Prepare the file. Be ready for the client.
Your AI assistant organizes quote documents, checks policy details, and prepares renewal work for your team.
For independent insurance agencies in Florida. Coverage advice and binding stay with your licensed agents.
Film transcript
Before you recommend a policy, there is a file to put together.
Regaldi helps prepare that file. In Studio, your AI assistant works with your documents and computer, then saves a review packet as PDF and editable Word.
Quarry brings Miami-Dade property facts and their sources into the file, for your team to check.
Out of forty-four recurring processes in an agency, Regaldi runs twenty-three with your confirmation, prepares fourteen for a licensed decision, and leaves seven with the licensed agent.
In Legate, renewal reminders and client messages move through review. Your team checks the draft before approving the next action.
Studio: files, PDF, Word. Legate: reminders and follow-up. Quarry: property facts and sources. Tools around the agency's work, organized for review.
You explain coverage, make the recommendation, and bind the policy as the licensed agent.
Regaldi.
Regulated. Aligned. Digital. Start with one workflow.
An independent agency runs on 44 recurring processes. Regaldi runs 23 of them with a person at the agency confirming, prepares 14 for a licensed agent’s decision, and leaves 7 with the licensed agent.
- System runs it
- 23
- System prepares it
- 14
- Licensed agent only
- 7
- Processes mapped
- 44
With our tools · the 37 processes Regaldi runs or prepares
- Regaldi Studio
- 24 processes · runs 11, prepares 13
- Regaldi Legate
- 13 processes · runs 12, prepares 1
- Regaldi Quarry
- 4 processes · runs 3, prepares 1
A process can use two tools. The 7 licensed acts are not automated by any of them.
In short
Regaldi LLC is a Florida software company that gives independent personal and commercial lines agencies an AI assistant for the file work around each client. Regaldi Studio organizes quote documents, checks policy details and prepares renewal work, Legate organizes approved follow-through, and Quarry brings the public record for a property. Of the 44 recurring processes mapped for an insurance agency, Regaldi runs 23 with a person at the agency confirming, prepares 14 for the licensed agent’s decision, and leaves 7 with the licensed agent, including coverage advice, applications and signatures, binding coverage and releasing premium funds. Regaldi is not an insurance agency, is not appointed by any insurer and does not transact insurance. Files remain in the agency’s working folder; text used for a task is processed by Anthropic or OpenAI through Regaldi’s server. Work starts with one workflow and a written scope.
Related professionsHome inspectorsMortgage brokersCPA firmsAll industries
Turn a scattered request into a file you can review.
Bring the declarations page, inspection reports, property facts, and missing items into one working packet.
- 01
Documents arrive
A Florida homeowner asks for a quote and sends the current declarations page, a 4-point inspection and a wind-mitigation report.
- 02
Inventory
Each document is listed with its date and page count, and filed in the agency folder.
- 03
Flags
The inspection is missing a signature. Staff get the item to request.
- 04
Public record
Property facts are attached with their source and the date they were checked.
- 05
Review sheet
An internal review sheet goes to the licensed agent with the open questions in view.
- Declarations page, current policy Received 3 pages, dated
- 4-point inspection Signature missing Request from the inspector
- Wind-mitigation report Received All pages present
- Year built, use, assessed value Sourced County property appraiser, checked date shown
- Roof permit on record Sourced A permit is not proof of roof age
- Flood zone, verified roof age, prior claims Not in Quarry From the client and the agent
Open questions for the licensed agent
- Inspection signature: requested from the inspector.
- Roof age: to confirm with the client and the inspection report.
- Prior claims: from the client and the loss runs.
A review packet in PDF. A working draft in Word.
Prepare submission packets, renewal summaries, and internal quote comparisons with sources and open questions attached.
- Submission packets Applications, schedules, loss runs and supplementals assembled, with open questions marked.
- Renewal summaries The expiring and renewing terms side by side, with the differences for the agent.
- Internal quote comparisons Limits, premiums, exclusions and the hurricane deductible shown separately, with sources.
- Review sheets What was received, what is missing, and the questions only the agent can answer.
Your licensed agent checks the figures, presents the options, and makes the recommendation. Applications stay factual preparation under supervision: the agent completes and reviews them, and each person signs their own parts.
Work in your folder. Use your own browser.
Read agency documents, prepare the next draft, and work through supported carrier portals in the agent’s own Chrome.
- 01
The folder
The assistant reads the applications, declarations pages, inspection reports and loss runs in the folder you choose, compares them, and saves the next draft for review.
- 02
The computer
With your permission it opens applications, clicks and types, and records each action. Sending, submitting and paying follow the approvals the agency sets in writing.
- 03
Your browser
Supported carrier portals in the agent’s own Chrome, with the agent’s own login. Quotes, endorsements, ID cards and certificates; each submission is confirmed by the agent.
- 01Agency file
- 02Clerical preparation
- 03Agent review
- 04Authorized action
Carrier portals are handled individually. Direct AMS and comparative-rater connections are not available. Applied Epic, AMS360, HawkSoft, EZLynx, QQCatalyst and Nowcerts are not synchronized; agency credentials stay under the agency’s control.
Files remain in your working folder. Task text passes through Regaldi’s server to the AI provider; the details are under 12 · Permissions and data.
Put the next renewal in view.
Organize the agency’s renewal records, flag missing documents, and prepare service follow-ups for review.
- 90 days The renewal is listed from the agency’s records. Current documents are checked and the check date is shown.
- 60 days Missing documents are requested with a factual reminder, after a person approves it.
