Frequently Asked Questions

Delegance is the lowest-cost AI-powered commercial insurance brokerage — we deliberately lower our own commissions so your premiums stay as low as possible. Businesses use Delegance to manage policies, generate certificates, request endorsements, and get answers to coverage questions through whatever channel they prefer: the web portal, mobile PWA, Slack, ChatGPT, Claude (web, desktop, Claude Code, and Claude Cowork), phone, or email.

Orin is Delegance's specialized language model (SLM) built for commercial insurance. Orin can answer questions about your policies, generate Certificates of Insurance instantly, explain coverage details, process endorsements with carriers automatically, and route complex requests to your dedicated broker. Orin is available 24/7 in the web portal, mobile PWA, Slack, ChatGPT, Claude, by phone, and via email.

Delegance deliberately lowers its own commissions. Our AI-first platform dramatically reduces the overhead of traditional brokerages — so we pass those savings directly to clients in the form of 60–80% reduced commissions compared to traditional brokers. You get the same licensed broker expertise, the same carrier access, and the same — or better — policy language, just without the markup.

You get the same outcomes: a dedicated licensed broker, access to the same carriers, and the same — or better — policy language. The difference is how you get there. With Delegance you get instant COIs, 24/7 answers from Orin, endorsements submitted to carriers automatically, proactive renewal and status emails, and one place to manage everything (portal, Slack, ChatGPT, Claude, phone, email). All of that runs on lower overhead, so we charge 60–80% less in commissions. We don’t replace your broker — we give you a broker plus an AI layer so routine work is instant and your broker focuses on complex placement and advocacy.

Yes. Delegance holds 190 property & casualty and surplus lines licenses across all 50 states. We are a fully licensed brokerage with dedicated human brokers on staff — Orin is the AI layer that makes the experience faster and more accessible, but every policy is backed by licensed professionals.

Delegance serves businesses of every size — from startups and small businesses to large enterprises. We also offer specialized flows and dedicated portals for commercial real estate (CRE) and private equity (PE) firms with complex, multi-entity portfolio needs.

Absolutely. You can reach a human broker by phone at 844-357-0840 (Mon–Fri, 9am–6pm ET) or by emailing [email protected]. Orin also automatically escalates to a human broker when a request requires judgment, underwriting review, or is outside its scope.

Onboarding takes less than 10 minutes. It works best when you have your existing policy documents handy — Orin will extract your coverage details, carrier information, and renewal dates automatically. You can start asking questions and generating COIs immediately after. We support multi-location and multi-company setups from day one: subsidiaries, holding companies, and related entities can all be added during onboarding so you manage everything in one place.

Upload any insurance-related documents — we use specialized extraction tailored to each document type so Orin can answer questions and generate COIs accurately. Supported types include: Certificate of Insurance (ACORD COI); Insurance Requirements (contracts, RFPs); Declaration Page; Full Policy/Contract; Quote/Proposal; Loss Runs; Claims Notice; Experience Modification Rate (EMR); OSHA 300, 300A, 301; Safety Program; Safety Training Records; Workers Comp Waiver; Financial Statements; Tax Documents (1120, 1065, 990, W-9); Invoice; Payroll Records; Employee Roster; Driver's License; MVR Report; Vehicle Schedule; Property Schedule; Equipment Schedule; Appraisal Report; Subcontractor COI; Subcontractor Agreement; Broker of Record Letter; Business License; Insurance Application. If you're not sure, upload it — we auto-classify and extract. PDF, JPG, and PNG are supported.

Yes. During onboarding you can add multiple locations, subsidiaries, holding companies, and related entities. Each can have its own policies, documents, and COIs while staying under one Delegance account. Orin understands your full structure and can generate certificates or answer questions across all entities.

You'll need a Broker of Record (BOR) letter from your current broker. We accept BOR documentation only when you have a new quote request with Delegance or when you want to use our instant COI servicing. Your dedicated Delegance broker can walk you through the BOR process.

Yes. Delegance has single sign-on (SSO) built for enterprise accounts. Contact your broker or [email protected] to enable SSO for your organization.

Your broker or account administrator will send you an email invitation. Click the link to set up your password and access the portal. If you haven't received an invite, contact your broker or email [email protected].

