Insurance infrastructure was built for forms and humans, not AI agents. AI outputs are probabilistic, but insurance systems require structured data with certainty.
Enable AI insurance journeys safely and compliantly.
Malcolm connects AI agents like ChatGPT to insurer pricing and underwriting systems - turning conversations into compliant quote and bind transactions.
What can I help with?
ChatGPT can make mistakes. Check important info.
Backed by Founders Factory
That's why we built Malcolm. A compliance layer between AI agents and insurer systems - so every request is translated, every transaction is monitored, and every quote meets regulatory standards.
Compliance LayerMalcolm doesn't just help you stay compliant - it unlocks entirely new capabilities, too.
Of course! I found 3 options based on your details. Here are the best quotes:
Your Home Insurance QuotesHomeShield Plus
Comprehensive cover
£42.99
per month
SafeNest
No-middleman pricing
£38.50
per month
CoverRight
Multi-policy discounts
£35.99
per month
Select a quote to continue to purchase on the insurer's website.
New distribution channels
Open your products to AI agents, chatbots, and modern platforms - reaching customers wherever they are.
Connect to ChatGPT, Claude, Gemini, and any AI platform via a single integration
Headless APIs and generative UI components for flexible deployment
Real-time quote and bind workflows across every connected channel
Automatic payload translation between AI formats and insurer endpoints
Compliance Monitoring
Make sure your AI storefront stays compliant, on every channel, at all times.
Real-time checks on mandatory disclosures, legal text, and advice boundaries
Per-jurisdiction rules that adapt as regulations evolve
Cross-model consistency scoring across every platform
Gate enforcement for multi-step quoting and escalation workflows
Sessions
Quotes
Bound
AI app analytics
Track how AI-driven channels convert, quote, and bind - with full visibility into every transaction.
Conversion funnels from chat to quote to bind across every AI app
Per-platform breakdown of volume, pricing, and drop-off rates
Real-time monitoring of hallucination rates and data accuracy
Exportable reports for underwriting, compliance, and distribution teams
Output control
Shape how AI platforms answer questions about your products - grounded in your own knowledge base, not the model's best guess.
FAQ search tool allows LLMs pull answers directly from your knowledge base
Responses grounded in approved content - reducing hallucinations and off-brand messaging
Update your FAQ anytime and every connected AI platform reflects the change immediately
Full audit trail of which FAQ entries were used to inform each customer interaction
Stay compliant as regulations evolve. GDPR, the EU AI Act, DORA. Whatever the requirements, Malcolm helps you keep up.
27001
Integrate with existing systems. Connect directly to your core policy admin, pricing, and underwriting systems without ripping and replacing.
ProtocolThe industry needs shared
principles for AI distribution.
Malcolm is built on a set of principles we believe the whole industry should work to. AI agents will quote and bind insurance policies - but today, there are no standards for how they should behave. We wrote the Agent-to-Agent Manifesto to change that, and we're asking the industry to sign it.
Frequently asked questions
Latest from the blog
Insights on AI-powered insurance distribution, compliance, and the future of embedded insurance.
Ready to unlock AI distribution?
See how Malcolm can help you distribute insurance through AI agents & LLMs - compliantly, at scale.
$ curl -X POST /v1/quote \ -H "Authorization: Bearer mk_live_..." \ -d '{ "product": "home_insurance", "postcode": "M20 2JL", "rebuild_cost": 350000, "contents_cover": true }' { "status": "quoted", "provider": "Aviva", "product": "Home Insurance", "premium": "£24.80/mo", "buildings": "£350k", "contents": "£50k", "checkout_url": "https://checkout. trymalcolm.com/q/abc123" }