Amulet Real Estate
A property MGA. The CUO and underwriting team quote, bind and administer real broker business on the platform every day.
Client requests are typically live the same day or the next.
Every submission read.Every risk rated.Every decision yours.
EC3 AI builds complete underwriting platforms for MGAs - from the broker's email to the bordereaux - so your book can grow without your back office growing with it.
In daily production at a property MGA since 1 September 2026
Workflow inboxIllustrative
From: placing team, a London broker
New business: commercial property, three locations
Proposal.pdfSchedule.xlsxClaims history.pdf
- Submission read by AI3 attachments
- Risk details extractedconfidence checked
- Appetite and referralswithin authority
- Rated per locationrate x declared value
- Underwriter approvesApproved
- Quote and documents issuedfiled to the risk
Nothing reaches a broker until a named underwriter approves it.
Underwriting capacity, multiplied.
The platform does the reading, rekeying, rating arithmetic and paperwork, and is built to scale with your team. The main limit left is underwriter approval time - and that is what it shrinks.
Up to
3x
the simple risks each underwriter can take to a bindable quote in a day - and 4-5x the complex ones.
Indicatively, a six-person team: 150-210 simple risks a day. Capacity grows with every underwriter you add, and every quote is still approved by a named underwriter.Simple risksper underwriter, per day
10-12manual
25-35with EC3 AI, up to 3x
Complex risksmulti-location, per underwriter, per day
2manual
8-10with EC3 AI, 4-5x
Indicative capacity, based on time saved per task in live use. Manual figures are a seasoned CUO's own benchmarks. Actual results depend on the line of business, the risks and the team. Capacity, not volume.
Not another tool on top. The whole platform.
Many MGAs stitch together an intake tool, a workbench, a rating engine and a spreadsheet for bordereaux. EC3 AI gives each MGA one platform of its own.
The usual patchwork
Submission intake toolrekeyed
Underwriting workbenchrekeyed
Rating enginerekeyed
Policy admin and bordereaux spreadsheets
Four subscriptions, four roadmaps, and an integration project in between.
EC3 AI
AI intake and extraction
Workflow inbox and referrals
Rating, quotes and documents
Bind, policy register, adjustments and bordereaux
One platform, one audit trail, your data - and a roadmap you set.
From broker email to bordereaux.
Eight steps, one system. Step five is the one we never automate.
Submissions arrive
A dedicated mailbox for broker emails.
AI reads
Email, proposal and schedule read; the risk extracted.
Review
Every case in one Workflow inbox.
Rating
Per location, with referral rules.
Approval
A named underwriter approves every quote.
Documents
CCQ, schedule, quote letter, statement of fact, debit note.
Bind
Policy register, mid-term adjustments, bordereaux.
Filed
Correspondence kept against the risk.
Built for specialist MGA lines.
The platform is one engine; each line adds its own rating, wordings and appetite. Here is where it stands today.
Live
In daily production
- Commercial property
- Real estate portfolios
- Multi-location schedules
Next
For Amulet Specialty
- Property and Business Interruption
- Casualty
- Liability
Set up with you
Rating and wordings built in discovery
- Construction and engineering
- Professional and financial lines
- Cyber, marine and other specialty classes
Built for MGAs. Running at MGAs.
Not a prototype or a pilot. One platform in daily production, a second about to begin.
Amulet Specialty
An Appointed Representative of Mission Underwriting UK. The live platform, rebuilt as Amulet Specialty's own, for four lines:
- Property and Business Interruption
- Casualty and Liability
- Serving The Professions, R&D and Manufacturing, and Life Science
5,500+automated checks before every update goes live
Two-factorsign-in, with role-based access
Full auditbefore and after values on every change
EU hostedAmsterdam and Frankfurt
Pen testingindependent penetration testing available with every platform
One line first. Then scale.
We bring an MGA onto its own platform a line of business at a time, proving each on real risks before the next.
Discovery and inputs
A rating authority named; appetite, rate tables, referral rules and your document pack gathered.
Rating and documents
Your rating built and tested; documents set to your paper, carriers and brand.
Intake tuned
The AI tuned to your brokers' real submission formats.
Witnessed testing
Real submissions run end to end while your underwriters exercise the system.
Go-live
Live traffic, close support and same-day fixes. Your underwriter signs off every stage.
The timeline is set together in discovery, once your inputs are known.
MGA people and platform engineers.
People who run and advise MGAs, working alongside the team that builds, secures and runs the platforms.
Management
Running and advising MGAs.
- Demetrios AntoniouChief Executive Officer
- Kyri StylianouChief Technology Officer
- Nick NicholasChief Finance Officer
- Solomon TzouvanniChief Operating Officer
- Paul BennettMGA Specialist
- Jonathan DermodyMGA Specialist
Technical delivery
Building, securing and running the platforms.
- Kyri StylianouTechnical lead and platform architect
- Eric StefanikSecurity, penetration testing and AI governance
- Michael HowardData and marketing intelligence
- Abraham MosesPlatform engineering and financial systems
Backed by an international pool of AI Assisted® certified consultants.
Questions MGAs ask us.
Does the AI make underwriting decisions?
No. The AI reads submissions, extracts the risk, applies your rating and drafts the documents. A named underwriter approves every quote before anything reaches a broker.
Is our data shared with anyone else?
No. Each MGA runs on its own platform, with its own database and documents. Hosting is in Europe: Amsterdam and Frankfurt.
Do we have to replace everything at once?
No. We start with one line of business, prove it on real risks, then add the next line, or the next brand, when you are ready.
How long does it take to go live?
We set the timeline together in discovery, once we have your rate tables, wordings and appetite. The first line takes longest; each line after it builds on what is already running.
How is it kept secure?
Two-factor sign-in, role-based access, a full audit trail of every change, over 5,500 automated checks before every update, and independent penetration testing.
Can we see it working?
Yes. We will walk you through a live MGA platform, end to end, on real cases.
See an MGA platform running live.
We'll walk you through a real platform on real cases, then talk about your first line.
Or email info@ec3ai.ai