Click "Forgot Password" on the login page and enter your email. You'll receive a reset link within a few minutes. If you use SSO through your company, contact your IT administrator instead.

Log in to the portal and ask Orin to generate a COI, or use the Certificates section. You can also request one through Slack, ChatGPT, or Claude by saying "Generate a COI for [holder name]." Orin will generate the certificate instantly for your review.

Orin generates standard COIs instantly. Endorsements that require carrier processing are submitted automatically — Orin handles the carrier communication so you don't have to.

Yes. When requesting a COI, provide the certificate holder's name, address, and any special requirements. Orin will pre-fill the ACORD 25 form with your policy details and the holder information you provide.

Delegance handles virtually every commercial insurance line. Common coverages include General Liability, Professional Liability (E&O), Workers' Compensation, Commercial Property, Commercial Auto, Umbrella/Excess, Cyber Liability, Directors & Officers (D&O), EPLI, Builder's Risk, Inland Marine, Environmental/Pollution, Surety Bonds, Product Liability, Liquor Liability, Commercial Crime, Fiduciary Liability, and more. If you need a coverage type not listed here, just ask — we can place it.

Yes. With our deliberately lower commissions and a growing network of 10+ carriers, we can often get better coverage — or the exact same verbatim policy language you have today — at 60–80% reduced commissions. Ask Orin to compare quotes or generate coverage recommendations based on your risk profile.

Delegance works with a growing network of 10+ carriers including major national carriers, specialty and surplus lines markets, and industry-specific underwriters. Our carrier partners cover the full spectrum of commercial insurance. Ask Orin to list available carriers for your specific coverage type.

Yes. All uploaded policy documents are available in the Documents section of the portal. You can view, download, and ask Orin questions about specific sections, endorsements, or exclusions.

Ask Orin to make a change — for example, "Add a new location to my property policy" or "Increase my liability limit." Orin will gather the details and submit the endorsement directly to the carrier for processing. No manual broker back-and-forth required.

Orin will remind you 90 days and 30 days before each policy renewal. We always offer to remarket your coverage across our carrier network to ensure you're getting the best rate. If you're happy with your current terms, renewal questionnaires are automatically transferred to you via email so you can renew without any hassle.

Yes. Orin sends automated monthly business status update emails to keep you informed about your coverage. These proactive check-ins highlight upcoming renewals, expiring certificates, policy changes, and anything else that may need your attention — so nothing falls through the cracks.

Yes. Upload or email the contract, RFP, or vendor requirements document and Orin will compare the required limits, endorsements, and coverages to your current policies and flag any gaps. You can then fix gaps before sending a COI or negotiate with the other party.

You can see the live market for your coverages as we source with all of our carriers. Quotes typically come into your account within a few hours if no additional underwriting questions are needed. You can compare options, select the best fit, and bind directly from the portal.

Claims should be filed directly with your insurance carrier — their claims hotline is listed on your policy documents, and Orin can look it up for you instantly. While Delegance does not file claims on your behalf, we provide full claims support and advocacy throughout the process.

Delegance provides claims advocacy — we help you understand your coverage, verify that a claim scenario is supported by your policy language, guide you through the filing process, and follow up with the carrier on your behalf if needed. Ask Orin "Would my policy cover this?" to get an instant analysis of whether your policy language supports a given claim scenario before you file.

Orin can handle a wide range of insurance tasks. Here are some examples: "Generate a COI for Acme Corp at 123 Main St," "What are my GL policy exclusions?," "Add a new vehicle to my auto policy," "Am I covered if a customer slips and falls at my office?," "Compare my renewal quote to last year," "What is my deductible for cyber liability?," "When does my workers comp policy renew?," "What endorsements are on my property policy?," "Explain what 'additional insured' means," and "What coverage do I need for a new warehouse location?"

Yes. Orin can explain any section of your policy in plain language — coverage grants, exclusions, conditions, endorsements, sub-limits, and definitions. Just ask something like "What does my GL policy exclude?" or "Explain the professional services exclusion on my E&O policy" and Orin will walk you through the relevant language.

