Agentic Finance

Use Darwin to coordinate enterprise insurance with Embroker, Vouch, and Coalition within a $1M annual premium ceiling.

Coordinate an annual insurance renewal across 12 business entities and 40 customer contracts, within a $1M annual premium ceiling and a six-week target. Map each contract’s liability, cyber, and additional-insured requirements into one program before requesting proposals.

Illustrative enterprise renewal using documented provider offerings. The $1M premium ceiling, six-week target, and savings are planning assumptions, not quotes or measured results. Confirm provider eligibility and agent access before starting work.

Intent

Renew enterprise coverage

12 entities · 40 customer contracts

A $1M annual premium ceiling across the program, with policies, endorsements, and customer-accepted certificates.

Time savings

360

Estimated hours saved per renewal

Planning model: 480 team hours reduced to 120 across the same 12 entities and 40 contracts — 75% less coordination effort.

Net value

$100k

Estimated net time value per renewal

360 hours × an assumed $300/hour, less $8,000 in incremental coordination costs. Premiums and broker fees are separate.

Find coverage that fits the whole enterprise

Darwin Search uses the entity schedule and customer requirements to find relevant Embroker, Vouch, and Coalition offerings. Embroker and Vouch are candidates for business coverage; Coalition provides a cyber-focused path to review. The broker checks which providers can support each entity and territory.

An enterprise renewal spans 12 business entities and 40 customer contracts. Finance, operations, legal, and security teams are reconciling repeated underwriting requests, conflicting limits, and missing endorsements before the policies expire.

Turn 40 contracts into one coverage brief

The risk team starts with 12 entity schedules, existing policies, loss histories, and 40 customer contracts. Darwin maps each named business, required coverage, limit, and endorsement into one renewal matrix. In this example, the baseline contracts require $2M general liability and $1M cyber coverage; the broker verifies per-occurrence and aggregate wording and captures higher requirements separately.

Embroker and Vouch provide business coverage paths to investigate. Coalition supplies a cyber-focused option to compare alongside the liability placement. The search records each provider’s eligibility, territory, application requirements, and supported contact route before the team shares underwriting information.

Sources: Embroker: general liability and bundled coverage · Vouch: business coverage options · Coalition: AI-assisted cyber risk workflows

Compare the whole proposal

Darwin organizes returned quotes by entity and customer contract: policy limits, deductibles, exclusions, insurer, endorsements, effective date, and annual cost. Shared policies must identify the covered entities and any shared aggregate limits. A cyber-only option needs a compatible liability placement before it becomes a complete proposal.

The CFO sees annual premiums, taxes, broker fees, installment charges, and separate service costs by entity and for the whole program. The $1M ceiling applies to total annual premium across the 12 entities; it is a budget allowance, not a quoted price or a savings claim. The total payable and payment schedule still need approval.

These are review criteria for candidate providers, not obtained quotes or confirmed integrations.

Embroker: Business coverage. Request eligible liability and cyber terms plus the endorsement route.

Vouch: Business coverage. Check business eligibility, proposed limits, and complete placement cost.

Coalition: Cyber coverage. Review cyber terms and risk requirements with the authorized broker.

Choose the path and keep the open questions

Darwin returns a selection the CFO and risk team can review with the broker, including source documents, entity-level gaps, and any unmet conditions. Search remains read-only. Selecting a provider does not connect an account, submit an application, accept a quote, or authorize a premium payment.

Darwin verifies an execution bridge and current input contract for the selected capability before proposing an action. Where a provider offers only a website or broker contact, the team uses that route and brings the resulting documents back into the same workflow.

From the search brief to a reviewed selection

The CFO has comparable provider proposals, a program-wide cost breakdown, and a requirements matrix covering all 12 entities and 40 contracts.

