Best AI tools for insurance broker paperwork in 2026: an honest comparison

FRANK, Quandri, SoterAI, Applied, Vertafore and Panora compared: what each AI tool automates for insurance brokers, where it works and how to choose.

November 2026 · FRANK · English · Guides

The best AI paperwork tool for an insurance broker depends on where the paperwork lives. For North American personal-lines renewals, Quandri is the specialist. For loss runs and loss-control reports, SoterAI. For brokers in Portugal and Europe who spend their day in insurer portals, email and WhatsApp, FRANK is built for exactly that work.

This guide compares the AI tools brokers ask us about most, what each one actually automates, which markets it serves and how to choose. FRANK is our product, so we say plainly where other tools are the better fit.

Key takeaways

There is no single best tool. The right one is the tool that automates your biggest time sink and works with the systems and insurers you already use.
FRANK is an AI Operator for brokers who work across many insurer portals. It reads requests from email and WhatsApp, fills in insurer portals, collects quotes and follows claims, and it is used by more than 350 agencies and brokerages.
Quandri automates personal-lines renewal reviews and requoting for brokerages in North America.
SoterAI turns loss runs, policies and claim files into client-ready reports, with a focus on commercial lines and loss control.
If you run Applied Epic or Vertafore, check the AI already built into your management system before buying anything new.
In Europe, Panora (France, Belgium, UK) and Afori (Germany) are also building AI for broker administration.

Comparison table

Tool	Best for	What it automates	Main markets
FRANK	Brokers working across many insurer portals	Email and WhatsApp intake, portal data entry, multi-insurer quotes, claims follow-up, book-of-business questions	Portugal and Europe
Quandri	Personal-lines renewals	Renewal reviews, policy requoting, client renewal emails	Canada and the US
SoterAI	Commercial lines and loss control	Loss run analysis, policy checking, loss-control and inspection reports	Commercial brokers and carriers
Applied Epic and Vertafore AI	Agencies already on those systems	Document classification, email summaries, workflow inside the management system	Mainly North America
Panora	European brokers	Document collection, quoting, compliance, commission reconciliation	France, Belgium, UK
Afori	German brokers	AI tools for broker administration	Germany
Chisel AI	Commercial policy checking	Reading and checking commercial policy documents	Reported to be winding down

What counts as paperwork in an insurance brokerage?

Broker paperwork is the administrative work around a policy that is mostly moving data between systems. Typing the same client details into several insurer portals, collecting and comparing quotes, opening a claim and chasing its status, preparing renewals, checking a policy against what was agreed and filing documents. It is where most broker time goes. Our CEO, António Castro, puts it this way: most brokers spend 80% of their time on back-office tasks instead of being with clients.

The tools in this guide automate different parts of that work. That is why the "best" one changes from one brokerage to the next.

FRANK: best for brokers who work across many insurer portals

FRANK is an AI Operator: software that does back-office tasks itself, inside the same insurer portals and systems a broker uses. It reads a client request from email or WhatsApp and flags what is missing. It logs into insurer portals with the agency's own access, fills in the forms and collects quotes from several insurers in parallel. It opens claims and follows their status, and it answers questions about the book of business, such as which policies renew next month. Every result goes back to the broker for approval before anything reaches a client.

FRANK connects to the broker management systems Libax, Gemese, MPM and i2S, and to Gmail, Outlook, Google Calendar, WhatsApp and Salesforce. Portal credentials are encrypted in a dedicated vault, data is hosted in the EU and client data is not used to train AI models. More than 350 agencies and brokerages and over 1,500 users run around 70,000 tasks a month through FRANK, and agencies report about 10 hours freed per broker, per week.

Choose FRANK if your team quotes with several insurers through their portals, receives requests by email and WhatsApp, and works in Portugal or another European market.

Quandri: best for personal-lines renewals in North America

Quandri is a renewal intelligence platform for personal-lines brokerages in Canada and the US. It reviews renewal policy data, flags year-over-year changes and coverage gaps, and drafts policy-specific client emails that brokers review and send. Its Policy Requoting feature generates competitive quotes at renewal when a policy meets criteria the brokerage sets, such as a premium increase above 10%. In October 2026 Quandri launched AI Workflows, its first step beyond renewals and into commercial lines.

