With five underwriters and its vertically integrated AI-driven medical professional liability platform, Indigo announced an operational milestone: 20 percent of all submissions are now automatically underwritten, without human involvement through its proprietary AI platform, Lux.

The medical professional liability insurance platform is on pace to process over 7,000 submissions in 2025.

Indigo expects to underwrite a majority of submissions in real-time without human intervention in 2026.

“This milestone proves that AI in underwriting isn’t theoretical—it’s working at scale,” said Jason Foucher, chief product officer of Indigo. “By automating submission intake, risk analysis, and quoting, our underwriters can focus on nuanced risks and broker relationships. The result is speed for brokers, consistency for physicians, and the underwriting discipline carriers demand.”

Indigo’s platform automates end-to-end underwriting workflow, from submission ingestion and data normalization to appetite triage, risk scoring, and real-time quote generation within pre-set guidelines.

Human underwriters oversee exceptions and edge cases, ensuring high-quality judgment and compliance.

“Reaching 20 percent AI-underwritten submissions shows how intelligent automation can scale profitably without diluting quality,” said Braden Davis, chief insurance officer. “We’re growing faster with fewer people, and doing it while improving NPS across both brokers and physicians.”

Indigo continues to expand its suite of AI-driven underwriting and distribution solutions, including the recently launched Broker Portal.