An AI assistant
inside your policy
management system.
Garnet reads the policy on screen, checks the policy record and your underwriting manuals, and answers your team's questions in seconds, with the source.Faster, consistent decisions and better member service.
- Live in production at a Canadian mutual insurer.
- Works with any web-based policy management system.
GarnetChecking guidelines, screen and policy record...- 01Reads your screen
- 02Pulls the policy record
- 03Checks your manuals
- 04Answers, with sources
Easier work for your team. Better service for your members.
Fast, consistent answers
Answers in seconds, from the same current guidelines for everyone.
Faster onboarding
New underwriters and agents get real-time guidance and are productive sooner.
Better member service
Answer members and brokers on the spot. No holds or callbacks.
Upsell insight
See which coverages to suggest and which discounts apply, while on the call.
Questions you can ask
Click a question to see how Garnet answers it, and where each part of the answer comes from.
Reads every screen you click through and keeps it for this policy.
Every document Garnet knows, ready to open or download from the panel: applications, manuals, wordings, policies and procedures, processes.
Every citation links straight to the page it came from.
Every term and change, with coverages, discounts, claims and notes. Plus the account's other in-force policies, to spot cross-sell.
Answers framed for underwriters or agents.
Garnet- Property Underwriting Guidelinesv4.2 · 186 pages
- Property Rate Manual2026 edition · 142 pages
- Homeowners Wordings2025 edition · 64 pages
- Underwriting Bulletins2024 to 2026 · 38 bulletins
- Policies and Procedures27 procedures
The policy already has the claims-free and monitored alarm discounts. The account history shows no auto policy with us, so ask John about his auto. Placing it would earn the multi-policy discount: 10% off the home premium and 5% off the auto.
Without the screen I cannot tell which policy this is. In general, the multi-policy discount gives 10% off the home premium and 5% off the auto when both are placed with us. Turn screen context on and I can check this account.
Sources · 3
The dwelling limit rose from $485,000 to $512,000 under the annual inflation guard, and sewer backup was added at $25,000. Together they explain the $214 increase on the renewal premium on screen.
I need the policy to compare terms. Turn screen context on and I will pull both terms from the policy record. Limits on renewal usually move with the annual inflation guard.
Sources · 3
Yes. The policy record shows two water claims in the last three years, and the guidelines refer any renewal with two or more water losses in 36 months. The 22-year-old roof on screen also needs an inspection before renewal.
The guidelines refer any renewal with two or more water losses in 36 months, or a roof over 20 years old. Turn screen context on and I can check this policy.
Sources · 4
Garnet reads what is on your screen, so it answers about the policy in front of you. No copy-pasting.Screen context is paused. Garnet answers from your approved documents until you turn it back on.
Your data stays secure
Read-only
Garnet reads your screens and policy data. It can never change your systems, and no configuration of your policy system is required.
Encrypted, never used for training
Your data is encrypted in transit and at rest. Your questions and documents are never used to train AI models.
Monitored and managed
Your team signs in with the same login and MFA as today. Every service is monitored, and each release is tested before it ships.
Three steps to production.
20-minute demo
2-week pilot
2-months to production
Demo
Watch Garnet answer underwriting questions on a policy screen, every answer cited. Then we talk next steps.
Pilot
Your team spends two weeks with Garnet, asking real questions on up to five of your own documents.
Implementation
Every line of business. We load your documents, connect your policy system, and test with your subject matter experts.
A Canadian mutual insurer has walked this exact path and is live in production. Case study coming soon.
Frequently asked questions
Do we have to change our policy system?
No. Garnet is a Chrome-based extension that sits beside your policy management system in the browser. No configuration of your policy system is required or changed.
Which policy systems does it work with?
Any web-based policy management system, such as Guidewire PolicyCenter, Cognition+, and more.
What does Garnet answer from?
Three sources at once:
- The policy open on screen.
- The policy record: terms, coverages, discounts and history.
- Your own documents: manuals, wordings, guidelines, and policies and procedures.
Every answer shows where it came from.
Who on our team uses it?
Underwriters and agents. Answers are framed for the role of the person asking.
Is our data used to train AI models?
No. Your underwriters' questions and your documents are never used to train models, and personal information stays protected.
How long does it take to implement?
Under two months: a 20-minute demo, a two-week pilot on your own documents, then implementation.
Is there a solution for claims?
Coming soon.
Is anyone using Garnet today?
Yes. Garnet is live in production at a Canadian mutual insurer. A case study is coming soon.
Osman Minhas
Nearly ten years in P&C insurance technology. First at EY in their Guidewire delivery practice, then carrier-side, running implementations, Cloud upgrades, and M&A integrations from within: alongside the policy, claims, billing, and technology teams who live with the outcome, and the CIOs who own the decision. Then I built Garnet.
An AI solution should solve real problems, cost less, and reach production fast. I make sure that shows up where you can measure it: the results, the invoice, and the timeline.
Technical Program Delivery
Full accountability to execute your technology initiative.
- Guidewire Cloud implementations and upgrades
- Legacy policy system migration
- M&A technology integration
CIO Advisory
Counsel for P&C technology leaders making decisions they only get to make once.
- Cloud upgrade strategy and sequencing
- SI selection and contract structuring
- Program health checks and course correction
- Board-ready business cases and spend defence
Garnet
An AI assistant that answers underwriting and system questions inside your policy management system.
- Works with any web-based policy management system
- Pilot to production in weeks
- Fully managed, no internal AI team required
See Garnet on a policy screen in 20 minutes.
A live demo against a sample library, every answer cited. If it fits, a two-week pilot runs on your own documents.