Yes. Orin can analyze your current coverage against industry standards, contractual requirements, and regulatory minimums for your state and industry. Ask "Am I properly insured?" or "Do I have coverage gaps?" and Orin will generate personalized recommendations with specific limit suggestions.

Orin aggregates policy data across all your uploaded documents and builds a dynamic micro-assessment for your account. From that, Orin generates a comprehensive analysis that can include: coverage gaps (missing or insufficient coverage), overcoverage (where you may be over-insured), consolidation opportunities (bundling or streamlining policies), and liability limit adjustments. Ask "Analyze my coverage" or "What are my coverage gaps?" to get your personalized assessment.

You can correct any extracted field (e.g. policy number, effective date, limits) directly in the portal. Corrections are audited and preserved so future COIs and answers use the right data. If you spot an error, fix it once and Orin will use the corrected value from then on.

A workspace admin can install the Orin app from the Slack App Directory or from the portal's Team Management page. Once installed, @mention Orin in any channel or send a direct message to interact.

Open ChatGPT, click the + button in the message bar, and search for "Delegance Insurance." Click Connect and sign in with your Delegance account. Requires a ChatGPT Plus, Team, or Enterprise subscription.

Delegance is available as a connector in Claude. You can use it in Claude web, the Claude desktop app, Claude Code, and Claude Cowork. Search for "Delegance Insurance" in Claude's connectors, sign in with your Delegance account, and Orin will be available in your conversations.

Yes. The Delegance portal is a Progressive Web App (PWA) — you can install it to your home screen on any iOS or Android device for a native app-like experience. You can also access Orin via the Slack and ChatGPT mobile apps, or by calling 844-357-0840.

For Slack, remove the app from your workspace settings. For ChatGPT, go to Settings > Connected Apps and revoke access. For Claude, use the Delegance portal's Connectors page. You can also manage all connections from the portal's Team Management page.

Yes. Your conversation history and policy knowledge carry across every channel. If you discuss a policy in the portal, Orin will remember that context when you follow up in Slack, ChatGPT, Claude, or even on a phone call.

Yes. Delegance offers an API for programmatic access to your insurance data — list policies, generate COIs, upload documents, and query Orin from your own systems. We also expose a Model Context Protocol (MCP) server so AI assistants (including Claude Code and Claude Cowork) can integrate directly. Contact your broker or [email protected] for API access and documentation.

Delegance is SOC 2 and ISO 27001 compliant. All data is encrypted in transit (TLS 1.2+) and at rest (AES-256). We use multi-tenant isolation so each company's data is completely separated. Access requires authentication, and all API calls are logged and auditable.

Your data is stored in secure infrastructure hosted on Amazon Web Services (AWS) in the United States. Delegance is SOC 2 and ISO 27001 compliant. Databases, document storage, and vector indexes are all hosted within AWS with encryption enabled by default.

No. Your insurance data is never used to train any AI models — not by Delegance, and not by any third-party provider. Data is fetched on-demand to answer your questions and is not retained by third-party platforms beyond the active session.

No. Orin only processes messages where it is directly @mentioned or sent as a DM. It does not read, store, or index any other messages in your Slack workspace.

Your insurance data is fetched on-demand to answer your questions. It is not stored by third-party platforms beyond the active session and is never used to train AI models. See our Privacy Policy for full details.

Yes. All actions — including document uploads, COI generation, endorsement requests, and chat interactions — are logged with timestamps and user attribution. Contact your broker or [email protected] to request an audit export.

Upon cancellation, your data is retained for 90 days in case you change your mind, then permanently deleted from all systems including backups. You can request immediate deletion by emailing [email protected].

Our complete list of sub-processors is available at delegancebrokerage.com/sub-processors. We notify customers of any changes to this list in advance.

Invoices and due dates are visible in the portal. Your broker will send payment instructions and can set up payment plans with carriers. For new business, payment is typically due at binding; your broker will confirm the exact terms.

Account administrators can invite team members from the portal's Team Management page. New users receive an email invitation to create their account and set their access level.

Your broker's contact information is available in the portal. You can also email [email protected] or call 844-357-0840 during business hours (Mon–Fri, 9am–6pm ET).