Insurance broking is admin-heavy — quotes, submissions, renewals, compliance — where AI can free brokers to advise. Here’s how in 2026. (dgm implements osFoundry as an independent partner; regulatory responsibility stays with the broker.)
Where AI helps
- quote and policy administration;
- document and submission processing;
- client communication drafting;
- cover and renewal summarisation; and
- compliance support.
AI reduces admin so brokers spend more time advising — advice stays with the broker.
The regulation
Insurance brokers are FCA-regulated, so Consumer Duty applies to client-facing AI: fair outcomes, clear communication, avoiding foreseeable harm. SM&CR accountability and UK GDPR for client data also apply. The FCA relies on existing frameworks, not AI-specific rules.
Advice stays human
AI can organise, draft and summarise — but advice and significant decisions stay with the regulated broker, keeping a human in the loop and meeting conduct obligations.
Data control
Keep client data in your control (self-hosting or an EU region), minimise what AI processes, and use a governed platform with an AI use policy so staff don’t paste client data into consumer AI.
Where osFoundry and dgm fit
dgm builds Consumer-Duty-aware, data-controlled AI on osFoundry: data control (self-hosting or an EU region; it publishes US/EU/JP regions, not a UK one), bring-your-own-key, audit and human oversight, focused on admin and communication use cases.
dgm is an independent integration partner with zero integrations so far — no client claims. Regulatory responsibility stays with the broker. To scope a compliant broker AI project, book a consultation with dgm. Not regulatory advice.