- 30 days Renewal terms are compared with the expiring policy. Differences go to the agent.
- Any day An incoming nonrenewal notice is flagged the day it arrives and goes to the agent.
Illustrative agency workflow. Reminders are configured from agency-supplied records, exports or supported portal work, not from an automatic AMS feed. The 90, 60 and 30 day schedule is the agency’s planning choice, separate from statutory insurer notice periods. A checked date is shown, and missing input is flagged rather than treated as no change.
Your homeowners policy renews on [date]. Our file does not yet have an updated wind-mitigation report. Please reply with it or upload it through the agency’s usual channel.
Questions about your coverage go to your licensed agent, [name].
Prepared by an AI assistant for [agency] · approval by [staff member]
Policy differences go to the agent. Coverage questions go to a licensed person.
Insurance Radar · In development
Radar for insurance agencies.
A dedicated view of agency appointment changes is being refined for insurance professionals.
The planned view brings public licensing evidence into review of agency partnerships and book acquisitions. Nothing is shown here until it is ready: no sample card, no score and no count.
Register interest in the future Radar →The tools around your agency’s work.
Studio prepares the file. Legate organizes follow-through. Quarry brings the public record.
Regaldi Studio
24 processes on the mapStudio prepares the file.
- Agency folder
Applications, declarations pages, inspection reports and loss runs read, compared and filed in the folder you choose. Edits arrive as changes for you to review.
- PDF
Review packets, renewal summaries and internal quote comparisons as finished PDFs in the agency’s style.
- Word
The same drafts as editable Word files, with headings, tables and sources intact.
- Computer use
With your permission the assistant opens applications, clicks and types, and records each action.
- Carrier portals
Quotes, endorsements, ID cards and certificates in the agent’s own Chrome, one portal at a time, each submission confirmed by the agent.
- Sunbiz
Officers, filings and registered agents for commercial prospects and referral partners.
- Email drafts and Calendar
Filled Gmail drafts and Google Calendar entries. A person at the agency presses Send and saves each entry.
- Desk voice and transcription
Speak to the assistant at the desk. Recordings the agency lawfully holds are transcribed with time codes.
Regaldi Legate
13 processes on the mapLegate organizes the follow-through.
- Lead Finder
Realtors, mortgage brokers, dealers, CPAs, property managers and title agencies by area, for business relationships.
- CRM
Every relationship, reply and agreed next contact in one history.
- Draft campaigns
Newsletters and seasonal reminders to consenting recipients, with approval and opt-out handling.
- Approvals
Each outgoing message waits in the Trust Center for the person the agency names.
- Client reminders
Renewal lists at 90, 60 and 30 days, document and inspection reminders, factual and approved.
Regaldi Quarry
4 processes on the mapQuarry brings the public record.
- Property facts
Year built, use and assessed value from the county property appraiser, Miami-Dade in depth.
- Permits and code records
Permits, roof permits included, code violations and unsafe-structure records. A permit is not proof of a roof’s age or condition.
- Agency licenses and appointments
Business licenses and carrier appointments from DFS licensee files. Business entities only, not individual producer licenses.
- Disaster declarations
FEMA declarations by county, as county-level facts.
Client-line voice Available for scoped setup. An assistant on the agency’s client line is configured per agency, identifies itself as automated, and passes every coverage question to a licensed person.
Radar Kept in its own section above while the insurance view is in development.
44 processes. Clear responsibility at every step.
23 workflows assigned to system-led preparation and administration, 14 prepared for an agent’s decision, and 7 reserved for the licensed agent. Every process the system runs or prepares names the Regaldi tool that does it.
- S · System runs it. The system runs the administrative workflow with agency confirmation.
- P · System prepares it. The system prepares; a licensed agent decides.
- H · Licensed agent only. The licensed professional performs the insurance act.
Hover, focus or tap a process to see what the system does.
Inquiries and quotes
5 · 2 · 1- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Each web form, email or voicemail is logged and acknowledged in the agency’s words, and a time with a licensed agent is offered. The reply says it is automated and describes no coverage. Tool: Regaldi Legate.§626.0428(3); §626.112(1)(b)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Drivers, vehicles, property details, the current declarations page and loss history go into the agency’s fact-finder. Missing items are listed for staff to request, under the agency’s privacy rules. Tool: Regaldi Studio.§626.0428(1); rule ch. 69O-128
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Year built, use, assessed value, permits (roof included), code violations and unsafe-structure records for the address, each with its source, Miami-Dade first. The agent verifies them before anything reaches a carrier. Tool: Regaldi Quarry.§626.9541(1)(k)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. 4-point, wind-mitigation and roof reports are collected, dated and checked for missing pages and signatures, and expiring reports are flagged. Mitigation credits are the carrier’s decision. Tool: Regaldi Studio.
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Conditional scope. The Scope of Appointment is recorded before the appointment and kept with the client file. No Medicare voice at launch, and no health information before written data terms. Tool: Regaldi Studio.42 CFR 422.2264(c)(3); 422.2274(g)(2)(ii)
- P · The system prepares it; a licensed agent decides. For inbound requests, collected data is entered into carrier portals in the agent’s own Chrome and the results are saved to the file. The agent confirms each submission and reviews every quote before a client sees it. Tool: Regaldi Studio.§626.0428(1)
- P · The system prepares it; a licensed agent decides. A sourced internal side-by-side of limits, deductibles, exclusions and premiums, with the hurricane deductible shown separately, for the agent to check and present. Tool: Regaldi Studio.§626.112(1)(b)5; §626.9541(1)(a), (l)
- H · The licensed agent performs the insurance act. The system records around it. The system prepares the file. What to buy, which limits and which carrier is the licensed agent’s conversation.§626.112(1)(b); §626.7315; §626.8305
Placement and binding
1 · 3 · 2- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Requests go to prior carriers with the client’s signed authorization and are followed up until the records arrive. Tool: Regaldi Studio and Regaldi Legate.
