Cooper
Cooper is an AI coworker for commercial insurance teams that reads dec pages, loss runs and applications, fills ACORD forms and carrier supplements, drives carrier portals, compares quotes and drafts proposals. It serves retail agencies, wholesale brokers, MGAs, insurers and claims TPAs, working inside the agency management systems, inboxes and document stores teams already use every day.
What is Cooper?
Cooper is an AI coworker purpose-built for the commercial insurance workflow, from the moment a submission lands in an inbox to the final bound policy and the renewal that follows. Rather than another dashboard of menus and fixed workflows, Cooper performs the document-heavy work the way an experienced account manager or underwriter would: it reads the source documents, extracts the details, completes the forms, and assembles the package for a human to review.
The core loop starts with a forwarded email or a set of uploaded files. Cooper reads every dec page, loss run, application, statement of values and supplemental document, pulls exposures and prior losses into the right fields, and fills ACORD forms such as 125, 126, 130, 137 and 140 along with carrier market supplementals. Each field traces back to the document it came from, and Cooper flags only what is genuinely missing, such as an unconfirmed roof age or an unknown sprinkler status, instead of silently guessing.
From there Cooper can log into live carrier portals and enter the same risk across multiple markets, so the team stops retyping identical data. When quotes return, it normalizes mismatched carrier terms into a single comparison, flags coverage differences and silent downgrades, and drafts the client proposal in the agency's own template. The same account data carries forward into certificates of insurance, endorsements, renewals and claims intake, where Cooper captures FNOL details and checks them against the policy.
Cooper connects to systems of record including Applied Epic, AMS360, HawkSoft, EZLynx, Guidewire and Origami Risk, plus Outlook, Teams, Slack, SharePoint, OneDrive, Salesforce, HubSpot and Zapier, reading documents where they live and writing results back. The vendor reports SOC 2 Type II controls, HIPAA-compliant handling, role-based access, audit logs and a commitment never to train models on client data. Cooper Lite is a self-serve edition for agencies of up to five users that works from email and files without AMS, rater or carrier-portal integrations.
The vendor positions Cooper against fixed-workflow platforms: it adapts to how a shop actually runs rather than forcing a menu of templates, and it asks instead of assuming when a document is ambiguous. Reported results include more than $970 million in premiums processed, a claimed four times faster path to first quote, and 99.2% form-fill accuracy, all vendor-reported figures rather than independently audited benchmarks. Role-specific editions extend the same engine to wholesale brokers placing business faster, MGAs and insurers scaling underwriting without adding headcount, and claims TPAs moving from intake to reporting. Buyers should still expect configuration and review work: Cooper assembles the package, but a licensed person checks it, approves flagged exceptions and sends it to market.
Cooper Core Features
Reads dec pages, loss runs, applications and schedules, then completes commercial and personal lines ACORD forms and carrier market supplementals with each field traced to its source document.
Drives live carrier portals directly, entering one risk across multiple markets in parallel instead of retyping the same data carrier by carrier.
Normalizes returned quotes into a single side-by-side comparison, flags coverage differences and silent downgrades, and drafts client proposals in your agency's template.
Builds five-year loss summaries and statements of values from raw loss runs and spreadsheets, assembling a complete submission package for review.
Verifies certificate and endorsement requests against the bound policy, issuing routine COIs while routing real exceptions to a person.
Monitors renewal dates, reads policy forms, and drafts plain-language expiring-versus-proposed comparisons for clients.
Integrates with agency management systems including Applied Epic, AMS360, HawkSoft, EZLynx and Guidewire, plus Outlook, Teams, Slack, SharePoint, OneDrive, Salesforce, HubSpot and Zapier.
Supports claims intake with FNOL capture from email or call notes, policy checks, and loss-run reporting for claims TPAs, MGAs and insurers.
Who is Cooper for?
