The Evolution of Insurance: An Open Platform for SOP Driven Operations

From Talk to Action

Some of you will know that we've been discussing how AI can revolutionize every aspect of the insurance industry. Well, we've decided to stop just talking about it and actually build it. Today, we're creating an open-source project that anyone can use to help move the insurance market forward.

This is an experiment, but one we've fully designed. We've spent the time thinking through every component, documenting the architecture, planning how Standard Operating Procesdures (SOPs) become executable, designing the security model, and mapping out exactly how this can work. Now we're building the MVP to prove the concept is real.

We'll make the code available as soon as the MVP is complete, so everyone can see the base and starting point. From there, the community can help shape where it goes.

This isn't about revolution anymore. It's about evolution. The next logical step in how insurance operations should work in an AI-enabled world.

Why We're Building This

The insurance industry has been slow to adopt AI beyond simple chatbots and basic automation. Meanwhile, AI has advanced to the point where it can understand complex procedures, make nuanced decisions, and handle sophisticated workflows. The gap between what's possible and what's being done is enormous.

Rather than wait for traditional vendors to catch up, we're building an open platform that proves what modern AI can do for insurance operations. We'll open-source the code soon, making it free for anyone to use for commercial purposes, experimentation, or just to learn how AI can transform insurance workflows.  Exsting Vendors can tag along and embedded in their current solutions

Even if you're not interested in using it for your insurance operations, the code will serve as a blueprint for how to make AI understand and execute business procedures, creating systems that can think and adapt rather than just follow rigid rules.

The Core Innovation: Your Procedures Become the System

Here's what makes this fundamentally different from every other insurance platform: your Standard Operating Procedures aren't just documentation, they ARE the system logic.

Traditional software hard codes business rules or requires complex configuration. Want to change how underwriting works? That could be months of development and testing. Need to adjust claims procedures? Call your vendor and get in line!

Our platform reads and executes your written SOPs directly. When you update a procedure document, the system immediately adapts its behavior. Your underwriting guidelines, claims procedures, and customer service protocols become living documents that directly control operations.  Plus it learns as it goes so canm adapt to your unique perspective. 

Think about how you train new employees. You give them your procedures manual and they learn to follow it. That's exactly what our system does, except it never forgets, never gets tired, and executes with perfect consistency while still applying judgment based on the guidelines you've written.

Starting with Cyber, Built for Everything

We're beginning with cyber insurance because it's inherently technology focused and highly relevant in today's market. But the SOP driven architecture means the same platform can handle any line of business. Property, casualty, professional liability, specialty lines, it doesn't matter. Different SOPs, same intelligent execution engine.

The procedures for marine insurance are completely different from cyber coverage, but that's just different documents for the system to read and follow. No reprogramming required.

Works With What You Have

This platform isn't meant to replace everything you've already built, unless you are strating from scratch. It's designed as an intelligent orchestration layer that connects and enhances your existing systems.

Got a policy administration system you've spent years customizing? Keep it. Our platform reads your SOPs to understand when and how to interact with it. Using a specific claims management platform? Perfect. The SOP explains how to use it, and the system follows those procedures. Have a preferred rating engine or document generation system? Your procedures describe when to call them, and the platform executes accordingly.

The flexibility comes from our tool-based approach combined with SOP interpretation:

Connect to your existing tools through APIs or database connections, with the SOPs defining when and how to use them.

Use our built-in tools for common operations like company verification, risk scoring, or document generation when your SOPs call for them.

Create custom tools for proprietary processes, with your procedures controlling their usage.

For example, your underwriting SOP might say "Check the application against our existing policy admin system for duplicate coverage, then run our proprietary rating algorithm, then use the standard document generator for quote production." The platform reads this, understands it, and executes it using whatever combination of existing, built-in, or custom tools you've configured.

