AI-native insurance infrastructure for MGAs, coverholders, brokers, and underwriters. Facio is the all-in-one operating system for modern insurance programs: product setup, dynamic rating, quote-bind-issue, policy administration, billing, claims, bordereaux, compliance, and agent-accessible workflows.
Built for regulated insurance.
Ready for the agentic era.
Define rating matrices, underwriting questions, policy templates, clauses, sections, COIs, wordings, and risk codes: all in one low-code interface.
Define rating matrices, underwriting questions, policy templates, clauses, sections, COIs, wordings, and risk codes: all in one low-code interface.
Underwriters define the target loss ratio, and our pricing engine adjusts rates dynamically to hit it across layers, geographies, and distribution paths.
Generate bordereaux exports, premium reports, claims ratios, and custom dashboards in one click.
Integrated user management, customer protection flows, role-based access, digital journey tracking, and marketing automations — all in one CRM.
Product Builder
Define products in minutes
Smart Rating
Target loss ratio pricing
Connected Stakeholders
Underwriter, agent, customer aligned
Compliant Policy Issuance
Numbered, signed, regulator-ready
Integrated CRM
Customers, marketing, automation built-in
Bordereaux Reports
Lloyd's formats, real-time dashboards
Facio is not only API-first. It is agent-accessible. Through the Facio Agent Gateway, AI assistants and enterprise agents can discover capabilities, evaluate implementation fit, configure products and workflows, and operate approved environments under strict permissions and audit controls.
Facio's smart P&C module puts every revenue-critical workflow on one screen. Interactive risk gauges deliver real-time risk analysis as you key the quote, so underwriters hit target loss ratios with confidence. A built-in insurance billing center supports ACH, card, split payments, and pay-in-installments, capturing premium the moment the bind button is pressed. Your clients see the same data in an AI-powered customer portal that answers coverage questions, collects documents, and pushes status alerts 24/7. Need proof of cover on site? Generate an instant Certificate of Insurance with digital signature and unique policy number in seconds. From quote to cash, every action feeds Facio's compliance engine, producing regulator-ready bordereaux and audit logs automatically. One cloud-native stack, purpose-built to run profitable P&C programs faster, smarter, and without compromise.
>$1B
Premium Administered
35+
Product Lines Defined
7 Weeks
Avg Time to Go Live
99.98%
SLA-Backed Uptime
