Fulcrum by Fulcrum

Fulcrum

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  Catalyit Partner Since July 2026 | Last Updated July 2026

Fulcrum is an AI transformation partner for insurance brokerages, covering commercial lines, personal lines, and employee benefits in one platform. It automates the account lifecycle end to end, from intake and comparison through binding, servicing, and renewal, so account managers spend less time on manual work and more time advising clients.

Features & Quick Stats

Best for

 Workflow automation for growing agencies

Key Features

  • Policy Checking & Coverage Comparison

  • Automated Proposal Generation

  • Contract Review & Coverage Gap Analysis

  • Certificates of Insurance

  • Loss Run Reports & Tower Analysis

  • Renewal & Submission Automation

  • Native Applied Epic Integration (read/write)

Core Business

Fulcrum builds AI agents for insurance brokerages, with the goal of cutting out the manual work that eats into an account manager's week. The sales side gets automated proposals and coverage comparisons, while the servicing side gets automated policy checking and loss run ingestion, letting brokerages grow their book of business without adding headcount.

How Fulcrum Helps Independent Agents & Brokers

Fulcrum takes over the high-volume manual work that account managers and producers currently do by hand, things like policy checking, coverage comparisons, certificates, and loss run reports, and writes the results back into the AMS rather than just reading from it. That shifts the account manager's role from executing paperwork to advising clients, since Fulcrum runs the workflow and the human reviews exceptions instead of approving every transaction. Brokerages using the platform can grow their book without growing headcount at the same rate, since capacity scales with automation instead of being capped by how much one person can process.

Integrations

Applied Epic, ImageRight, Microsoft Outlook 

AI Capabilities

Fulcrum uses AI to read and reconcile insurance documents (policies, quotes, binders, contracts, loss runs) and turn them into structured outputs like policy checks, coverage comparisons, and proposals. The AI does the extraction and matching work, flagging mismatches or gaps for a person to review, and account managers stay in control of what gets sent to a client or written back into their agency management system.

Certifications & Awards

  • Important company certifications: SOC 2 Type II compliant, with continuous monitoring through Drata and data encrypted in transit (TLS 1.2+) and at rest.

  • Relevant industry awards or distinctions: Named a finalist for Insurance Placement Technology Innovation of the Year at the 2026 Business Insurance U.S. Insurance Awards in Chicago.

Subscriber Deals

Pricing flexibility is part of every conversation we have with Catalyit subscribers. Our sales team will work out the specifics with you directly.

Catalyit Team Review

Helping commercial teams handle more accounts by automating the preparation work around them
Updated: August 2026

What we like:

  • Targets work that consumes experienced employee capacity: Policy checking, coverage comparisons, proposal preparation, loss-run processing, and other document-heavy workflows can require significant account-manager time without necessarily requiring that employee to perform every step. 
  • Designed to work across the workflow, not just analyze a document: Fulcrum can process insurance information, apply workflow logic, and create usable outputs rather than stopping at a summary or extracted data.
  • Connects with the agency's existing systems: Fulcrum works with AMS and email environments so employees can use existing account context rather than repeatedly assembling information for a standalone AI tool. 
  • The product appears to be shaped around real brokerage workflows: Current customer examples demonstrate use across both larger brokerages and smaller agencies, with workflows being adapted around actual commercial insurance processes rather than generic document automation. 

Things to consider:

  • Human review remains important. Policy checking, coverage analysis, proposals, and other insurance outputs can affect client decisions and E&O exposure. Agencies should define exactly what employees must verify before work is considered complete. 
  • Start with measurable workflows. Fulcrum covers a growing portion of sales and service operations. Agencies will get a clearer business case by selecting a few high-volume processes rather than trying to automate everything at once. 
  • Integration depth should be tested in your environment. Confirm what information Fulcrum can retrieve from and return to your specific AMS, Outlook environment, document systems, and other tools.
  • Complex accounts deserve deliberate testing. Agencies should evaluate unusual schedules, manuscript coverage, layered programs, specialty lines, and other edge cases rather than judging accuracy only on straightforward accounts.

Summary

Commercial insurance employees spend significant time preparing information before they can apply their expertise. 

A policy check requires someone to compare what was bound with what was issued. A proposal requires information to be gathered, normalized, checked, and formatted. Coverage analysis requires employees to find important details across multiple documents. Loss runs need to be read and organized before anyone can interpret what they mean. 

Fulcrum is designed to automate more of that preparation work. It processes insurance documents and account information, executes defined workflows, and produces outputs that employees can review rather than asking experienced staff to manually build everything from the beginning. 

Why should agencies care? Capacity is increasingly constrained by experienced insurance talent. If account managers and producers spend large portions of their day finding, comparing, rekeying, and formatting information, the agency is using expensive expertise for work technology may be able to perform. 