Choose Quandri if you are a North American brokerage whose biggest workload is personal-lines renewals and you use one of the management systems it integrates with.

SoterAI: best for loss runs, policy checks and loss-control reports

SoterAI, from Soter Analytics, turns loss runs, policies and claim files into client-ready deliverables with page citations. Its workflows cover loss run analysis, policy checking with change summaries, and risk-control and inspection reports, all reviewed by a person before they leave the desk. It integrates with Applied Epic, Vertafore and Zywave, and Soter lists Lockton and ICW Group among its users.

Choose SoterAI if your work is commercial lines or risk control and the documents you produce for clients, not portal data entry, take most of your team's time.

AI inside your management system: Applied Epic and Vertafore

The large management systems now include AI of their own. Applied Epic offers document classification, automated activity creation and email summaries. Vertafore offers document ingestion, workflow automation and client summaries across AMS360, Sagitta and BenefitPoint. These features do not reach into insurer portals, but they are already in the system you pay for.

Choose these if you run Applied Epic or Vertafore and your main problem is document handling inside the agency, not work in insurer portals.

Other European options: Panora and Afori

Panora, a French startup, raised a $5M seed round in July 2026 to build AI software that automates document collection, quoting, compliance and commission reconciliation for brokers, including work in insurer portals. It started in France, Belgium and the UK. Afori, a German startup announced in October 2025 with €4M in funding, is building AI tools to make brokers' administration more efficient in the German market.

Chisel AI: check its status first

Chisel AI, a Toronto company founded in 2015, built AI that reads and checks commercial policy documents and won the Zurich Innovation World Championship in 2019. The insurtech outlet Coverager has reported that the company is winding down its operations, so confirm it is still available before you evaluate it.

How to choose an AI paperwork tool for your brokerage

Measure first. For one or two weeks, track how many quotes, portals per quote, claims and policy changes your team handles.
Pick the biggest time sink. Choose a tool built for that process, not the one with the longest feature list.
Check the insurers. The tool has to work with the insurer portals or systems you already quote through.
Check your systems. Ask whether it connects to your management system, your email and, if your clients use it, WhatsApp.
Keep a human in the loop. Nothing should reach a client without a broker's approval.
Ask about data. Find out where credentials and client data are stored, whether each agency's data is kept separate and whether it is used to train AI models.
Give it a few weeks. The first weeks need someone to keep credentials current and check results.

How we compared these tools

We looked at what each tool automates, which brokers and markets it is built for and what it connects to. Information comes from each vendor's website and announcements, and from insurance trade press, as of November 2026. Results quoted by vendors are their own claims. FRANK is our product. We have tried to be fair about where other tools fit better, and we will update this page as the market changes.

Frequently asked questions

What is the best AI tool for insurance broker paperwork?
It depends on the paperwork. FRANK is built for brokers who work across many insurer portals, email and WhatsApp, mainly in Portugal and Europe. Quandri specialises in North American personal-lines renewals, and SoterAI in loss runs and loss-control reports.

Can AI fill in insurer portals for a broker?
Yes. An AI Operator such as FRANK logs into insurer portals with the agency's own access, fills in the forms and brings back quotes or claim statuses for the broker to check.

Will an AI paperwork tool send things to clients on its own?
It should not. With FRANK, every result goes back to the broker for approval before anything reaches a client. Ask any vendor the same question.

Is it safe to give an AI tool insurer portal credentials?
It can be, if the credentials are encrypted, each agency's data is kept separate and every action is recorded. Avoid sharing logins with tools that cannot explain where they are stored.

How much time can AI save an insurance broker?
Agencies using FRANK report around 10 hours freed per broker, per week. It varies a lot with volume, the insurers involved and how the team works, so measure your own baseline first.

About FRANK

FRANK is an AI Operator for insurance brokers, built by a Portuguese insurtech founded in December 2024. It does back-office work inside insurer portals and broker systems, so brokers spend more time with clients. It is used by more than 350 agencies and brokerages.