- P · The system prepares it; a licensed agent decides. Applications, schedules, loss runs and supplementals are assembled into one submission package with open questions marked. The agent answers underwriting questions and signs. Tool: Regaldi Studio.§626.9541(1)(k)
- P · The system prepares it; a licensed agent decides. For each Citizens risk, private offers are set against the 20 percent rule and the flood date is computed from replacement cost. The agent checks the exceptions and advises. Tool: Regaldi Studio.§627.351(6)
- P · The system prepares it; a licensed agent decides. Market-search notes, the insured’s signed disclosure and itemized fees are assembled. Placement remains the licensed surplus lines agent’s act. Tool: Regaldi Studio.§626.916
- H · The licensed agent performs the insurance act. The system records around it. Facts are organized for the agent to complete and review the application. The client signs their own parts; the agent signs as agent.§626.112(1)(b)4; §626.9541(1)(ee)
- H · The licensed agent performs the insurance act. The system records around it. The system records what was bound, when and by whom. Only the licensed and appointed agent binds, within the carrier’s binding rules and any storm moratorium.§626.0428(2); §626.7315
Service and renewals
5 · 2 · 1- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Mailing address, mortgagee, payment method and contact changes are taken, entered in the carrier portal after confirmation, and confirmed to the client. Coverage changes go to the agent. Tool: Regaldi Studio.
- P · The system prepares it; a licensed agent decides. Adding a vehicle or a driver, changing limits or deductibles: the request is prepared with its premium effect. A licensed person discusses it with the client and submits it. Tool: Regaldi Studio.§626.112(1)(b)1
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Certificates are prepared from the policy as written and every request is logged. Agency review precedes issue; nothing is added that the policy does not say. Tool: Regaldi Studio.§626.9541(1)(a)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Auto ID cards, declarations pages and evidence of insurance for lenders and closings are retrieved on request and sent after a person checks the recipient. Tool: Regaldi Studio.
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. The issued policy is compared with the application and the quote: names, VINs, addresses, limits, deductibles and forms. Differences go to the agent. Tool: Regaldi Studio.
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Renewals are listed at 90, 60 and 30 days from the agency’s records, and incoming nonrenewal notices are flagged the day they arrive. The schedule is the agency’s planning choice, separate from insurer notice periods. Tool: Regaldi Legate.§627.4133
- P · The system prepares it; a licensed agent decides. Alternative quotes are gathered for the renewals the agent selects. The agent documents and presents the reason for any move. Tool: Regaldi Studio.§626.9541(1)(l)
- H · The licensed agent performs the insurance act. The system records around it. The system assembles the existing policy’s values and the replacement forms. The best-interest recommendation and the replacement are the agent’s.§627.4554; rule ch. 69B-151
Claims and client care
4 · 1 · 1- S · The system runs the administrative work; a person at the agency confirms, approves or sends. The facts, photos and documents of a loss are recorded with the carrier’s claim line and claim number. Nothing is said about whether the loss is covered. Tool: Regaldi Legate.§626.112(1)(b)5
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Open claims are tracked with the carrier, and the client gets a factual status after a person approves it. No paid claim negotiation. Tool: Regaldi Legate.§626.854
- H · The licensed agent performs the insurance act. The system records around it. The system lays out the policy wording and the facts. Whether something is covered is the licensed agent’s answer and the carrier’s decision.§626.112(1)(b)5; §626.854(2)(b)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. After a disaster declaration or a named storm, supplied policy records are matched to the affected counties. Carrier claim lines go to those current clients after approval. Tool: Regaldi Quarry and Regaldi Legate.
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. A setup option: a voice assistant handles payments, ID cards, documents and appointments, says it is automated, and passes every coverage question to a licensed person. Recording only with every party’s consent. Tool: Regaldi Legate.§626.112(1)(b); §934.03
- P · The system prepares it; a licensed agent decides. Each complaint is logged with its timeline and documents. A response to a DFS consumer-services request is drafted for the agent to review and sign within 14 days. Tool: Regaldi Studio.§624.307(10)(b)
Licensing, money and records
5 · 3 · 1- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Agency licenses and carrier appointments are tracked against DFS licensee data, with staff-supplied producer credentials and renewal dates. Quarry covers business licenses and appointments; individuals are verified separately. Tool: Regaldi Quarry and Regaldi Legate.§626.112(1)(a); §626.0428(4)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Supplied course records are tracked against each person’s two-year cycle, the 4-hour update plus 20 elective hours where it applies, with exceptions verified. Tool: Regaldi Legate.§626.2815
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Carrier statements are reconciled against book exports, and missing or short commissions are listed. No carrier accounting connection is claimed. Tool: Regaldi Studio.
