Built to unify the disconnected broker stack.
Insurance brokerages run on a constellation of disconnected systems — Riskman Online, AMS360, Applied Epic, carrier portals, email, WhatsApp, voice, accounting. Routina is the AI middleware that makes them work together as one operational layer. No system replacement. No migration. No vendor lock-in. The first workflow goes live in weeks, not quarters.
SCOPE
Brokerage operations aren’t one workflow. They’re a tangle of channels and systems.
A commercial broker shopping a renewal across eight carrier portals. A personal-lines agent fielding a WhatsApp question, an email follow-up, and a phone call about the same auto policy. A health-and-benefits team reconciling commission statements from a dozen carriers at month-end. Each transaction touches five systems, three channels, and at least two people — none of which talk to each other.
Routina works because it doesn’t ask you to migrate. It sits between the systems your brokerage already runs — Riskman Online, AMS360, Applied Epic, HawkSoft, carrier portals, QuickBooks, email, WhatsApp — and unifies them into one operational layer. The agents that handle renewals are different from the ones that field client communication. The integrations are different. The data flows are different. What stays consistent is the platform underneath — the same logistics-grade orchestration engine that runs healthcare delivery, applied to broker operations.
THREE OPERATIONS, ONE PLATFORM
Where Routina runs in insurance.
Three brokerage shapes we see most. They share a platform but not a workflow. Each has its own agents, integrations, and operational rhythm.
Commercial Lines Brokerages
Mid-sized independent brokerages running commercial accounts — property, casualty, business owner policies, professional liability. Carrier shopping, renewal orchestration, certificate management, and policy administration across Riskman Online or AMS360. The fragmented stack that Routina was first deployed against.
Renewal Coordinator monitors 800 active commercial policies daily, flags every renewal entering its window, pulls quotes from carrier portals, and prepares the comparison ready for producer review.
Personal Lines Agencies
Auto, home, umbrella, and life insurance agencies handling high transaction volume across many small policies. Client communication via WhatsApp, SMS, email, and voice — often the same client, same day, across all four. Unified client timeline solves what fragmented inboxes can’t.
Communication Coordinator threads a client’s WhatsApp question, follow-up email, and Friday phone call into one unified conversation — the right CSR responds once with full context, not three times with partial views.
Health & Group Benefits
Brokers placing group health, dental, vision, life, and disability for small-to-mid employers. Open enrollment season volume, carrier-by-carrier rate shopping, employee communication, COBRA administration, eligibility tracking. Routina’s HIPAA-native infrastructure was built for exactly this kind of PHI workflow.
Enrollment Coordinator runs open enrollment for a 240-employee group — schedules info sessions, sends bilingual enrollment links, tracks employee selections, drafts the final group census for the carrier.
ORIGIN
We didn’t theorize insurance from outside. We built it with brokers.
Routina’s insurance practice was built alongside a Puerto Rico-based brokerage facing exactly the problem most brokers face today: a closed core system (Riskman Online), 8-15 carrier portals, fragmented client channels, and a manual commission reconciliation nightmare every month. The same logistics-grade orchestration engine that runs healthcare delivery — already HIPAA-compliant, already battle-tested against real audits — translated directly into broker operations.
That’s the difference between insurance software written by software people and insurance software built with operators who know what a Friday afternoon at a busy brokerage actually looks like. The platform survives a renewal week under pressure, not just a quarterly demo.
IN PRACTICE
Two brokerage workflows, start to finish.
Not a feature list. Two actual flows our agents run — what each step is, which agent owns it, what integration it touches, and what the producer or CSR sees.
COMPLIANCE
Insurance-grade by default.
Not features we added. Conditions we built in — because in insurance brokerage, the regulator, the carrier, and the E&O complaint can all show up the same week.
Full Audit Trail
Every client interaction across every channel logged automatically. Every document version, every recommendation, every coverage option presented — timestamped, attributed, exportable. E&O defense moves from days of forensic work to minutes of report generation.
HIPAA-Compliant for PHI
Health, life, and group benefits brokers handle PHI in every quote. Routina’s HIPAA-native infrastructure — built first for healthcare logistics — handles it natively. BAA available.
Carrier-Compliant Communications
Carrier portals, broker portals, and direct-to-carrier email all logged with the same rigor. When a carrier audits a producer’s submission timeline, the answer is one query away.
Client-Owned AI
Your brokerage’s AI orchestration layer is governed by you, not by a third-party AI vendor. Model-agnostic, swappable, portable. Your prompts, your data, your workflows stay yours.
INTEGRATIONS
The systems Routina already speaks.
Routina connects to your existing brokerage stack. No migration, no rip-and-replace. These are the systems we integrate with in production today, plus the broker management systems we’ve architected for.
Riskman Online
Bidirectional integration with Riskman’s policy administration, client records, and activity logs.
AMS360
Vertafore’s broker management system. Policy data, client data, accounting integration.
Applied Epic
Applied Systems’ enterprise broker platform. Multi-location and multi-line support.
HawkSoft
Independent agency management with API-level integration.
Carrier Portals
Browser automation agents for the 8-15 carrier portals every broker juggles. Quote retrieval, application submission, status tracking.
QuickBooks
Accounting integration for commission reconciliation, AR/AP, and producer payouts.
Twilio
SMS and voice for client communication and exception alerts.
WhatsApp Business
Client and prospect communication in EN/ES at scale.
e-Signature
Integration with leading e-signature platforms for proposal and binder signature flows.
Don’t see your system? We add new broker management system integrations in weeks, not quarters.
IN DEVELOPMENT
Brokerages running Routina workflows, anonymized.
Three anonymized profiles of insurance brokerages currently running Routina workflows in pilot and production.
Commercial Lines Brokerage, Puerto Rico
Mid-sized independent brokerage running on Riskman Online. ~800 active commercial policies. Routina pilot underway on renewal orchestration and unified client communication. Producer time on administrative work measurably reducing.
Personal Lines Agency, Puerto Rico
High-volume personal lines agency handling auto, home, and umbrella across thousands of small policies. Routina pilot on unified client communication across WhatsApp, email, voice. Bilingual EN/ES client interactions handled natively.
Health & Group Benefits Broker
Group benefits broker placing health, dental, vision for small-to-mid employers. Routina pilot on open enrollment coordination and commission reconciliation. HIPAA-grade infrastructure inherited from the platform’s healthcare origin.
All Routina insurance engagements are currently in pilot or early production. Signed multi-year contracts will be added to this section as they close.
GET STARTED
Ready to see what Routina does inside a brokerage?
Book a 30-minute working session. We’ll map your current stack — Riskman, AMS360, Epic, HawkSoft, or whatever you run — identify the first two workflows to deploy, and show you Routina running against real broker operations, not in a demo environment.