Darwin Search API

MCP

One brief becomes a capability selection

Darwin Search turns one coverage brief into a list of relevant provider capabilities and their supported contact or execution routes.

search request

Find Embroker, Vouch, and Coalition options for an annual insurance renewal across 12 business entities and 40 customer contracts. Use a $1M annual premium ceiling and six-week target. Map liability, cyber, and additional-insured requirements by entity; baseline contracts require $2M general liability and $1M cyber. Compare eligibility, shared limits, exclusions, deductibles, fees, and binding requirements before approval.

query contains this brief; limit: 10 bounds the result set. $1M annual premium ceiling across 12 entities. This is a planning allowance; provider quotes determine actual premiums, fees, eligibility, and timing.

Request example

// Search is read-only. Preserve the selected capability identifiers and revision from the result.
// mcp is your connected, authorized MCP client.
await mcp.callTool({
  name: "search",
  arguments: {
    query: "Find Embroker, Vouch, and Coalition options for an annual insurance renewal across 12 business entities and 40 customer contracts. Use a $1M annual premium ceiling and six-week target. Map liability, cyber, and additional-insured requirements by entity; baseline contracts require $2M general liability and $1M cyber. Compare eligibility, shared limits, exclusions, deductibles, fees, and binding requirements before approval.",
    limit: 10,
  },
});

Keep the exact selection
Preserve aiId, capabilityId, and capabilityRevision for each chosen owner. Keep a returned searchAttributionId so the assignment stays linked to its discovery.
Review complete coverage proposals before committing
Illustrative provider selection. Confirm current availability, business eligibility, and the broker’s role; no live quote or agent integration is assumed.
Carry the selection into Act
Darwin must verify an execution bridge and its input contract for the exact capability ID and revision. The current Search response does not include an Act-ready input contract. Until that bridge is verified, do not start the listing through Act. Search does not authorize work or spending.

Provider capabilities and sources

Embroker · Business coverage: Investigate eligible liability and cyber coverage with the required endorsement and full costs.; Embroker: general liability and bundled coverage
Vouch · Coverage options: Confirm eligible business coverages, application requirements, and the placement route.; Vouch: business coverage options
Coalition · Cyber review: Review cyber coverage and risk questions with the authorized broker; confirm access to any AI-assisted tools.; Coalition: AI-assisted cyber risk workflows

Act

Carry the approved brief through underwriting and review

Darwin carries the approved entity and contract requirements into the selected Embroker or Vouch placements, with Coalition cyber review where appropriate. Darwin keeps document requests, questions, decisions, and returned evidence attached to the same annual renewal program.

Start a scoped assignment with a clear owner

For an executable capability, Darwin starts the approved document-preparation or coordination assignment with the current capability revision and a stable request ID. Each assignment keeps its Action ID so later questions and returned files can be traced to the original brief.

The finance lead approves the business information released to the selected provider. Share only the underwriting material needed for that request. Provider portals and broker-led steps remain explicit handoffs when no supported agent action exists.

Bring every material change back to the decision maker

Underwriting can change a premium, exclusion, deductible, or proposed effective date. Darwin highlights the change against the reviewed proposal and returns it to the CFO and broker, including its effect on the $1M program ceiling. The earlier selection never silently authorizes different terms.

The authorized person completes the application attestations, binding instruction, and premium payment through the provider’s approved process. Darwin records the resulting confirmation. A submitted request or payment receipt alone does not establish that the required coverage is active.

Collect the policy and the actual endorsement

After the broker confirms binding, the team collects the binder or issued policy, effective dates, invoice, and certificate. Darwin checks the customer name and required additional-insured provision or endorsement against the contract, then flags discrepancies for the broker.

The certificate summarizes coverage. It does not create additional-insured rights or change the policy. The customer receives the agreed evidence only after the finance lead reviews the documents and authorizes the handoff.

Sources: New York DFS: certificate of liability insurance

From selected capabilities to coordinated work

The authorized broker has completed the approved placements, and the team has entity-level coverage documents and a reconciled program cost record to review.

