Indigo, an AI-driven medical professional liability platform, has announced that 20% of its underwriting submissions are now processed automatically by its proprietary AI platform, Lux, without human intervention.
Indigo’s achievement highlights its capacity to scale underwriting operations while maintaining efficiency. The company projects processing over 7,000 submissions in 2025 with a team of five underwriters, a volume that traditionally necessitates a larger staff in conventional insurance carriers. Indigo anticipates that the majority of its submissions will be underwritten in real-time, without human oversight, by 2026.
Jason Foucher, Chief Product Officer at Indigo, stated, “This milestone proves that AI in underwriting isn’t theoretical—it’s working at scale. By automating submission intake, risk analysis, and quoting, our underwriters can focus on nuanced risks and broker relationships. The result is speed for brokers, consistency for physicians, and the underwriting discipline carriers demand.”
The platform automates the complete underwriting process, from ingesting submissions and normalizing data to triaging appetite, scoring risks, and generating real-time quotes within established guidelines. Human underwriters are tasked with managing exceptions and complex cases, ensuring adherence to quality judgments and compliance standards.
Braden Davis, Chief Insurance Officer for Indigo, commented on the development: “Reaching 20% AI-underwritten submissions shows how intelligent automation can scale profitably without diluting quality. We’re growing faster with fewer people, and doing it while improving NPS across both brokers and physicians.”
This operational milestone coincides with Indigo’s continued expansion of its AI-driven underwriting and distribution solutions, which includes the recently introduced Broker Portal. These advancements aim to modernize the medical malpractice insurance sector through increased speed, transparency, and data-informed pricing.
Indigo provides medical professional liability insurance to physicians and medical groups, leveraging artificial intelligence for data-driven underwriting that delivers rapid quotes and customized pricing. The company, supported by healthcare investors Rubicon Founders and Oak HC/FT, also offers a technology platform designed for ease of use and maintains a defense team to protect its insureds.
