Yukthi Labs
    Agentic AI for Specialty Insurance

    AI that underwrites specialty risk.And defends every decision it makes.

    Yukthi reads the full submission, surfaces what contradicts, checks it against appetite and regulation, and hands your underwriter a decision they can defend. Across every specialty line, on one engine.

    Bring a submissionSee the D&O workflow

    Built for specialty insurers, Lloyd's syndicates, MGAs, and reinsurers

    D&O renewal decisioning
    D&O renewal · live underwriting flow
    insured/ACME-HOLDCO
    1. Submission receivedRenewal pack
      running
      SlipLoss runsFinancial statementsPrior policy
    2. Documents readFields extracted
      queued
      Limit · USD 10M
      Retention · USD 250K
      Prior claims · 2
      Jurisdiction · UK
    3. Contradiction surfacedMaterial discrepancy
      queued
      Claim in loss run not disclosed in proposal form
      flagged · material
    4. Rules checkedRegulatory & appetite
      queued
      • FCA disclosure obligations · pass
      • Sanctions & KYC · pass
      • Appetite: financial lines · in-scope
    5. DecisionReferred to underwriter
      queued
      Recommendation · renew with revised retention
      Referred to underwriter
      Reasoning trail attached
    Renewal ready for underwriter review
    cycle · 3m 48s

    Specialty risk is decided on documents. What matters most is usually buried in them.

    Why → the Yukthi Framework

    Decisions, not drafts.

    Every decision runs through three gates.

    Yukthi's three decision gates: KNOW consolidates the risk, UNDERSTAND applies insurance reasoning, DECIDE produces an auditable action or referral to the underwriter.

    KNOW. Everything you hold on a risk, consolidated. Contradictions surfaced, not buried.

    UNDERSTAND. Insurance reasoning applied: what is material, what regulation attaches, what predicts.

    DECIDE. An action or a referral to your underwriter, with the reasoning trail attached.

    Two solutions, up close.

    Every solution runs the same platform. These two show it end to end.

    D&O Renewal Underwriting.

    The full agentic value chain: reads the renewal file, surfaces contradictions, validates regulatory obligations, delivers an auditable recommendation. Judgment calls go to the underwriter, not past them.

    Agentic D&O renewal underwriting pipeline from renewal file to auditable recommendation with referral to underwriter.
    Explore the solution

    Surety Underwriting.

    Reads the bond request, checks capacity against bonded exposure, tests the work-in-progress schedule against the financials, and validates indemnity and obligee terms. Exceptions go to the underwriter with the reasoning attached.

    Agentic surety underwriting workflow from bond request to auditable bond decision, with capacity exceptions referred to the underwriter.
    Explore surety

    Also on the platform: Professional Indemnity · Cyber · Marine · Property and Energy · Financial Institutions · Renewals · Explore every line →

    Governed by Trust Fabric.

    GROUNDED KNOWLEDGE

    Every finding traced to the document it came from.

    BOUNDED AUTHORITY

    Agents act only within delegated authority and appetite.

    REGULATORY VALIDATION

    Obligations checked before any action is taken.

    CONFIDENTIALITY WALLS

    Client and syndicate data kept strictly separated.

    DECISION TRAIL

    The full reasoning recorded on every decision.

    Governance enforced at runtime, in the path of every decision. Regulatory awareness across Lloyd's, PRA, FCA, EU AI Act, CBUAE, SAMA, and IRDAI.

    ISO 27001 Aligned·SOC 2 Ready

    Integrates with your core

    Guidewire · Duck Creek · Majesco · Salesforce · Genesys · Snowflake

    We plug in. We don't replace.

    Built for the underwriting desk.

    Bring us a submission.

    A D&O renewal, a bond request, a marine risk. Send one, redacted or synthetic, and see the decision your underwriter would receive.

    Bring a submission