Your insurance agency runs on manual work. Every new client adds more of it.

Commission statements that don't reconcile. Renewals tracked from memory. Applications that come back for corrections. Certificates, endorsements, and client emails that fill the day. Navicade builds the AI-assisted workflows that handle the repeat work across your whole operation, with your team approving every output, then hands you the system to keep.

Get your 7-day Operations Audit → See what the Audit finds
// what we believe

The problem isn't your team. It's that the work never grew up with the agency.

// at five

At five producers, manual works. You know every client, every renewal, every carrier quirk.

// at fifteen

At fifteen, that same manual process is buried. More statements, more renewals, more applications, all checked the same way: by hand, when someone gets to it. You don't have a people problem. You have a process built for an agency half your size.

Hiring another admin adds capacity to the leak. It doesn't close it. What closes it is a system that does the repeat work the same way every time, flags the exceptions, and leaves the judgment to a person. That's what we build, across the whole operation.

// the system
// before we talk about ai, we map the operation

Every agency runs on the same four cycles.

The repeat work is spread across all of them, not stuck in one back-office corner. We map the whole machine first, then find where AI fits.

// 01 — writing new business

New business

  • application intake & error-checking
  • carrier submission & rate comparison
  • bind, issue & deliver
// intake bottleneck
NIGO

not-in-good-order: the submission error that restarts finished work

Highlighted is where we've already built, and where most agencies start. The Audit covers every cycle. The Pilot fixes the one costing you most.

// where it bleeds

The friction shows up in the same places. US or Greece.

We mapped how agencies run by interviewing owners. Different agencies, different countries, the same handful of leaks.

// 01

commission reconciliation

Carrier statements arrive in every format and on every schedule, and none of them match your contracts line by line. Checking by hand is hours nobody has, so underpayments and wrong rates go unnoticed.

5-10% off is common on a first full reconcile

// 02

policy checking

Every policy needs someone to compare what was issued against what was applied for. At volume that check gets skipped, or it eats an afternoon, and a coverage gap becomes a liability you didn't choose.

error rates of 20-40% are common in manual checking

// 03

renewals

Renewals slip when they live in a calendar or someone's memory. You find out a client lapsed when they call to cancel, or you don't find out at all.

retention is where growth quietly leaks

// 04

new business

Incomplete submissions (called NIGO in the US) bounce back from the carrier and restart work your team already finished once. The bottleneck is almost always a checklist nobody runs the same way twice.

rework is the capacity drain owners name most

// 05

client service & email

Service requests, billing questions, and certificate asks pile up between calls. Each one is five minutes. Across a full book, they are a part-time job nobody was hired for.

more than half the day goes to admin, not selling

// 06

audit & documentation

When a carrier or regulator asks for a file, the work is in pulling it together, not reviewing it. It happens manually, from memory, under pressure.

audit prep typically runs 2-4 days of staff time

The Audit tells you which one is costing you most, in your currency, from your data. Not an industry average. Yours.

// how the work splits

AI prepares the work. A person approves every output.

AI does the repeat work across every cycle on the map. It stops at anything that carries a coverage call, a client relationship, or your name on a filing. That waits for a person.

AI handles
the repeat work that slows your team down
  • parse carrier statements and match them to your book
  • extract data from applications, declarations, and PDFs
  • draft endorsements, certificates, and replies
  • flag policy-check exceptions before they bind
  • track renewals and queue the outreach
  • sort and route inbound email and requests
Your team handles
the judgment, the relationships, the calls that matter
  • coverage advice and the recommendation
  • the disputed commission, the hard exception
  • binding and submitting to the carrier
  • the client conversation and the relationship
  • anything regulated, signed, or irreversible

What that looks like on one workflow

01 / intake
Carrier statements
every format
02 / ai
Parse & match
expected vs paid
03 / ai
Flag the gaps
scanning…
04 / human
You sign off
queued

The same four steps run on any workflow on the map. The AI does the matching and the drafting. You make every call that matters. commission reconciliation, shown · hover to pause

// the offer

The 7-day Operations Audit

Seven days. A clear, costed picture of where your time and money go, across the whole operation. Yours to keep.

Seven days. Three deliverables. Yours to keep.

