AI agents are already having millions of insurance conversations every day. But there's no infrastructure to ensure those conversations are accurate, compliant, or connected to real carriers.
That's why we built Malcolm.
The Problem
When an AI agent recommends an insurance product, there's currently no way to verify that the recommendation is:
- Accurate - does the product actually cover what the agent says it does?
- Compliant - does the recommendation meet regulatory requirements?
- Connected - can the user actually purchase the recommended product?
This gap between AI-generated advice and real insurance products is a massive liability for carriers, partners, and consumers alike.
Our Approach
Malcolm sits between AI agents and insurance carriers as a compliant middleware layer. Every AI-generated quote is validated against carrier product rules in real-time. PII is stripped in-flight. Compliant checkout URLs are generated automatically.
All through a single API:
curl -X POST https://api.trymalcolm.com/v1/validate \
-H "Authorization: Bearer your-api-key" \
-H "Content-Type: application/json" \
-d '{
"product_id": "home-insurance-basic",
"quote": {
"premium": 450,
"coverage": "buildings-and-contents"
}
}'
Check out our documentation to get started with the Malcolm API.
What's Next
We're working with leading UK insurers and backed by Founders Factory. Over the coming weeks, we'll be sharing more about our technical architecture, compliance framework, and partner integrations.
Stay tuned - and if you're building AI-powered insurance experiences, get in touch.