Ship AI

AI for insurance agencies and agents. Renewals ready on time.

Ship AI Studio builds AI workflows for independent insurance agencies with 10 to 500 people. It prepares renewals, certificate requests, and new business intake for your staff to approve. Licensed staff keep every coverage decision. Start with a $1,500, one-week AI Assessment that ends with a fixed build scope or a clear no.

Independent agencies · Commercial lines · Personal lines · MGAs

Published prices
AI Assessment
$1,500for one week
AI Build Sprint
$5,000for two weeks
AI Operations
$999a month

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The fix · Insurance agenciesReadout
#WorkflowWorthCall
01Renewal preparationHours per renewalBuild first
02Certificate of insurance requestsMinutes per certificateBuild
03New business intakeRetyping per applicationLater
04Coverage and bindingStays with a personClear no

Licensed staff decide coverage, quote, and bind. The system prepares the file.

Where the hours go in insurance agencies.

Three workflows we look at first. Each one is slow, repeated every week, and safe to hand to a system with a person approving.

  1. 01 · Hours per renewal

    Renewal preparation

    Today
    Account managers pull the policy, the loss runs, and the changes by hand, then rebuild the submission for each market.
    With the system
    The renewal file is assembled from the agency system and the inbox, with the changes and the gaps listed.
    Your part
    The account manager reviews the file and decides which markets get it.
  2. 02 · Minutes per certificate

    Certificate of insurance requests

    Today
    Certificate requests arrive all day by email, and each one is checked against the policy by hand.
    With the system
    Each request is matched to the policy, the certificate is prepared, and anything outside the coverage is flagged.
    Your part
    Staff approve each certificate before it is sent. Unusual requests go to a person.
  3. 03 · Retyping per application

    New business intake

    Today
    Applications and ACORD forms arrive as PDFs and emails, and someone retypes them into the agency management system.
    With the system
    Fields are pulled from the forms, missing items are listed, and one request to the client is drafted for approval.
    Your part
    Staff check the record before it is saved. Nothing is bound without a licensed person.

What the $1,500 AI Assessment does.

One week on one workflow. For an agency, the week usually starts with renewals or certificates. We sit with an account manager, look at the agency management system and the inbox, and count the hours.

  • A map of where leads, hours, and paperwork get stuck today
  • What it is worth, in dollars
  • Workflow or agent: which one fits, and what it needs access to
  • A ranked plan with the tools, checks, and approval points
  • A fixed Build Sprint scope, or a clear reason not to build

Credited in full toward a Build Sprint that starts within 30 days.

About the Assessment
  1. Day 1

    Kickoff call

    We pick the one workflow or agent to review.

  2. Days 2–3

    Watch the work

    Short interviews and a look at the tools and data it touches.

  3. Day 4

    Put a number on it

    What leaks, in dollars and hours, and what must wait for a person.

  4. Day 5

    Readout

    Your ranked plan, and a fixed Build Sprint scope or a clear no.

See how ChatGPT and Google see your agency.

Add your website. Six questions. A free report in two minutes.

Optional. We check if AI agents can read it.

The controls you will ask about.

We describe what we build, not a certification we hold. Your compliance team reviews the rules and the log before go-live.

We build on the tools you already use: agency management systems such as Applied Epic, AMS360, HawkSoft, or EZLynx, carrier portals, document storage, and email. The Assessment confirms which ones we can reach and how.

What your compliance officer will ask before you use AI
  1. A person approves

    Anything that goes out in your name, changes a record, or moves money waits for your yes.

  2. Every action on record

    Each step is logged with its inputs, its source, and who approved it.

  3. Scoped data access

    The system reads only the records the job needs. Nothing is copied out to train a model.

Santos Hernandez was the founding product hire and later VP Data at ZBD: $0 to $12M ARR, the EU's first MiCAR approval, and money transmitter licenses in 26 states and D.C. Before that: American Express, Bank of America, Vanguard, Wells Fargo, and Discover. The person you talk to builds it.

Meet the founder

Last updated October 27, 2026 · Santos Hernandez, Founder & CEO

Questions and short answers.

01How much does AI cost for an insurance agency?

With Ship AI Studio, the first step is the AI Assessment: $1,500 for one week. A Build Sprint is $5,000 flat for one workflow or agent, live in two weeks. AI Operations is $999 a month to keep it running. The Assessment fee is credited in full toward a Build Sprint that starts within 30 days.

02What do we get from the $1,500 AI Assessment?

In one week we review one workflow with your team. You get a map of where the hours go, what the fix is worth in dollars, whether a workflow or an agent fits, a ranked plan with the approval points, and a fixed Build Sprint scope or a clear reason not to build.

03Will AI give coverage advice or bind policies?

No. The system prepares renewal files, certificates, and intake records. Licensed staff make every coverage and binding decision, and every approval is logged.

04Which tools do you work with?

We build on the tools you already use: agency management systems such as Applied Epic, AMS360, HawkSoft, or EZLynx, carrier portals, document storage, and email. The Assessment confirms which ones we can reach and how.

05Our team has no time to learn AI. Is that a problem?

No. We build it on the tools your team already uses, test it with them on real cases, and hand over a short guide. Your team approves the work. They do not build it.

06Do you guarantee results?

No. The Assessment puts a dollar number on the workflow before you spend more. If the number is too small to pay for a build, the readout says so and you stop there.

Start with renewals or certificates.

A free 15-minute call with Santos. Bring the task your account managers do over and over.

  • $1,500 Assessment, credited toward a build
  • $5,000 flat, live in two weeks
  • A person approves every step that matters

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