What your team does: provide two exports and take one 30-minute call. We do the rest.

7 days, start to finish
30 min your team's time — one call, two exports
3 deliverables, yours to keep regardless
day 1

You export your commission statements and your book of business, from your system, whatever it is, an AMS, a carrier portal, or a spreadsheet, and send them over. We sign a data-processing agreement first. We work for your agency, never the carrier.

days 2-6

We run your numbers: where commissions don't reconcile, which manual workflows AI can take off your team, what it would take to fix each one.

day 7

You get three deliverables, yours to keep.

revenue leak map

Where money is leaking, in your currency, from your own data. Not an industry average. Yours.

ai opportunity map

Which repeat workflows can run with AI preparing and your team approving, ranked by hours saved. Where AI belongs, and where it doesn't.

build plan

What to fix first, what it takes, and what it's worth. The first project fully specified.

What your team does: provide two exports and take one 30-minute call. We do the rest.

What your team does not do: no analysis or ROI math, no data extraction, no report drafting, no prep work between sessions, no status reports back to us.

If we find nothing worth building, we tell you. The Audit stands on its own.

The guarantee: if we don't deliver all three by Day 7, you choose: a full refund, or we keep working at no charge until you have all three. The deliverables are defined upfront, in writing, before the Audit starts.

What you keep: everything we find, whether you hire us to build the fixes or run with it yourself.

// from 13 interviews with agency owners

Real people, real words.

“I spent six hours a week reconciling commission statements. Some come in XLS, some in Google Sheets, some in PDF.”— Kevin Sullivan, US agency
“One company took our residual income. I’m still serving the client, but I’m not getting paid for it.”— Rosie Paulsen, US agency
“You can grow 50 percent, but if you’re losing 50 percent in retention, you’re at the same place.”— Michael Senderovich, US agency
“I work from 6am to 6pm and feel like I didn’t accomplish anything.”— Josh, US agency
// questions owners ask

Straight answers.

Eight questions we hear on every first call.

Ask anything we missed at hello@navicade.com.

Navicade looks early. Why should I trust you with this?

You get a real number from your own data before you decide anything. The method comes from interviews with agency owners about where their week actually goes, and George runs every engagement himself. We'd rather prove it on your statements than show you someone else's logos.

We tried an AI vendor and got nothing. Why would this be different?

The gap is almost never the technology. It's that nobody built it into how your agency actually works, then left you to run it. We build into your stack, put a human approval step on every output, and hand you ownership. You're not buying a tool and hoping. You get a workflow that already works on your data before you pay to keep it.

My accountant already handles commissions.

Your accountant records what came in. The Audit finds what was supposed to come in and didn't: the payment that never landed, the rate the carrier set wrong, the bonus tier that was never applied. Different job, different number.

Do you work with agencies outside the US?

Yes. George works with agencies in the US and brokerages in Europe, including Greece. Your statements come in different formats and your commission structures differ, but the operational work is the same. The Audit works from whatever your system exports, in any format.

Does this work if we have multiple offices or a downline?

Yes. The more producers and carriers you run, the more the repeat work compounds, and the more reconciliation and payout tracking is worth automating. The workflows we build run on your data at whatever volume you operate.

Do we have to switch off our existing system?

No. We build on top of the system you already run, whether that's an AMS like Applied Epic, AMS360, or EZLynx, a CRM, a carrier portal, or a spreadsheet export. It stays your system of record. No migration, no new software for your team to learn.

What happens to our data?

We sign a data-processing agreement before you send anything, and we act as a processor working only for your agency, never the carrier. We work from read-only exports, hold them in an isolated environment for the seven days, use them only for your work, and delete them after, with written confirmation. You decide what's in the export and can redact client identifiers.

What happens when you're gone?

Everything I build is yours, with a recorded walkthrough so your team can run it without me. It runs on your data, not on my availability. There's no lock-in and no platform you're renting. If you stop working with me, you keep the system.

See your number first. Decide after.

Most agencies start with the Audit. Seven days, a real figure from your own data, before any money changes hands. Then you decide whether the fix is worth building.

Run by George Kaldelis, former Allianz agent. You own anything we build.

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