Insurance
Earn 5× the revenue per customer — by embedding the insurance your customers, workforce, and platform participants need to operate.
How it works
Theorem auto-populates insurance applications from your customer data — payroll for workers comp, revenue for E&O, the asset register for property, the technology inventory for cyber. Connect to carrier markets for quote-and-bind in one workflow.
Distribute as agent, MGA, or carrier-direct. Earn referral fees initially; share in premium as embedding matures. Policy lifecycle, renewals, and claims flow through your ledger.
Value
Three pillars
Insurance, embedded.
Coverage that underwrites against verified data and lives inside your finance platform.
Pre-Filled Applications
Insurance applications auto-populate from SoR data. Workers comp pulls verified payroll by class code. E&O sizes against verified revenue. Cyber underwrites against your technology asset inventory. The customer reviews and signs — no manual entry.
Real-Time Quote & Bind
Carrier partners return quotes in seconds. Compare coverage and pricing in-platform. Bind a policy, generate the certificate of insurance, and post the premium to the GL — all inside the Theorem workflow.
Lifecycle Management
Renewals, endorsements, COI generation, and claims initiation all happen in-platform. Policy data feeds back into FP&A as a tracked recurring cost; claims appear as receivables when carriers pay out.
Agents in action
Insurance as infrastructure.
Agents that handle applications, quotes, renewals, and claims — with full audit trails on every policy.
Renewals run themselves
An expiring policy triggers payroll-basis recalculation, multi-carrier quoting, and binding agents that resolve in parallel without finance team intervention.
Underwriting that sharpens with use
Every policy bound, claim filed, and renewal cycle feeds back into the model. Carrier matching and quote optimization get better with every event.
Encode payroll classes, asset register, and revenue mix into structured underwriting inputs.
Match carriers to your industry, geography, and loss history for the tightest quotes.
Bind policies, issue COIs, and route claims with GL impact recorded automatically.
Loss runs and claims data feed back into the next renewal cycle and pricing.
Embed insurance into your operations.
See how Theorem turns your system of record into a coverage-issuing platform.