Qumis reads, classifies, dispatches, compares, checks, cites, flags, drafts, defends, and proves coverage — the AI for insurance advisory on complex accounts.

Thirty minutes, on your own documents.

Qumis is the AI for insurance advisory on complex accounts. It was built by a coverage attorney to analyze policies the way he would — entire towers, manuscript endorsements, no page limits — with every finding cited to the clause.

Ordinary AI didn’t meet that standard, so we built our own: sixteen line-of-business specialists analyzing in parallel, every query running on a full virtual computer, and processing pipelines built specifically for insurance documents.

Qumis meets the demands of the top minds in insurance.

AI built for insurance, with legal DNA.

Founded by a coverage attorney and built with practicing counsel, Qumis reads every policy the way a lawyer does — grant, conditions, exclusions, then the endorsements that rewrite them — and shows its work, clause by clause.

How a read happens

Every policy, read the way a coverage attorney reads it.

01 · The Specialist Bench

One specialist for every line.

The D&O policy goes to the D&O specialist, the cyber form to the cyber specialist — sixteen in all, reading in parallel.

The six use cases

The Bench — four specialists on one program

General Liability specialistReading the primary: additional-insured endorsements against the contract standard…CG 00 01 · Endts. 4, 7

Umbrella & Excess specialistAuditing the schedule of underlying; testing follow-form against each layer…Umbrella §VII · XS 200 §IV

Cyber specialistDefinitions first: “Security Failure” gates the ransomware grant; sublimit and waiting period mapped…Cyber form §III · Endt. 2

D&O specialistClaims-made clocks run independently: retro date, notice, prior-knowledge bar…Dec. Item 3 · §VI

Dispatched in one passEvery assertion cited

02 · The Attorney’s Read

Read in the order that matters.

Grant, then conditions, then exclusions, then the endorsements that rewrite them — ending in one of eight verdicts, including “I don’t know.”

Claims coverage analysis

The read, in order — and the verdict, named

1 · GrantWrongful-act coverage triggered; the demand letter satisfies “Claim.”§I.A · §II.C

2 · ClocksClock A ✓ · Clock B ✓ · Clock C: the application disclosed the dispute.Clock C failsApp. Q7 · §V.2

3 · Exclusions & endorsementsNot reached — the temporal bar controls first.Order enforced

VerdictDenied on a condition bar — Clock C, prior knowledge. Escalated with the carve-back argument.One of eight verdicts

Declarations → grant → conditions → exclusions & endorsementsNo shortcut reads

03 · Whole-Document Reading

The whole document, never snippets.

The grant on page 6 meets the sublimit on page 20 and the endorsement on page 44 — because Qumis reads every page.

Policy review & checking

One finding, three locations

The grantCyber extortion coverage granted for “Security Failure” events.§I.D · p. 6

The cap, 14 pages laterExtortion payments sublimited — a fraction of the headline limit.Dec. Item 5(c) · p. 20

The rewrite, by endorsement“Security Failure” redefined to require MFA compliance — the gate on all of the above.Definition rewrittenEndt. 6 · p. 44

Read whole, or read wrongEach location cited

04 · Verified Citations

Every finding cited, then checked.

Each citation is verified against the source after the fact; click one and the highlight lands on the exact paragraph.

Contract & requirements review

A source policy page with the cited clause highlighted.

Key findings from a Qumis comparison report, each carrying a citation chip.

05 · The Exclusion‑Circle Library

The gaps between policies, found.

Ten catalogued patterns where one policy’s exclusion pushes a claim to another whose exclusion pushes it back — found by a review, not by a loss.

Program structure & design

Exclusion circle — CGL × Workers Comp

One of ten catalogued patternsGap closedCG 00 01 ¶f

On a full virtual computer

It doesn’t just read the program. It does the work.

Every query runs on a full virtual computer — so the answer comes back as finished work, not a paragraph to paste.

Thirty files, a 2,000-page manuscript program, the whole shared-and-layered tower with every quote and binder. Qumis reads all of it — no cap on files, no cap on pages, nothing skipped.
Because it has a computer, it can code and calculate. Word memos, Excel comparisons, PDFs, interactive dashboards, and client microsites — built to your brand guidelines, ready to send.
Upload the checklist, the Excel tracker, the application, or the questionnaire, add the quotes or binders behind it, and Qumis fills it out from the source documents — every answer cited to the page it came from.

