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80% of policy checks handled by Fulcrum's agent — tens of thousands annually
15 minute average turnaround time — down from two weeks
3x return on investment
When Heffernan Insurance Brokers, a top-25 brokerage, looked at their operations, one huge bottleneck stood out: Policy Checking. The process dragged on for up to 15 days, consumed expensive Account Manager (AM) time, and carried significant error and omissions (E&O) risk. Heffernan turned its attention to this next operational choke point as the next challenge to encounter after gaining 100% adoption with Fulcrum Proposals.
The shift was dramatic. With Fulcrum, Heffernan replaced its fully manual, weeks-long process with an automated, end-to-end AI agent. What once took 15 days now takes 5–10 minutes — and no change to what AMs are doing today.
The breakthrough is through Fulcrum’s industry-leading AI agent. Fulcrum’s agent works end-to-end, is fully in-house, always-on, and audit-ready. It delivers standardized, enterprise-grade outputs while integrating seamlessly with Heffernan’s existing systems. AMs stay focused on clients and renewals, rather than repetitive back-office tasks.
Kelly Planeta
Why it matters for COOs: Policy checking, long seen as too resource-intensive to scale internally, is now both faster and more reliable in-house. For Heffernan, this means no seasonal bottlenecks, no extra headcount, and fewer errors — while turning what was traditionally a cost center into a strategic capability to improve margins. It also reduces ancillary costs tied to extra seats/logins and pass-through “tech fees.”
The results speak for themselves:
Speed: 15 days → minutes-level turnaround
Cost & Capacity: Resources and AM productivity redeployed to handle bigger books of business
Quality & Risk: Standardized outputs, reduced E&O exposure
Scale: Always-on operation without dependency on external labor
Agencies used to accept delays as part of the process: policy reviews outsourced or queued internally, weeks of waiting, and delivery dates slipping through the cracks.
Fulcrum eliminates that lag. By triggering reviews immediately and completing checks in minutes, account managers keep momentum, and clients receive policies on schedule.
The result: faster service, fewer dropped priorities, and a consistent win for the client.
Leticia Trevino
Fulcrum’s AI means everything runs end-to-end. We brought policy checking back in-house without adding pressure to our Account Managers — and the quality is better than ever. From an E&O perspective, we’ve caught so many things that we wouldn’t have otherwise.