The Technical Foundation

• We're using LangGraph to orchestrate workflows and deep agents that follow your SOPs, creating execution paths that can loop back, reconsider decisions, and handle exceptions just as your procedures describe. This isn't simple automation; it's intelligent interpretation and execution of complex procedures.
• LangChain provides the connectivity layer, allowing the system to use whatever tools your SOPs require. Whether checking company registrations, analyzing security configurations, or calculating premiums, the platform executes the actions your procedures specify.
• The system works with any Large Language Model, whether you prefer GPT-4/5, Claude, or open-source models running on your own infrastructure. The LLM provides the understanding; your SOPs provide the instructions.
• Built on Django for the web framework and API layer, providing a robust and well-understood foundation
• Celery for asynchronous task processing and queuing, ensuring the system scales efficiently
• Redis for caching, message queuing, and real-time features
• PostgreSQL for primary data storage with full audit trails
• Docker containerization for easy deployment and scaling
• All components are open-source technologies, no proprietary dependencies

Deep Reasoning, Not Just Rules

When your SOP says "investigate the applicant's financial stability," the system doesn't just check a credit score. It understands this means examining multiple factors, looking for concerning patterns, knows what tools are availble to assist, and applying judgment based on the context you've provided in your procedures.

If your claims SOP specifies "look for indicators of potential fraud," the system recognizes patterns, investigates anomalies, and escalates appropriately, all based on the guidelines you've written. It pursues threads of investigation, digs deeper when something seems off, and knows when human judgment is needed.

The Open-Source Promise

We're making this completely open-source because we believe insurance innovation shouldn't be controlled by a few large vendors. When we release the code:

Anyone can use it for any purpose, including commercial operations.

You can see exactly how your SOPs are being interpreted and executed.

You can modify it to better understand your specific procedures.

The community can contribute improvements that benefit everyone.

There's no vendor lock-in, no licensing fees, no restrictions.

What We're Building Right Now

Today, we're starting development of the MVP that will demonstrate:

SOP-Driven Execution: Upload your underwriting procedures and watch the system interpret and execute them, making decisions based on your written guidelines.

Dynamic Adaptation: Update an SOP document and see the system immediately change its behavior without any code modifications.

Tool Integration: Connect to existing systems or use built-in tools, all controlled by what your procedures specify.

Human Oversight: Your SOPs define where human review is required, and the system respects those checkpoints.

As soon as the MVP is complete, we'll release it publicly so everyone can see the foundation we've built and understand the starting point. This won't be a polished product, but it will be a working proof of concept that demonstrates SOP-driven operations are possible.

Beyond the MVP

While we're starting with core underwriting and claims workflows, the architecture supports any procedure-driven operation. Policy administration, billing, compliance reporting, capacity management, if you have SOPs for it, the platform can execute it.

The platform scales from small MGAs with simple procedures to large operations with complex, multi-step SOPs. Same code base, same execution engines, just different procedures.

We Want Your Input

As we build this, we're looking for MGAs, brokers, and insurance professionals who want to shape how this platform develops. We need to know:

What procedures are most painful to execute manually today?

How do your SOPs interact with your existing systems?

What concerns do you have about automated procedure execution?

Would seeing your actual procedures being executed convince you this works?

Join Us in Building the Future

This is an experiment in making insurance operations truly intelligent. We have the full design, we're building the MVP, and we'll share everything with the community as soon as it's ready to demonstrate the concept.

This isn't a finished product we're selling. It's an open-source project we're building in public, with input from the insurance community. Whether you want to use it, contribute to it, or just watch it develop, we want you involved.

The insurance industry already runs on procedures. We're experimenting with making those procedures directly executable while respecting your existing technology investments.

Over the coming weeks and months, we'll share our progress, release code, and demonstrate what's possible when SOPs become more than just documentation.

The Bottom Line

We're putting our code where our mouth is. Instead of just talking about how AI can transform insurance, we're building it. Open-source. Free. For everyone.

Your procedures are your competitive advantage. Your systems are your investment. Our platform makes them work together intelligently, adapting as your business evolves.

Whether you use it, learn from it, or ignore it, the code will be there proving that insurance operations can run directly from the procedures you already maintain.

This is the evolution we've been waiting for. Let's build it together.

Interested? Want to contribute ideas? Have concerns? Let us know.