AI Doesn't Make Robots, It Makes Iron Man Suits

At Flow, we believe that insurance is inherently a human-centric industry, so the best investment companies can do is equip their people with technology that is a 10x force multiplier. In an era where some companies believe technology should replace jobs and automate interactions, we’ve chosen a different path. Our philosophy is simple: we don’t use AI to replace brokers; we use it to empower them. We’re not building robots; we’re building Iron Man suits—tools that enhance human abilities and allow our brokers to deliver deep expertise and exceptional service in record time.

The Philosophy Behind Our Approach

Our commitment to empowering people rather than replacing them is rooted in a deep understanding of the human difference: the experience, relationships, and creativity our brokers bring to assessing and finding coverage for risk. Insurance is complex, especially in the specialty lines we operate in—cyber liability, management liability, and professional liability. Successfully navigating this space requires a nuanced understanding of risk, an ability to navigate intricate policies, and a talent for building trust with clients. These are inherently human qualities, and no AI can replicate them, no matter how advanced. The industry would simply collapse if this dynamic was somehow broken.

But AI can complement and augment those qualities. At Flow, AI is not a substitute for brokers, but rather an extension of their capabilities. AI is a tool that allows our brokers to work smarter, faster, and with more precision. By leveraging AI, our brokers spend less time on administrative tasks and more time doing what they do best—delivering exceptional service to our clients.

AI as an Extension of Human Expertise

AI has the inherent ability to process vast amounts of data. Teaching it insurance gives a Language-based model the Knowledge-base capabilities (such as risk-appetite matching, coverage analysis, policy comparison, etc.) that are game-changing for brokers. That’s what our AI tools do for our brokers. They don’t replace the broker’s judgment or expertise; they enhance it.

For example, when assessing a client’s cyber liability needs and their best carrier match, our AI quickly analyzes the risk profile, market data, and carrier risk appetite. It gives our brokers a comprehensive view of the landscape, allowing them to craft more tailored and effective solutions for their clients. The final decision still lies with the broker, but now they’re armed with the best information available, not only to provide faster and more accurate responses but ultimately improve the outcome for the insureds.

Enhancing Client Relationships, Not Automating Them

Relationships matter in insurance. Clients don’t want to feel like they’re interacting with a machine; they want to work with someone who understands their unique needs and can provide personalized advice. That’s why, at Flow, our AI tools are designed to support, not replace, the human touch.

Our technology takes care of the background work—data entry, document analysis, and initial risk assessments—so our brokers can focus on what truly matters: building and maintaining strong relationships with and strong strategies for their clients. By automating the mundane, we free our brokers to spend more time understanding their client’s needs, providing bespoke solutions, and delivering the white-glove service that sets Flow apart.

Insurance is Heavy Touch, Heavy Impact Industry

There are only so many hours in a day, and while, of course, most brokers would love to bring care and attention to all deals - they're simply strapped too thin. This creates a really lumpy ecosystem in which, naturally, larger premiums rise to the top in terms of hands-on service, and smaller ones sink to the bottom into a ghost-town. This is a highly natural distribution of energy in a commission-incentivized world. With an ironman suit - helping brokers glean insights, draft comparisons, and stay on top of markets - much of the time-consuming lift is significantly reduced. This makes it possible, for the first time ever, for brokers to bring the same level of care, attention, and thoughtfulness to every single deal.

The Future of AI and Human Collaboration in Insurance

As AI continues to evolve, so too will its role in the insurance industry. This ecosystem is so dynamic that when wholesalers are equipped to work at 10x capacity, everyone benefits. That’s why at Flow, we’re leading this evolution with a focus on human-AI collaboration. We believe that the future of insurance isn’t about choosing between human expertise and technological efficiency—it’s about combining the two to create value for our clients and opportunities for our brokers.