Fuse, an AI intelligence platform focused on the commercial insurance sector, has introduced Mark, a new solution designed to assess insurance submissions against live market data.
The launch follows the company’s recent release of Watch, its live peril dashboard for commercial insurance, which maps active risk events across the United States in real time for brokers and underwriters, and its earlier rollout of an Agriculture vertical, reflecting a broader build-out of its sector-wide intelligence offering.
The company describes Mark as a tool that evaluates submissions across five dimensions within seconds, offering brokers an early-stage assessment before going to market and giving carriers an additional, independent perspective when submissions reach underwriting.
According to Fuse, commercial insurance submissions continue to present a notable imbalance of information across the market.
Brokers often circulate submissions to multiple carriers and wait several days to understand which markets are interested, while carriers review high volumes of submissions without a consistent method of benchmarking them against current conditions. Fuse suggests this can lead to declined risks, pricing inconsistencies at renewal, and gaps in cover that may only become evident at the point of claim.
Fuse explains that Mark is designed to reduce these inefficiencies by analysing submission materials uploaded by brokers. These may include ACORD forms, vehicle schedules, loss runs, supplementary questionnaires, declarations pages, and files in formats such as PDF, DOCX, XLSX, and images. The system extracts relevant information, builds a structured scorecard, and presents an assessment aligned with how a carrier is likely to interpret the submission.
“The submission process is the single biggest information asymmetry in commercial insurance,” commented Sean Bourgeois, founder and CEO of Fuse. “Brokers don’t know which carriers will engage until five days after the submission goes out. Carriers don’t know how a submission stacks up against their peers in the same week. Mark closes both gaps. Every submission gets the same five-stage stress test, and every party — broker, underwriter, MGA, fronting carrier — sees the same intelligence layer.”
Fuse states that Mark operates through a five-stage evaluation framework supported by its data infrastructure. This framework considers factors such as current market conditions, exposure to risk events, the suitability of coverage structures, expected pricing benchmarks, and the overall completeness and clarity of the submission.
These insights are generated using continuously updated inputs relating to insurer appetite, rate filings, environmental risks, litigation activity, telematics data, and compliance signals across the United States.
The company adds that Mark is powered by its broader data engine, which draws from more than 50 live data sources, including regulatory filings, financial disclosures, risk management datasets, safety records, economic indicators, and market intelligence. Fuse notes that these data inputs are refreshed at frequent intervals to reflect current market dynamics.
Fuse confirms that Mark is now available via its platform. Brokers can access the product through a 14-day trial, with ongoing use included in the company’s Professional and Enterprise tiers. The company states that Mark supports both individual and batch uploads, enabling users to assess single submissions or larger portfolios.