What stood out during our review is Fulcrum's emphasis on completing workflows rather than simply answering insurance questions. The opportunity is not another AI window employees need to visit. It's reducing the manual work already embedded in sales and service processes. 

Key Features:

  • Automated policy checking 
  • Coverage and quote comparisons 
  • Proposal preparation 
  • Loss-run ingestion and analysis 
  • Insurance document processing 
  • Sales and servicing workflow automation 
  • AMS and Outlook connectivity 
  • Structured, reviewable workflow outputs 

Best fit for:

  • Commercial P&C agencies where account managers spend significant time checking policies, comparing coverage, and preparing proposals 
  • Growing brokerages trying to increase account capacity without adding service headcount at the same rate 
  • Agencies currently outsourcing document-heavy insurance work that they would prefer to control internally 
  • Commercial teams wanting automation connected to their existing AMS and communication workflows 
  • Organizations willing to standardize high-volume workflows and establish clear human-review requirements 

May not be ideal for:

  • Agencies with very low commercial-lines volume or limited document-processing workload 
  • Organizations looking primarily for personal-lines comparative rating or client-facing self-service 
  • Agencies expecting AI to independently make coverage decisions without experienced employee review 
  • Teams unwilling to test and refine automation against their more complex accounts and exceptions 

Deeper Dive

The Problem Being Solved: Commercial account work contains a lot of skilled judgment surrounded by repetitive preparation. 

Policy checking is a good example. 

The important question is whether the issued policy accurately reflects what was bound and whether discrepancies create a coverage or client issue. 

Before an account manager can answer that question, someone needs to locate the relevant documents, identify the coverage details, compare them, and surface the differences. 

Proposal preparation has the same problem. Employees may spend hours gathering data from the AMS and carrier documents, normalizing coverage information, checking details, and formatting a client-facing presentation before the producer can have the actual insurance conversation. 

Fulcrum is designed to automate more of that surrounding work. 

That distinction matters to us. The goal isn't removing experienced employees from insurance decisions. It's getting them to the point where their expertise is needed faster. 

Why It Matters to Agencies: Commercial account work contains a lot of skilled judgment surrounded by repetitive preparation. 

Policy checking is a good example. 

The important question is whether the issued policy accurately reflects what was bound and whether discrepancies create a coverage or client issue. 

Before an account manager can answer that question, someone needs to locate the relevant documents, identify the coverage details, compare them, and surface the differences. 

Proposal preparation has the same problem. Employees may spend hours gathering data from the AMS and carrier documents, normalizing coverage information, checking details, and formatting a client-facing presentation before the producer can have the actual insurance conversation. 

Fulcrum is designed to automate more of that surrounding work. 

That distinction matters to us. The goal isn't removing experienced employees from insurance decisions. It's getting them to the point where their expertise is needed faster. 

What Stood Out to Us: What stood out during our review is Fulcrum's focus on end-to-end insurance workflows. 

Many AI tools can summarize a PDF or answer a question about a policy. Fulcrum is trying to move beyond that point by connecting inputs, agency context, workflow logic, and finished outputs. 

Its current customer examples make that distinction easier to see. 

Heffernan Insurance Brokers uses Fulcrum for policy checking, with the workflow comparing policy documents and helping the team bring work back in-house. RCM&D uses Fulcrum around coverage analysis and proposal preparation, where the issue was not simply extracting data but turning information into usable client work. 

Those examples also reinforce something we think agencies should prioritize during evaluation: edge cases. 

Commercial insurance is full of them. A workflow that performs well on a straightforward BOP isn't necessarily ready for a complex property schedule or sophisticated middle-market account. Fulcrum's willingness and ability to adapt workflows around brokerage processes may therefore be as important as the underlying AI. 

We would keep the technology itself in the background of the buying decision. 

For us, Fulcrum's differentiation is more practical: it is designed to complete more of the preparation work surrounding commercial insurance decisions so producers and account managers can spend their time on the decisions themselves. 

Final Thoughts

We came away seeing Fulcrum as a commercial insurance capacity platform more than an AI product. Policy checking, coverage analysis, proposals, loss runs, and similar workflows consume meaningful employee time because important insurance judgment is surrounded by repetitive document work. 

What interests us most is Fulcrum's effort to automate more of that work from beginning to end while remaining connected to the systems employees already use. The potential outcome isn't simply faster document processing. It's giving producers and account managers more capacity for clients, coverage decisions, and growth. 

For an agency principal or commercial-lines leader, Fulcrum is worth further evaluation if experienced employees are spending too much time preparing work before they can apply their expertise. We would choose two or three high-volume workflows—policy checking and proposal preparation are strong candidates—and benchmark current time, quality, employee touches, and exceptions. Then test Fulcrum on both ordinary and difficult accounts. If it materially reduces preparation while preserving the agency's review standards, that's where we see the strongest business case. 

* Unbiased review based upon information and insights available at the time of publication.