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Each premium received is recorded with its policy and remittance due date. Premium money remains fiduciary funds. Tool: Regaldi Studio.§626.561
- P · The system prepares it; a licensed agent decides. The monthly comparison of bank, receipts and remittances is prepared with the differences explained, for the owner’s review. Tool: Regaldi Studio.§626.561
- H · The licensed agent performs the insurance act. The system records around it. The system prepares the remittance or refund with the ledger. Only the licensee releases money.§626.561(1), (3)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Applications, endorsements, signed documents and correspondence are filed by policy with a retention date of five years after expiration. Folder organization, not certified archiving. Tool: Regaldi Studio.§626.748; §626.561(2)
- P · The system prepares it; a licensed agent decides. The filed rebate schedule and its posting are tracked, and promotional gifts are logged against the $100 per person per year limit, for agency review. Tool: Regaldi Studio.§626.572; §626.9541(1)(h), (m)
- P · The system prepares it; a licensed agent decides. Privacy notices are scheduled. If a breach is suspected, a timeline and notice drafts are prepared; the agency and its counsel make the notice decisions. Tool: Regaldi Studio.Rule ch. 69O-128; §501.171
New business
3 · 3 · 1- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Realtors, mortgage brokers, dealers, CPAs, property managers and title agents: introductions, follow-ups and a history per relationship, sent after approval. No sale-dependent referral fee to an unlicensed person. Tool: Regaldi Legate.§626.112(8)
- P · The system prepares it; a licensed agent decides. Disaster declarations in the agency’s counties, each with its source, for the agent to interpret. The insurance Radar view of agency appointment changes is in development. Tool: Regaldi Quarry.
- P · The system prepares it; a licensed agent decides. Current clients without flood, umbrella, life or a second line are listed from supplied records, with the reason. Messages are drafted for the agent to approve; the recommendation is the agent’s. Tool: Regaldi Studio and Regaldi Legate.
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. Hurricane-season preparation, the Citizens flood dates and renewal-season notes, factual and approved, to clients who agreed to receive them, with opt-outs honored. Tool: Regaldi Legate.CAN-SPAM; §626.9541(1)(b)
- P · The system prepares it; a licensed agent decides. Drafted for the agent’s approval with every factual claim checked. No “financial advisor” wording and nothing implying state backing. Tool: Regaldi Studio.§626.9541(1)(a), (b), (ff)
- S · The system runs the administrative work; a person at the agency confirms, approves or sends. A short, approved request to clients who agreed to hear from the agency. The client writes the review; nothing is given for a positive one. Tool: Regaldi Legate.16 CFR Part 465; §626.9541(1)(m)
- H · The licensed agent performs the insurance act. The system records around it. Only a licensed agent personally places a sales call. The system screens numbers against the Florida and national do-not-call lists, keeps the 8 a.m. to 8 p.m. window and the three-call limit, and records opt-outs. It does not dial cold.§626.0428(3); §501.059; §501.616(6)
Read the whole map as a list
| No. | Process | Who carries it | Tool | What the system does | Rule |
|---|---|---|---|---|---|
| Inquiries and quotes | |||||
| 01 | Inbound inquiries and appointment booking | S · System runs it | Legate | Each web form, email or voicemail is logged and acknowledged in the agency’s words, and a time with a licensed agent is offered. The reply says it is automated and describes no coverage. | §626.0428(3); §626.112(1)(b) |
| 02 | Rating information and documents | S · System runs it | Studio | Drivers, vehicles, property details, the current declarations page and loss history go into the agency’s fact-finder. Missing items are listed for staff to request, under the agency’s privacy rules. | §626.0428(1); rule ch. 69O-128 |
| 03 | Property facts from public records | S · System runs it | Quarry | Year built, use, assessed value, permits (roof included), code violations and unsafe-structure records for the address, each with its source, Miami-Dade first. The agent verifies them before anything reaches a carrier. | §626.9541(1)(k) |
| 04 | Inspection reports | S · System runs it | Studio | 4-point, wind-mitigation and roof reports are collected, dated and checked for missing pages and signatures, and expiring reports are flagged. Mitigation credits are the carrier’s decision. | |
| 05 | Medicare appointments: Scope of Appointment | S · System runs it | Studio | Conditional scope. The Scope of Appointment is recorded before the appointment and kept with the client file. No Medicare voice at launch, and no health information before written data terms. | 42 CFR 422.2264(c)(3); 422.2274(g)(2)(ii) |
| 06 | Quotes from carrier portals | P · System prepares it | Studio | For inbound requests, collected data is entered into carrier portals in the agent’s own Chrome and the results are saved to the file. The agent confirms each submission and reviews every quote before a client sees it. | §626.0428(1) |
| 07 | Quote comparison and proposal | P · System prepares it | Studio | A sourced internal side-by-side of limits, deductibles, exclusions and premiums, with the hurricane deductible shown separately, for the agent to check and present. | §626.112(1)(b)5; §626.9541(1)(a), (l) |
| 08 | Coverage advice and recommendation | H · Licensed agent only | Licensed agent | The system prepares the file. What to buy, which limits and which carrier is the licensed agent’s conversation. | §626.112(1)(b); §626.7315; §626.8305 |
| Placement and binding | |||||
| 09 | Loss runs and prior-coverage records | S · System runs it | Studio · Legate | Requests go to prior carriers with the client’s signed authorization and are followed up until the records arrive. | |
| 10 | Commercial submissions to carriers and MGAs | P · System prepares it | Studio | Applications, schedules, loss runs and supplementals are assembled into one submission package with open questions marked. The agent answers underwriting questions and signs. | §626.9541(1)(k) |
| 11 | Citizens eligibility and the flood requirement | P · System prepares it | Studio | For each Citizens risk, private offers are set against the 20 percent rule and the flood date is computed from replacement cost. The agent checks the exceptions and advises. | §627.351(6) |