Reading the program — every file, every page

Primary GL · CG 00 01 + 14 endorsements212 pp
Umbrella · schedule of underlying86 pp
1st excess layer · follow-form64 pp
2nd excess layer · follow-form58 pp
Property · manuscript form344 pp
Cyber · claims-made94 pp
D&O · management liability package118 pp
EPL76 pp
Commercial auto132 pp
Workers compensation68 pp
12 quotes · 6 binders · 3 standalone endorsements894 pp

0pages read, whole

31 files · 0 skipped

What a chat window says Conversation too long Maximum 10 files per chat File exceeds the size limit

Whole documents, never snippetsNo file cap · no page cap

Coded and calculated on the account’s own computer — in the client’s brand, ready to send.

Coverage_Checklist_2026.xlsx — filled from the source documents

Field	Value	Source
Named insured	Hearth & Crumb Holdings, LLC	Dec. p. 1
Policy period	10/1/2026 – 10/1/2027	Dec. Item 2
GL each occurrence	$1,000,000	Dec. Item 3 · p. 2
General aggregate	$2,000,000	Dec. Item 3 · p. 2
Umbrella limit	$10,000,000	Umbrella Dec. · p. 1
Cyber waiting period	8 hours	Cyber §III.B · p. 14
D&O retroactive date	1/1/2019	Dec. Item 6 · p. 3
MFA warranty	Required — see Endt. 6	Condition precedent Endt. 6 · p. 44

Your template, your columnsFilling · 0 of 8

From recorded customer calls

What the people who read policies for a living say.

“Qumis is the only tool we’ve proven to be effective at scale. Full stop.”
Operations leader, international brokerage — pilot readout

“It just took five minutes instead of four hours — and it put it together exactly how I would have done it myself.”
Account manager, national brokerage — recorded onboarding session

“Qumis has a little bit more insurance industry context than ChatGPT, Claude, and certainly Copilot — which starts the conversation off on the right foot.”
Commercial lines broker, international brokerage

“Huge time saver, professional look, gives us the consistency.”
Agency principal — on proposals

“That first page caught warranties, and it caught the MFA condition precedent — not something I would have thought it would catch, because it doesn’t say ‘warranty.’ It’s picking up that it’s functioning as a warranty.”
Broker, international brokerage — cyber policy check

“These really large, intense programs — Qumis is the better fit for that.”
Property broker, national brokerage — on a $175M layered property program

“Back in my day I had to turn my two screens vertically so I could scroll through each one and compare.”
Broker, global brokerage — on the old way

“Five minutes for the report, twenty minutes of review, you’re done in half an hour. That could have taken three, four hours before.”
Top-50 regional brokerage — policy comparison

“Our people are talking about it. They’re showing each other. I have too many emails in my inbox from this morning with additional people saying they want access.”
Operations leader, international brokerage — pilot

“The naked eye might miss some things. It said, you might want to ask why you have this 55% increase, or why there’s reduced coverage on that. I was a little surprised.”
International brokerage — renewal comparison

“I use Qumis for everything now. It gives me a better work product.”
Account manager, regional brokerage

“I really like the executive summary — whittle it down for the executive, and if there are areas to deep-dive, we’ve got the data behind it.”
Top-50 regional brokerage — stewardship report

“It’s doing that in three to five minutes, as compared to an hour and a half to two hours of somebody’s time we really want doing marketing work.”
Independent agency — on proposals

“I wasn’t the only one saying this will be a game changer. It’s something I’m always asking for and we’ve never had.”
National brokerage — on program wording comparison

“We make a whole website with an interactive map of everything — we blow them out of the water every time.”
Account manager, regional brokerage — on client microsites

“I love the branding — simple, clean, crisp. This report is something I’ve been manually putting together for years.”
National brokerage — a four-quote client summary

“It’s much smarter, much better — and it’s something that’s available today.”
Broker, global brokerage — on why her team pays for Qumis beside the house comparison tool

Verbatim from recorded customer, pilot, and onboarding calls, 2026, lightly trimmed for length. Attributed by role and firm type. Click any voice to read it.

Bring the program that worries you.

Thirty minutes, on your own documents — a tower, a manuscript form, or a denial. One use case, run live, cited to the clause.

Book a demo

Qumis reads, classifies, dispatches, compares, checks, cites, flags, drafts, defends, and proves coverage — the AI for insurance advisory on complex accounts.

AI built for insurance, with legal DNA.