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Layerup
Layerup is the agentic AI operating system for insurance and financial services. It deploys long-horizon background AI agents that run uninterrupted for hours or days inside carriers', MGAs', health plans', banks', and lenders' existing systems — automating claims, underwriting, servicing, collections, billing, fraud detection, and compliance workflows end to end, governed and auditable, with humans approving instead of doing.
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The beginning of the file, from our validated copy saved 2026-10-21T20:17:43.343Z. Cached copy · Source on uselayerup.com
# Layerup
> Layerup is the agentic AI operating system for insurance and financial services. It deploys long-horizon background AI agents that run uninterrupted for hours or days inside carriers', MGAs', health plans', banks', and lenders' existing systems — automating claims, underwriting, servicing, collections, billing, fraud detection, and compliance workflows end to end, governed and auditable, with humans approving instead of doing.
Key facts:
- Long-horizon AI agents automate every step of a function (e.g. an entire claim from FNOL to payment) in a single continuous run — unlike one-shot agents, which return a single output from a single prompt and stop, they carry persistent state, wait for missing evidence, and stay on a case for hours or days until the work is finished.
- Agents run inside existing core systems — claims platforms, underwriting workbenches, policy admin, core banking, loan origination and servicing — with no rip-and-replace.
- Every agent action is governed: audit logs, reasoning traces, human approval gates, exception routing, and role-based controls.
- Operating shift: several days of manual handoffs become minutes of parallel execution; teams move from doing the work to approving it.
- Coverage: 15 lines of business across insurance (auto, property, life, health, health plans, stop loss, commercial, workers' comp, cyber, IDI/specialty/E&S, mortgage insurance) and financial services (consumer lending, cards & payments, deposits & banking, mortgage).
- Security and sovereignty: SOC 2 Type II certified, PCI DSS and HIPAA compliant; deploys in managed cloud, private VPC, your cloud of record, on-premises, or a sovereign region — same governance and audit everywhere.
## Problems We Solve
- [Reduce claims cycle time & automate FNOL intake](https://uselayerup.com/solutions/claims): A long-horizon agent runs FNOL to adjuster-ready file; cuts leakage with estimate QA on every estimate.
- [Clear underwriting submission backlog](https://uselayerup.com/solutions/underwriting): The complete case compressed from intake through quote; faster quote turnaround and renewal review.
- [Subrogation recovery automation](https://uselayerup.com/blog/closing-the-subrogation-gap): Turning recoverable exposure into actual recoveries.
- [Insurance fraud detection & SIU referral quality](https://uselayerup.com/solutions/fraud-siu): Substantiated, evidence-backed referral packets instead of alert noise.
- [Policy servicing automation](https://uselayerup.com/solutions/customer-service): Endorsements, COIs, cancellations, reinstatements — executed in core systems, not deflected.
- [Billing backlog & unapplied cash aging](https://uselayerup.com/solutions/billing): Posting, reconciliation, dunning, and refunds end to end.
- [Collections roll rates & recoveries](https://uselayerup.com/solutions/collections): Compliant outreach from triage to cure, end to end.
- [KYC / AML alert backlog & SAR deadlines](https://uselayerup.com/solutions/compliance):
…
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