| 12 | Surplus lines placements | P · System prepares it | Studio | Market-search notes, the insured’s signed disclosure and itemized fees are assembled. Placement remains the licensed surplus lines agent’s act. | §626.916 |
| 13 | Applications and signatures | H · Licensed agent only | Licensed agent | Facts are organized for the agent to complete and review the application. The client signs their own parts; the agent signs as agent. | §626.112(1)(b)4; §626.9541(1)(ee) |
| 14 | Binding coverage | H · Licensed agent only | Licensed agent | The system records what was bound, when and by whom. Only the licensed and appointed agent binds, within the carrier’s binding rules and any storm moratorium. | §626.0428(2); §626.7315 |
| Service and renewals | |||||
| 15 | Administrative changes | S · System runs it | Studio | Mailing address, mortgagee, payment method and contact changes are taken, entered in the carrier portal after confirmation, and confirmed to the client. Coverage changes go to the agent. | |
| 16 | Coverage changes | P · System prepares it | Studio | Adding a vehicle or a driver, changing limits or deductibles: the request is prepared with its premium effect. A licensed person discusses it with the client and submits it. | §626.112(1)(b)1 |
| 17 | Certificates of insurance | S · System runs it | Studio | Certificates are prepared from the policy as written and every request is logged. Agency review precedes issue; nothing is added that the policy does not say. | §626.9541(1)(a) |
| 18 | ID cards, declarations and evidence for lenders | S · System runs it | Studio | Auto ID cards, declarations pages and evidence of insurance for lenders and closings are retrieved on request and sent after a person checks the recipient. | |
| 19 | Policy checking | S · System runs it | Studio | The issued policy is compared with the application and the quote: names, VINs, addresses, limits, deductibles and forms. Differences go to the agent. | |
| 20 | Renewal review | S · System runs it | Legate | Renewals are listed at 90, 60 and 30 days from the agency’s records, and incoming nonrenewal notices are flagged the day they arrive. The schedule is the agency’s planning choice, separate from insurer notice periods. | §627.4133 |
| 21 | Remarketing at renewal | P · System prepares it | Studio | Alternative quotes are gathered for the renewals the agent selects. The agent documents and presents the reason for any move. | §626.9541(1)(l) |
| 22 | Life and annuity recommendations and replacements | H · Licensed agent only | Licensed agent | The system assembles the existing policy’s values and the replacement forms. The best-interest recommendation and the replacement are the agent’s. | §627.4554; rule ch. 69B-151 |
| Claims and client care | |||||
| 23 | Claim reporting | S · System runs it | Legate | The facts, photos and documents of a loss are recorded with the carrier’s claim line and claim number. Nothing is said about whether the loss is covered. | §626.112(1)(b)5 |
| 24 | Claim follow-up | S · System runs it | Legate | Open claims are tracked with the carrier, and the client gets a factual status after a person approves it. No paid claim negotiation. | §626.854 |
| 25 | Coverage questions on a claim | H · Licensed agent only | Licensed agent | The system lays out the policy wording and the facts. Whether something is covered is the licensed agent’s answer and the carrier’s decision. | §626.112(1)(b)5; §626.854(2)(b) |
| 26 | Catastrophe response | S · System runs it | Quarry · Legate | After a disaster declaration or a named storm, supplied policy records are matched to the affected counties. Carrier claim lines go to those current clients after approval. | |
| 27 | Routine calls from current clients | S · System runs it | Legate | A setup option: a voice assistant handles payments, ID cards, documents and appointments, says it is automated, and passes every coverage question to a licensed person. Recording only with every party’s consent. | §626.112(1)(b); §934.03 |
| 28 | Complaints and DFS inquiries | P · System prepares it | Studio | Each complaint is logged with its timeline and documents. A response to a DFS consumer-services request is drafted for the agent to review and sign within 14 days. | §624.307(10)(b) |
| Licensing, money and records | |||||
| 29 | Licenses and appointments | S · System runs it | Quarry · Legate | Agency licenses and carrier appointments are tracked against DFS licensee data, with staff-supplied producer credentials and renewal dates. Quarry covers business licenses and appointments; individuals are verified separately. | §626.112(1)(a); §626.0428(4) |
| 30 | Continuing education | S · System runs it | Legate | Supplied course records are tracked against each person’s two-year cycle, the 4-hour update plus 20 elective hours where it applies, with exceptions verified. | §626.2815 |
| 31 | Commission statements | S · System runs it | Studio | Carrier statements are reconciled against book exports, and missing or short commissions are listed. No carrier accounting connection is claimed. | |
| 32 | Premium receipts and remittances | S · System runs it | Studio | Each premium received is recorded with its policy and remittance due date. Premium money remains fiduciary funds. | §626.561 |
| 33 | Premium trust reconciliation | P · System prepares it | Studio | The monthly comparison of bank, receipts and remittances is prepared with the differences explained, for the owner’s review. | §626.561 |
| 34 | Releasing premium funds and return premiums | H · Licensed agent only | Licensed agent | The system prepares the remittance or refund with the ledger. Only the licensee releases money. | §626.561(1), (3) |
| 35 | Records retention | S · System runs it | Studio | Applications, endorsements, signed documents and correspondence are filed by policy with a retention date of five years after expiration. Folder organization, not certified archiving. | §626.748; §626.561(2) |
| 36 | Rebate schedule and gift log | P · System prepares it | Studio | The filed rebate schedule and its posting are tracked, and promotional gifts are logged against the $100 per person per year limit, for agency review. | §626.572; §626.9541(1)(h), (m) |
| 37 | Privacy notices and breach response | P · System prepares it | Studio | Privacy notices are scheduled. If a breach is suspected, a timeline and notice drafts are prepared; the agency and its counsel make the notice decisions. | Rule ch. 69O-128; §501.171 |
| New business | |||||
| 38 | Referral partners | S · System runs it | Legate | Realtors, mortgage brokers, dealers, CPAs, property managers and title agents: introductions, follow-ups and a history per relationship, sent after approval. No sale-dependent referral fee to an unlicensed person. | §626.112(8) |
