policy delivery turnaround
from go-live to full adoption
in policy quality before client delivery
“I feel more confident that we’re identifying errors from a coverage perspective to prevent E&O issues. That’s peace of mind I can’t put a price tag on.”
Kelsey Bethel
Director of Commercial Lines, Sihle Insurance Group
the problem
Scaling Policy Checks Accurately in a Complex Market
Kelsey Bethel, Director of Commercial Lines, oversees the team responsible for all of Sihle’s Commercial Lines business. Before Fulcrum, the agency’s policy checking process relied on a few employees to manually review every commercial lines policy before delivery. With 50 account managers and assistants generating policies daily, the volume had outpaced what the group could handle.
Being located in Florida added complexity. The state is a CAT-exposed market where hurricanes, litigation trends, and specialized coverage — including flood and wind lines — demand more than off-the-shelf tools can provide. Any solution would need to be tailored to these unique risk factors.
Kelsey also knew adoption would be critical. Account managers work within the AMS daily, and asking them to bounce between platforms wasn’t realistic. She needed a partner who would:
Tailor the product to Florida’s requirements.
Flex to support her team’s preferred rollout approach.
Integrate seamlessly into existing workflows.
When CTO Wayne Plotkin saw Fulcrum present at a conference, he brought the opportunity back to leadership. From the first conversation, Kelsey recognized this as the right fit.
“We couldn’t risk upsetting decades-long relationships because we didn’t have time to cross-check details that we could easily fix on the front end.”
the Solution
Embedded Policy-Check Automation Built for High-Stakes Environments
From the first meeting with Fulcrum’s founders, Kelsey found a partner that led with listening rather than a rigid implementation plan. Fulcrum flexed to support Sihle’s approach:
When Kelsey chose to handle rollout and training internally, Fulcrum adapted product functionality to match rather than pushing a one-size-fits-all process.
Fulcrum tailored the platform for Florida — ensuring support for flood and wind lines and other specialized factors that needed deeper review.
The product itself delivered on that same promise. Fulcrum streamlined the workflow:
Ingests policies, binders, and carrier documents directly from the AMS.
Runs AI-powered checks across hundreds of fields.
Flags discrepancies, missing coverage, and deviations from expected terms.
Assistants fix straightforward issues; account managers resolve complex ones.
The AMS integration meant account managers could initiate, manage, and complete policy checks without leaving their system of record. Within two weeks of go-live, the tool was fully ingrained in daily workflows.
“My staff have higher confidence and peace of mind that policies are being checked well and accurately.”
the REsults
Sihle Delivers Policies with Greater Confidence and Speed
What started as an opportunity to refine manual processes has become a reliable part of Sihle’s commercial lines operation. The same staff can now support a larger book of business without additional headcount — with more confidence in what’s going out the door.
The numbers tell the story:
30+ days faster policy delivery turnaround
2 weeks from go-live to full adoption
Higher confidence in policy quality before client delivery
Looking ahead, Sihle continues to expand its use of Fulcrum. Proposal automation is already in progress, with rollout planned for the end of Q1. Next up: coverage analysis, submission intake, loss run summaries, certificate issuance.
“If you have an idea, bring it to Fulcrum. They'll find a solution and execute.”
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