Thinking on commercial insurance technology, risk scoring, and the future of the SMB market.

The submission-to-quote gap is where independent brokers lose to captives and direct channels.

Not every AI tool is solving the same problem. This guide maps the broker workflow and places current AI tools at the stage where each one helps.

Submitting to a carrier with no appetite for the risk wastes everyone's time. Pre-submission appetite signals.

Why Tribeca Early Stage Partners backed Attune, what the $750K will fund, and why the independent broker market is where this is most solvable.

Technical and market lessons from 2025: why carrier appetite data is harder to parse than application data.

Business type, years in operation, revenue band, prior claims, location: how each signal is weighted differently across policy types.

A walkthrough of a typical pilot session: what the broker submitted, how the scoring engine processed it, and how the broker presented to the client.

We asked 18 brokers to rank quoting tool features. Speed was first. The second answer reshaped two major product decisions.

Appetite matching that reads the application against live carrier preferences flags mismatches before submission goes out.

Small-business commercial insurance has a structural access problem. The gap Attune is designed to close.

A founding note: the moment the problem became undeniable, the case for building in New York, and what it means to bet on brokers as the distribution layer for Main Street.