| 39 | Public-record signals | P · System prepares it | Quarry | Disaster declarations in the agency’s counties, each with its source, for the agent to interpret. The insurance Radar view of agency appointment changes is in development. | |
| 40 | Rounding out current accounts | P · System prepares it | Studio · Legate | Current clients without flood, umbrella, life or a second line are listed from supplied records, with the reason. Messages are drafted for the agent to approve; the recommendation is the agent’s. | |
| 41 | Newsletters and seasonal reminders | S · System runs it | Legate | Hurricane-season preparation, the Citizens flood dates and renewal-season notes, factual and approved, to clients who agreed to receive them, with opt-outs honored. | CAN-SPAM; §626.9541(1)(b) |
| 42 | Website, articles and short videos | P · System prepares it | Studio | Drafted for the agent’s approval with every factual claim checked. No “financial advisor” wording and nothing implying state backing. | §626.9541(1)(a), (b), (ff) |
| 43 | Reviews from clients | S · System runs it | Legate | A short, approved request to clients who agreed to hear from the agency. The client writes the review; nothing is given for a positive one. | 16 CFR Part 465; §626.9541(1)(m) |
| 44 | Calling prospective clients | H · Licensed agent only | Licensed agent | Only a licensed agent personally places a sales call. The system screens numbers against the Florida and national do-not-call lists, keeps the 8 a.m. to 8 p.m. window and the three-call limit, and records opt-outs. It does not dial cold. | §626.0428(3); §501.059; §501.616(6) |
The AI assistant does not initiate insurance sales contact, advise on coverage, complete a client’s insurance transaction, or bind a policy.
The map describes responsibility and configurable work, not 44 deployed integrations. Left off on purpose: AI or prerecorded voice sales calls to anyone without prior express written consent (47 CFR 64.1200; FCC 24-17; §501.059(8)(a)), and any unsolicited call or text about Medicare Advantage or Part D (42 CFR 422.2264).
Your license. Your judgment. Your client.
You explain coverage, recommend the policy, review and sign the application, and bind within the limits your carriers set.
Regaldi prepares administrative work for your review. It is not an insurance agent or agency, is not appointed by an insurer, and does not transact insurance.
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08 Coverage advice and recommendation
§626.112(1)(b), Fla. Stat.- What the law places with the agent
- Florida defines solicitation to include describing the terms of coverage, recommending insurance products, comparing products, advising on insurance matters and interpreting policies. Each requires a license, and §§626.7315 and 626.8305 bar anyone unlicensed from giving opinions on insurance.
- The file work around it
- The system prepares the file. What to buy, which limits and which carrier is the licensed agent’s conversation.
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13 Applications and signatures
§626.112(1)(b)4; §626.9541(1)(k), (ee)- What the law places with the agent
- Completing orders or applications for insurance products is solicitation. A misrepresentation in an application is an unfair trade practice, and no one signs for another person.
- The file work around it
- Facts are organized for the agent to complete and review the application. The client signs their own parts; the agent signs as agent.
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14 Binding coverage
§626.0428(2), Fla. Stat.- What the law places with the agent
- An agency employee may not bind coverage unless licensed and appointed. Binding follows the carrier’s binding rules and any storm moratorium.
- The file work around it
- The system records what was bound, when and by whom. Only the licensed and appointed agent binds, within the carrier’s binding rules and any storm moratorium.
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22 Life and annuity recommendations and replacements
§627.4554; rule ch. 69B-151- What the law places with the agent
- An annuity recommendation must be in the consumer’s best interest, and replacing life or annuity coverage carries the agent’s duties under rule chapter 69B-151. Administrative support is not a recommendation under the statute.
- The file work around it
- The system assembles the existing policy’s values and the replacement forms. The best-interest recommendation and the replacement are the agent’s.
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25 Coverage questions on a claim
§626.854, Fla. Stat.- What the law places with the agent
- Whether a loss is covered is advice on insurance matters, and the carrier decides the claim. A P&C agent who negotiates a claim for a fee crosses into public adjusting; the health-agent exception in §626.854(2)(b) does not make the assistant an adjuster.
- The file work around it
- The system lays out the policy wording and the facts. Whether something is covered is the licensed agent’s answer and the carrier’s decision.
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34 Releasing premium funds and return premiums
§626.561, Fla. Stat.- What the law places with the agent
- Premiums are trust funds held in a fiduciary capacity. The licensee is accountable for them, and records of premium payments are kept for three years.
- The file work around it
- The system prepares the remittance or refund with the ledger. Only the licensee releases money.
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44 Calling prospective clients
§626.0428(3); §501.059; §501.616(6)- What the law places with the agent
- Unlicensed agency personnel may not initiate contact with any person to solicit insurance. A licensed agent who calls follows the do-not-call lists, the calling hours and the three-call limit, and gives their true name and the agency’s.
- The file work around it
- Only a licensed agent personally places a sales call. The system screens numbers against the Florida and national do-not-call lists, keeps the 8 a.m. to 8 p.m. window and the three-call limit, and records opt-outs. It does not dial cold.
Internal preparation is not permission for unlicensed solicitation, and the AI assistant is not a licensed customer representative. Coverage changes, comparisons and answers that reach a client remain licensed work. Summaries of the Florida Statutes as fetched on October 13, 2026; read the full texts at leg.state.fl.us. General information, not legal or insurance advice.
