CFC Pilots Agentic Underwriting With Launch of Lane Assist and Quotes First Policy

CFC, the specialist insurance provider, pioneer in emerging risk and market leader in cyber, has today announced the launch of Lane Assist, a world‑first pilot of agentic underwriting in specialty insurance that takes a submission from email through to quote recommendation in seconds.

By automating data extraction and quote construction on low‑complexity submissions, agentic underwriting has the potential to significantly accelerate the journey from enquiry to quote for brokers, particularly on high‑volume, mass‑appetite risks. Believed to be a world first in specialty insurance, Lane Assist is designed to increase the proportion of submissions handled on a low‑touch basis, delivering faster and more consistent responses while maintaining underwriting quality. For brokers, this means less friction, shorter turnaround times and greater confidence that straightforward risks are progressing efficiently, freeing underwriters to focus their expertise on complex and specialist enquiries where their insight adds the greatest value.

Launching this month, Lane Assist has gone live as a pilot within CFC’s Cyber underwriting team, engaging a small number of real new business submissions reviewed by an underwriter in live workflows, and producing real quotes. This approach allows CFC to test performance, learn quickly and refine the technology before considering any broader rollout.

The pilot represents the first step toward deploying and scaling agentic underwriting at CFC, supporting faster and more consistent quoting while preserving underwriting judgement. Lane Assist prepares quotes using CFC’s established underwriting rules and practices, with every recommendation reviewed, checked and approved by an underwriter before anything is issued.

“Lane Assist represents a genuine step change in how underwriting can be augmented responsibly using AI,” said Chris Mullan, Head of Data and AI at CFC. “This is not a lab experiment – it’s working with real submissions, in live workflows. By starting small, we can validate outcomes, learn quickly and ensure the technology fully supports our underwriters rather than overriding their judgement.”

As part of the pilot, CFC is also exploring how an augmented underwriting model could reshape day‑to‑day practice, including how time saved on routine submissions can be reinvested in broker relationships and complex risk assessment.

“This pilot puts us firmly on the front foot in our AI journey,” added Mullan. “Our focus is on scaling agentic underwriting in a way that is genuinely valuable – for brokers, underwriters and ultimately our customers.”