Indigo’s AI is no longer an experiment — it’s a workhorse.
The vertically integrated, AI-driven medical professional liability platform announced that 20% of its submissions are now fully underwritten through its proprietary system, Lux, without any human involvement. The milestone represents a significant step toward scaling underwriting capacity while preserving accuracy and discipline.
With only five underwriters, Indigo is on pace to process more than 7,000 submissions in 2025 — a level of throughput that legacy carriers would typically need many times the staff to achieve. By 2026, the company expects most submissions will be underwritten in real time, entirely through AI.
“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.”
At the heart of this progress is Lux, Indigo’s proprietary underwriting engine. The platform automates every step of the workflow — from submission ingestion and data normalization to appetite triage, risk scoring, and instant quote generation within pre-set parameters. Human underwriters still oversee exceptions and edge cases, maintaining the judgment and compliance that remain essential in medical liability coverage.
Braden Davis, chief insurance officer, said the milestone reinforces how automation can support growth without compromising standards.
“Reaching 20% AI-underwritten submissions shows how intelligent automation can scale profitably without diluting quality,” he said. “We’re growing faster with fewer people, and doing it while improving NPS across both brokers and physicians.”
The announcement follows the launch of Indigo’s Broker Portal, part of a broader effort to modernize the underwriting and distribution process. Together, these initiatives are pushing medical malpractice insurance into a new era — defined by speed, transparency and data-driven pricing.
Backed by leading healthcare investors Rubicon Founders and Oak HC/FT, Indigo provides medical professional liability insurance to physicians and medical groups through an AI-powered, data-driven model. The company’s approach combines advanced underwriting technology with a strong defense team dedicated to protecting insureds and giving physicians the freedom to focus on patient care.