Put a number on the administrative workload.
Use your agency’s volumes to choose a workflow worth measuring.
≈ hours a week
Modeled administrative workload: hours a week, of the team’s paid hours. The part selected for evaluation is of those hours.
(30 requests × 30 min + 2,500 policies × 45 min ÷ 52) ÷ 60 = 51.1 hours a week; × 52.3% = 26.7 selected for evaluation
Estimate from the assumptions shown. This is not a measurement of your agency or a promise of time saved. Review and approval still take time.
Build the relationship. Prepare the next conversation.
Research business partners, organize follow-ups, and put prospective-client conversations in licensed hands.
Find
Legate · QuarryTrack A · business partnersLead Finder for realtors, mortgage brokers, dealers, CPAs, property managers and title agencies in the agency’s counties. The future insurance Radar adds reviewed agency-partnership signals.
Track B · prospective clientsInbound requests and the agency’s own records. County signals support planning, not lists of affected people to contact.
Public records are research inputs. Agency licensing records do not identify policyholders.
Research
Studio · QuarryTrack A · business partnersSunbiz and available business-license facts for each partner, prepared for review.
Track B · prospective clientsThe commercial entity, or the property of someone who asked for a quote. Facts go to the agent for verification.
Facts reach a carrier only after the agent checks them (§626.9541(1)(k)).
Write
Legate · StudioTrack A · business partnersA relevant introduction drafted for approval and sent from the agency’s mailbox. A business relationship inquiry.
Track B · prospective clientsRequested correspondence, or written advertising controlled by the licensed agent. The licensed person reviews and initiates any insurance solicitation.
A licensed agent controls insurance solicitation. Marketing email uses accurate sender information, a physical address and a working opt-out.
Call
Legate, set up per agencyTrack A · business partnersCalls arranged after opt-in. An AI scheduling call also needs documented prior express written consent and a configured agency workflow.
Track B · prospective clientsA licensed agent personally makes permitted sales calls. A configured AI assistant only schedules and collects facts for people who asked for a call and gave written consent.
No cold AI calls. AI voice requires prior express written consent. Coverage conversations stay with licensed agents.
Follow up
LegateTrack A · business partnersThe relationship, replies and agreed next contact recorded in the CRM.
Track B · prospective clientsCoverage replies routed to a licensed person. Opt-outs honored at once and recorded.
Opt-outs stop further outreach.
Present
StudioTrack A · business partnersFactual guides for partners, checked by the agency: wind mitigation, flood and the Citizens dates.
Track B · prospective clientsAn internal proposal. The licensed agent presents comparisons and coverage terms.
The licensed agent verifies claims and presents coverage options.
Close
LegateTrack A · business partnersThe referral source recorded and the licensed consultation arranged.
Track B · prospective clientsThe agent recommends, the client signs, and the agent binds. Regaldi records the administrative follow-through.
Fixed software and service fees. No per-lead or per-sale charges.
A business contact does not become a policyholder list, and a reply does not by itself establish written consent for an AI call. There are no insurance acquisition results to publish; this is the method.
- Calling hours and limits
Florida and national do-not-call screening, calls only between 8 a.m. and 8 p.m. in the recipient’s location, and at most three sales calls on the same subject in 24 hours (§501.059(4); §501.616(6), which binds licensed agents too). §501.616
- Who is calling
Callers give their true name and the agency’s name (§501.059(2)). A call is recorded only with the consent of every party (§934.03). §501.059
- AI voice
An AI or prerecorded voice reaches a person only with prior express written consent under the TCPA (47 CFR 64.1200), FCC Declaratory Ruling 24-17, which treats AI voices as artificial, and the Florida Telephone Solicitation Act (§501.059(8)(a)). Business to business is not an exemption from these consent rules. 47 CFR 64.1200
- Medicare
Unsolicited Medicare Advantage and Part D calls or texts are excluded for everyone (42 CFR 422.2264). No Medicare AI voice at launch. 42 CFR 422.2264
- Consent evidence
A reply, an inbound call or a ticked box does not by itself establish written consent for AI sales calls; the consent evidence and wording are verified separately. Revocation by any reasonable means stops outreach at once. Consent never lets the assistant recommend or sell insurance.
- No paid referrals
The assistant and unlicensed staff do not initiate contact to solicit insurance (§626.0428(3)). Referral thanks to unlicensed partners never depend on a sale (§626.112(8)), and gifts stay within $100 per person per year (§626.9541(1)(m)). §626.112
Keep the insurance rules attached to the work.
Every workflow identifies the licensed decision, the source, and the record the agency needs to keep.
