AI assistant in your
policy system.
Built for mutuals and mid‑sized P&C carriers
GarnetChecking guidelines, screen and policy record...Fast, consistent answers
Answers in seconds inside your policy system, from the same current guidelines for everyone. No hunting through manuals.
Faster onboarding
New underwriters and agents are productive sooner, with real-time guidance inside the policy system.
Better member service
Agents and underwriters answer members and brokers on the spot, without holds or callbacks.
Cross-sell and upsell insight
While on the call, the policy record shows which coverages to suggest and which discounts and surcharges apply.
Click through Garnet yourself
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.Garnet cannot see the screen. It answers from your approved documents only.
Chrome-based extension
Garnet overlays your policy management system in the browser. No configuration of your policy system is required or changed.
Your documents are secure
Your underwriters' questions and your documents are never used to train models, and PII stays protected.
Production-ready solution
Built with the safeguards, monitoring, and alerting an enterprise environment expects, and the scalability to serve your whole underwriting team.
Three steps to production.
20-minute demo
2-week pilot
2-months to production
Demo
Live on your screen. Garnet answers real underwriting questions against a sample library, every answer cited. We close by discussing how to get you started.
Pilot
Evaluate Garnet on your own documents before any commitment. Your subject matter experts spend two weeks asking the questions they already know the answers to.
Implementation
We align on the documents Garnet needs for your use case, then stand it up with the security review, safeguards, and monitoring a production rollout requires. Your team tests until they trust every answer.
A Canadian mutual insurer has walked this exact path and is live in production. Case study 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