Cooper is built for commercial insurance organizations rather than general businesses. Its core audience is independent retail agencies writing property and casualty business, where account managers spend hours turning a forwarded client email into a market-ready submission. It equally targets wholesale brokers who receive submissions in every imaginable format and need to route each risk quickly to the markets most likely to write it, and MGAs and insurers who must run every risk against program guidelines, flag anything outside appetite before it binds, and produce bordereaux on schedule. Claims TPAs use Cooper to capture first notice of loss details, check them against the policy, and assemble loss runs whenever a carrier asks. The buying team usually spans producers, account managers, submission and placement staff, underwriters, and operations leaders. Producers get quote-ready meetings and renewal prep. Account managers stop re-entering the same account data between the agency management system and carrier portals. Operations leaders care about audit trails, role-based access, and SOC 2 Type II or HIPAA obligations. Cooper Lite is aimed at a narrower slice: small independent agencies with five users or fewer that want to start on their own, from email and uploaded files, without an AMS integration or an implementation project. If a team already runs Applied Epic, AMS360, HawkSoft, EZLynx or Guidewire and wants Cooper writing directly into those systems and carrier portals, the full Cooper deployment is the relevant starting point. Organizations with high submission volume, multiple teams, or governance requirements should plan for the guided implementation path rather than the self-serve plan. It is a poor fit for consumer-facing quote comparison, for teams that want coverage bound without any human review, or for businesses outside insurance that simply need a general document agent. Cooper assumes commercial insurance vocabulary and artifacts, so value depends on real submission volume and on staff who can review completed forms. Small agencies should also weigh the Lite ceiling carefully: five users, no AMS write-back, no carrier-portal automation, and no SOC 2 or HIPAA coverage. An agency that expects to grow past that boundary, or whose clients demand formal security attestations, should evaluate the full deployment from the start instead of migrating later.
Cooper Use Cases
Turn a forwarded client email and attachments into a completed ACORD submission package in under twenty minutes of review.
Compare quotes from several carriers side by side and draft a client-ready proposal without reformatting each carrier's terms.
Fill submissions into multiple carrier portals at once instead of re-entering the same risk ten times.
Catch silent coverage downgrades, sublimit changes and exclusions before a renewal reaches the client.
Issue certificates of insurance and endorsements that are checked against the bound policy, escalating only genuine exceptions.
Triage and clean inbound wholesale submissions, routing each risk to the markets most likely to write it.
Run every risk against MGA or insurer program guidelines and flag anything outside appetite before it binds.
Capture first notice of loss from calls and email and assemble loss runs whenever a carrier requests them.
Cooper Pros and Cons
Pros
- Covers the full commercial insurance lifecycle, from submission and ACORD completion through quote comparison, proposals, certificates, renewals and claims intake, rather than one narrow task.
- Works inside existing systems of record and live carrier portals, so agencies avoid a rip-and-replace migration and stop duplicating data entry.
- Field-level source tracing and explicit missing-information flags suit insurance work, where a wrong answer costs more than a slow one.
- Transparent entry pricing: Cooper Lite is published at $99 per month for up to five users, month-to-month, with a seven-day money-back guarantee.
Cons
- The full Cooper deployment has no public price; organizations needing AMS and carrier-portal integrations must go through a sales demo and custom quote.
- Cooper Lite excludes AMS integrations, raters, automated carrier-portal entry, SOC 2 Type II controls, HIPAA, RBAC and audit logs, and its monthly usage limits are not yet published.
- There is no free plan or public API, so teams cannot test the product without paying or booking a demo, and custom automation must go through supported integrations.
FAQ About Cooper
Cooper Pricing
Paid subscription with two tiers. Cooper Lite is $99/month for up to 5 users, billed month-to-month with no setup fee and no annual contract, and includes a 7-day money-back guarantee; this is introductory pricing against a regular price of $499/month. Lite covers ACORDs, market supplementals, loss summaries, submission packages, quote comparison, proposals, certificates, endorsements and renewals, with limited monthly usage, but excludes AMS integrations, raters, carrier portals, SOC 2 Type II, HIPAA, RBAC and audit logs. The full Cooper deployment, which adds those integrations and governance features plus higher volume and guided implementation, is quoted through sales after a demo; no public price is listed. The /pricing URL returns 404, so figures come from the Cooper Lite page.
Check official pricingCooper Lite
Up to 5 users, month-to-month, no setup fee. Introductory price against a $499/month regular rate. Includes ACORDs and market supplementals, loss summaries, submission packages, quote comparison, proposals, COIs, endorsements and renewals, with limited monthly usage; no AMS, rater or carrier-portal integrations and no SOC 2, HIPAA, RBAC or audit logs.
Cooper
Full deployment for organizations: AMS integrations, carrier portals, raters, flexible users, higher-volume workflows, guided implementation, dedicated support, SOC 2 Type II, HIPAA, RBAC and audit logs. Priced through sales after a demo.
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