Darwin Act API

MCP

Darwin coordinates approved document requests and broker handoffs for the enterprise renewal. Each supported assignment keeps its own Action ID; binding and premium payment remain with the authorized person and provider process.

1start_actionStart one scoped assignment
Darwin starts an approved preparation or coordination task for a selected Embroker, Vouch, or Coalition route only after verifying its execution bridge and input contract.
2get_actionRead progress and recover the same work
Read the assignment’s latest questions, available actions, and returned documents before deciding the next step.
3continue_actionSupply a requested handoff
Return the approved answer or document revision through an available update interaction, preserving the agreed scope.
4end_actionClose the work and read its outcome
Close the coordination assignment with its current revision after the owner checks the evidence and records its actual outcome.

Request fields and returned state

`start_action`

// Only after Darwin verifies an execution bridge and input contract for this capability revision. Persist startRequestId; reuse it for retries.
// mcp is your connected, authorized MCP client.
await mcp.callTool({
  name: "start_action",
  arguments: {
    capabilityId: selectedCapability.capabilityId,
    capabilityRevision: selectedCapability.capabilityRevision,
    inputs: capabilityInputs,
    requestId: startRequestId,
  },
});

capabilityId + capabilityRevision: Exact identifiers from the selected Search result, not names reconstructed from text.
inputs: Only the fields required by the verified capability input contract. The task brief below describes the work, not a universal JSON schema.
requestId: A new idempotency key for this assignment. Reuse it only when retrying this same start.

Retain actionId, revision, lifecycle, status, and availableActions. An accepted or running Action is not completed work.

`get_action`

// Use the actionId returned by start_action. Read state before deciding on the next operation.
// mcp is your connected, authorized MCP client.
await mcp.callTool({
  name: "get_action",
  arguments: {
    actionId,
  },
});

actionId: The identifier returned by start_action. Reuse it after an interruption; do not start a duplicate task.

Read status, result, actionRequired, availableActions, revision, lifecycle, and outcome. The result content depends on the selected capability.

`continue_action`

// Call only when availableActions includes update. Persist updateRequestId and retry only the identical update.
// mcp is your connected, authorized MCP client.
await mcp.callTool({
  name: "continue_action",
  arguments: {
    actionId,
    message: handoffMessage,
    requestId: updateRequestId,
  },
});

actionId + message: Send the requested clarification or safe output references to the existing Action, only when availableActions includes update.
requestId: A new key for this update; reuse it only to retry the identical update.

Reread the Action after the update. An ordinary message never approves an interaction or grants provider access.

`end_action`

// Finish only when permitted by availableActions and the work is checked. Persist endRequestId; read until lifecycle is ended.
// mcp is your connected, authorized MCP client.
await mcp.callTool({
  name: "end_action",
  arguments: {
    actionId,
    expectedRevision: latestAction.revision,
    intent: "finish",
    requestId: endRequestId,
  },
});

actionId + expectedRevision: Use the same Action and the exact revision from the latest get_action response.
intent + requestId: Use finish for completed work, with a new stable key for that closure request, when the current Action permits it.

An ending lifecycle has no final outcome. Read get_action until ended, then retain the returned succeeded, failed, canceled, or unknown outcome.

Action state, permissions, and recovery

State controls the next call: availableActions is the authority for mutations. Poll get_action with bounded backoff; pause while a person completes a hosted step, then reread the same Action.
Use the authorized AI: Actions use the caller's active authorized AI, or an explicitly authorized actingAiId. Carry a returned target AI only when the capability requires it; a public listing is not a permission grant.
Keep secure steps separate: Darwin OAuth grants the approved scopes. Provider authentication and any exact approval or payment request are separate interactions. Use the first-party webLink; never send credentials in task messages.
Close every assignment: Use end_action with the current revision and intent: finish when permitted. Follow ending to ended through get_action. A recorded outcome does not replace checking the delivered work.