Accuracy and advertising§626.9541(1)
Every application answer and public claim is checked. No misleading coverage comparisons, altered certificates, fraudulent signatures, sliding, twisting, churning, misleading “financial advisor” titles, or implied state or federal backing. Health advertising discloses paid third-party branding where required. Read the text
Citizens§627.351(6)
The agent applies the 20 percent private-offer eligibility test and the flood timetable: January 1, 2027 for the remaining covered personal residential risks, earlier dates for higher replacement costs, flood already required in special flood hazard areas, and exceptions for wind-excluded policies and condominium unit-owner forms. Not a blanket flood requirement for every policy. Read the text
Renewals§627.4133
Agency reminders are separate from insurer duties: 45 days for residential renewal-premium notice, generally 120 days for cancellation or nonrenewal, and 10 days for nonpayment. The agent checks the applicable case and its exceptions. Read the text
Surplus lines§626.916
The agent verifies the market-search requirements, the fees, and the insured’s signed disclosure that coverage may be available in the admitted market and is not protected by FIGA. Read the text
Claims§626.854
Administrative reporting and status only. No promise that a loss is covered or will be paid. Negotiating a P&C claim for a fee raises public-adjuster licensing questions; the health-agent exception does not make the assistant an adjuster. Read the text
Annuities and replacements§627.4554; 69B-151
Best-interest recommendations and replacement duties stay with the licensed agent. Administrative support does not recommend a replacement. Read the text
Money§626.561
Premiums are fiduciary funds. The assistant prepares records and reconciliation; the licensee releases funds. No automatic premium payment or refund. Read the text
Retention and continuing education§626.748; §626.2815
Policy records at least five years after expiration; premium-payment records at least three years. Continuing education tracked against the applicable cycle, including the 4-hour update plus 20 elective hours every two years where it applies, with exceptions verified. Read the text
Rebates and gifts§626.572; §626.9541(1)(h), (m)
Rebates require a filed, posted, uniformly applied schedule and five years of copies. Gifts stay within $100 a year per insured or prospect. No sale-dependent referral payments to unlicensed partners and no rewards for positive reviews. Read the text
Medicare42 CFR 422.2264, 422.2274
Conditional scope, reviewed separately: a Scope of Appointment before the appointment, valid for 12 months; required marketing and sales calls recorded in full and kept for six years, with lawful recording consent; no unsolicited calls or texts. Read the text
Complaints§624.307(10)(b)
A written request from the DFS Division of Consumer Services about a consumer complaint is answered within 14 days. Agency review and signature remain required. Read the text
E&O and AI rulesLicensing and trade-practice law
The file shows who did what and when, which an E&O carrier may ask for. No claim that Regaldi reduces E&O exposure, that a statute requires E&O coverage of every agent, or that a special Florida AI approval scheme applies. The research behind this page found that Florida has not adopted the NAIC model bulletin on insurers’ use of AI and found no DFS guidance on AI assistants in agencies. Florida licensing and trade-practice rules apply. Read the text
Agree the access. Keep the review clear.
Define who approves actions, which files the assistant may use, and how task data is handled before connecting agency accounts.
- Your computerThe agency folderstays here
- Regaldi’s serverPasses the task textstores conversation memory and uploaded attachments
- AI providerAnthropic or OpenAIprocesses the text used for a task
Before setup, agree permitted data, account access, retention, deletion, and the people responsible for review. AI output can be wrong. Check sources, policy details and recipients before relying on the work.
Who approves what
Which actions wait for approval, and who approves them, is agreed in writing with the agency before any account is connected. The assistant never binds coverage or releases premium funds.
- Privacy duties
- The agency keeps its privacy-notice and information-security duties under rule chapter 69O-128, Florida’s privacy rule built on the Gramm-Leach-Bliley Act, and under FIPA (§501.171): notice to individuals within 30 days, notice to the Department of Legal Affairs when 500 or more Floridians are affected, and Regaldi as a vendor tells the agency of a breach within 10 days. Legal exceptions are handled by counsel.
- Health information
- Health information stays out of the first workflow unless data eligibility, HIPAA business-associate status and any required business associate agreement are resolved in writing.
- AI says so
- The assistant identifies itself as automated in its communications. This is Regaldi policy, not a claim that Florida insurance law contains a special AI-disclosure rule.
- Claims not made
- No SOC 2, ISO or HIPAA certification, no zero data retention, and no local-only processing claim.
Start with one agency workflow.
Choose the work, agree the review steps, and measure the result with your team.
- 01Two to three weeks
Diagnostic
Two to three weeks with your team: the file to start with, how long it takes today, the review steps, and the data and access terms. That measure is the baseline. Starting points: quote-document preparation, renewal review packets or referral-partner administration.
Credited once toward the project.
- 02One process
Pilot of one workflow
One supervised workflow running, for example renewal review packets at 90, 60 and 30 days, measured against that baseline and acceptance criteria agreed before work starts.
Where a question remains open after the diagnostic.
- 03In stages
Build
Further workflows from the map, one at a time, each with its own baseline: Studio at the agents’ desks, Legate for follow-through with approvals, Quarry for property and licensing facts.
A timeline is committed for the agreed first stage. Each workflow goes live only after the agency approves its permissions.
A fixed price for the agreed software and service scope. No per-lead, per-policy, per-sale, premium-based, or commission-sharing compensation (§626.112(8)).
The scope of each stage is agreed in writing. Studio, Legate and Quarry are also sold on their own. Regaldi reports the changes it observes and their limits; it does not promise results.
Prices: regaldi.ai/pricing/
Tell us where the work collects.
Describe one administrative process your agency wants to improve: your state and counties, lines of business, team size and the workflow. A principal reads every inquiry and writes back by email. This form asks for a business discussion with Regaldi, not an insurance quote.
Do not include client names, policy numbers, health information, documents, passwords, or payment details.
Do not include patient information, client files or passwords. Sending this does not purchase a service. Your message is relayed to office@regaldi.ai through FormSubmit; our Privacy Policy applies.
Regaldi LLC is a Florida software company, not an insurance agency or agent. It is not appointed by any insurer and does not transact insurance. General information, not legal or insurance advice. Each agency is responsible for its own compliance, including licensing, solicitation, consent for calls and texts, privacy and records. The rule summaries on this page are simplified; read the full texts linked here. AI output can be inaccurate and must be reviewed by a licensed person before it is relied on.