Quorum with us.

What design partners get

One line of business live in 90 days, at fixed scope
Runs beside your current core, so there's no replacement project
A seat on the partner council that shapes the roadmap
Preferential pricing for early partners
Forward-deployed engineers from 0to60.AI

How it works

Discovery call. 30 minutes to find the line and process with the most manual work.
Authority workshop. Agree what agents may do alone, and what comes to your people.
90-day build. Agents go live on one line, measured against targets you set.

Now inviting design partners to provide implementation feedback

If you run a carrier, mutual or MGA and want agents doing the work under your rules, let's talk.

Connect With Our Experts Watch the walkthrough

Or email go@0to60.ai · +1 (415) 818-0260

ZeroToSixty, Inc.
2261 Market Street, STE 5959
San Francisco, CA 94114
United States

+1 (415) 818-0260

go@0to60.ai