Outcome

Return one complete enterprise coverage record

The outcome is a complete record of the chosen Embroker, Vouch, or Coalition coverage paths across the 12 entities: approved terms, evidence of active coverage, required endorsements, and acceptance against all 40 customer contracts.

Make every renewal decision traceable

The CFO receives one program record connecting every entity and customer requirement to the approved proposals and issued documents. It shows insurers, policy periods, limits, exclusions reviewed, endorsements, premiums, fees, and payment confirmations, with an owner for any remaining question.

Keep the comparison record for Embroker, Vouch, and Coalition alongside the selected placement. It explains why the team chose that path and gives the next reviewer the original context. Private underwriting files stay in the authorized business workspace.

Check completion against the original request

The broker confirms policy status across all 12 entities and the risk team checks evidence against the 40-contract matrix. Record customer acceptance separately from issuance. If a document is missing or a customer rejects it, that requirement stays open with an owner and a next step.

Measure the coordination saved

For this illustrative annual renewal, team effort falls from 480 to 120 hours across the same 12 entities and 40 contracts. Reusing approved entity data, comparing requirements once, and tracking document handoffs saves an assumed 360 hours, or 75% of coordination effort. At a modeled blended internal cost of $300 per hour, that is $108,000 in recovered team capacity; subtract $8,000 in incremental coordination costs for $100,000 in estimated net time value.

The 480-hour baseline comprises finance (180), operations (180), legal and security (96), and CFO approval (24). The modeled workflow uses 36, 24, 36, and 24 hours respectively, retaining the full CFO approval allowance. Research effort in the chart is part of these totals, not extra savings. Validate the hours and blended rate against the team’s actual costs.

Record actual hours and service charges after renewal. Recovered capacity is not a cash rebate or a premium discount; premiums, broker fees, claim outcomes, and revenue effects are excluded from the value model. The six-week completion target depends on provider response, eligibility, and underwriting.

The result and the effort behind it

All 12 entities have verified coverage by the agreed dates, evidence satisfies the 40 customer contracts, and annual program premiums and fees are reconciled.

1. Search
Find the right capabilities
The CFO has comparable provider proposals, a program-wide cost breakdown, and a requirements matrix covering all 12 entities and 40 contracts.
2. Act
Coordinate the handoffs
The authorized broker has completed the approved placements, and the team has entity-level coverage documents and a reconciled program cost record to review.
3. Outcome
Return the complete result
All 12 entities have verified coverage by the agreed dates, evidence satisfies the 40 customer contracts, and annual program premiums and fees are reconciled.

Pilot estimate

Less searching. Fewer manual handoffs.

Estimated buyer effort for the same scope and acceptance criteria. Track actual hours during the pilot to compare with these estimates.

Time to a reviewed selection

120 working hours without Darwin; 30 with Darwin in the pilot estimate.

90h lessestimated research effort

Without DarwinWith Darwin

Cumulative working hours

Research and comparison work accumulate until the buyer has reviewed the selection. Delivery time is separate.

Human effort across the same scope

480 staff-hours without Darwin; 120 with Darwin in the pilot estimate.

360h lessestimated coordination effort

Without DarwinWith Darwin

Staff-hours by work role

Work roles may belong to the same person or run in parallel. Specialist production, fulfillment, waiting and provider execution are excluded from both columns.

Calculation and chart data

A complete brief and the required access are available. The same buyer acceptance checks apply in both approaches.
Darwin organizes discovery and handoffs; people still approve scope and review results. Estimated savings come from research and coordination.
Discovery is included in total effort. Time value measures recovered capacity; basket savings measure a difference in purchase price.
Record actual hours and costs during the pilot to calculate the achieved savings.

Discovery: estimated cumulative working hours
Milestone	Without Darwin	With Darwin
Brief	24h	8h
Research	72h	16h
Compare	108h	22h
Select	120h	30h

Team effort: estimated staff-hours
Role	Without Darwin	With Darwin
Finance	180h	36h
Operations	180h	24h
Legal & security	96h	36h
CFO approval	24h	24h