{
  "schema_version": "0.1.0",
  "record_type": "industry_value_research",
  "industry_id": "insurance_agencies",
  "industry_name": "US independent insurance agencies",
  "as_of": "2026-09-05",
  "jurisdiction": "United States independent-agency research pilot; licensing, appointment, privacy and state filing requirements require agency-specific review.",
  "status": "research_only_not_admitted",
  "source_frame": "Action Model system-map industry slug insurance_agencies; taxonomy reference only, not demand or implementation proof.",
  "scope_note": "This record concerns agency-side intake, service and renewal administration. Carriers retain underwriting, claims and policy authority; an agency workflow may prepare or route information but cannot bind coverage, decide a claim or replace a licensed producer.",
  "summary": "Start with supervised submission intake, document completeness, certificate/service requests and renewal preparation. Existing agency-management products already advertise broad workflow capabilities, so any pilot must compare against the actual incumbent and preserve carrier and licensed-producer authority.",
  "automation_research": {
    "finding": "BLS describes insurance-sales-agent work that includes interviewing applicants, explaining policies and contacting existing policyholders. That task inventory supports measuring administrative assistance around collection, reminders and document preparation; it does not establish an automation rate, carrier acceptance or permission to make coverage decisions.",
    "source_ids": [
      "bls",
      "iiaba"
    ],
    "forecast_percent": null,
    "forecast_note": "No independently measured agency automation percentage or adoption rate is used. Vendor feature pages are capability evidence only, not realized savings or prevalence evidence."
  },
  "software": [
    {
      "name": "Applied Epic",
      "capability": "Vendor advertises agency-management capabilities spanning client and policy information, workflows, document management and reporting for insurance agencies.",
      "evidence_scope": "vendor_advertised_not_installation_or_outcome_proof",
      "source_ids": [
        "applied-epic"
      ],
      "price": null,
      "price_note": "No public agency-specific quote or avoidable incumbent spend was verified."
    },
    {
      "name": "Vertafore AMS360",
      "capability": "Vendor advertises a cloud agency-management system for customer, policy, accounting, reporting and workflow administration.",
      "evidence_scope": "vendor_advertised_not_installation_or_outcome_proof",
      "source_ids": [
        "ams360"
      ],
      "price": null,
      "price_note": "No public agency-specific quote or achieved outcome was verified."
    }
  ],
  "modules": [
    {
      "repository": "surveyjs/survey-library",
      "capability": "Schema-driven forms and structured responses useful for supervised applicant or service-request intake.",
      "source_revision": "unverified; default branch reviewed 2026-09-05",
      "existing_foundry_ref": "intelligence/agency/value-matrix.json:agency.intake.surveyjs",
      "reuse_shape": "Version-pinned intake component with SISO-owned schemas, consent, response storage and export; no automatic coverage recommendation or bind action.",
      "rights_state": "GitHub metadata and project licensing require route-specific review before adoption.",
      "source_ids": [
        "repo-surveyjs"
      ],
      "limits": "Form capability does not prove accessibility, carrier integration, consent sufficiency, licensing compliance or field-level validation for a particular line of business."
    },
    {
      "repository": "activepieces/activepieces",
      "capability": "Reusable connectors and event-driven workflow execution for reminders, routing and approved back-office actions.",
      "source_revision": "unverified; default branch reviewed 2026-09-05",
      "existing_foundry_ref": "intelligence/agency/value-matrix.json:agency.automation.activepieces",
      "reuse_shape": "Allowlisted draft/notification flows with explicit producer approval for carrier-facing or client-facing writes.",
      "rights_state": "Project README distinguishes community and enterprise boundaries; license and connector route need review.",
      "source_ids": [
        "repo-activepieces"
      ],
      "limits": "Connectors do not prove carrier API permission, idempotency, retry safety, secrets handling or producer authority."
    },
    {
      "repository": "metabase/metabase",
      "capability": "Read-oriented dashboards and queries for governed service, renewal and exception metrics.",
      "source_revision": "unverified; default branch reviewed 2026-09-05",
      "existing_foundry_ref": "intelligence/agency/value-matrix.json:agency.analytics.metabase",
      "reuse_shape": "Separate read model for operational reporting; never the policy, premium, claims or accounting system of record.",
      "rights_state": "Project edition and embedding/license route require review before client-facing use.",
      "source_ids": [
        "repo-metabase"
      ],
      "limits": "Dashboards do not establish data freshness, metric correctness, tenant isolation or permission to expose protected client information."
    }
  ],
  "processes": [
    {
      "id": "submission_intake",
      "process": "New-business submission intake and completeness chase",
      "automation_boundary": "Collect supplied applicant and risk fields, normalize documents and flag missing or inconsistent items; do not recommend coverage, bind or represent carrier acceptance.",
      "evidence_state": "capability_supported_value_hypothesis",
      "source_ids": [
        "bls",
        "applied-epic",
        "repo-surveyjs"
      ],
      "current_software": [
        "Applied Epic",
        "Vertafore AMS360"
      ],
      "github_modules": [
        "surveyjs/survey-library",
        "activepieces/activepieces"
      ],
      "baseline_required": "Matched submission volume, completeness/error rate, human minutes including chase and review, actual software spend and operator cost.",
      "metric": "Human minutes per complete, producer-accepted submission, including review, rework and exceptions",
      "falsifier": "Reject if missing or conflicting risk facts are silently accepted, unauthorized data is exposed, or total reviewed human effort does not decrease.",
      "human_authority": "Licensed producer or designated agency reviewer decides whether a submission is complete and suitable to send; carrier decides underwriting and acceptance.",
      "value": {
        "formula_ref": "observed-value-v0.1",
        "currency": "USD",
        "annual_net_cash": null,
        "annual_capacity_hours": null,
        "status": "unmeasured"
      }
    },
    {
      "id": "service_request",
      "process": "Policy-service request triage and document preparation",
      "automation_boundary": "Classify incoming service requests, locate policy context and draft a checklist or response for review; do not alter policy terms or issue an endorsement automatically.",
      "evidence_state": "capability_supported_value_hypothesis",
      "source_ids": [
        "applied-epic",
        "ams360",
        "repo-activepieces"
      ],
      "current_software": [
        "Applied Epic",
        "Vertafore AMS360"
      ],
      "github_modules": [
        "activepieces/activepieces",
        "metabase/metabase"
      ],
      "baseline_required": "Matched request volume and class, first-response quality, human minutes including escalations/rework, actual spend and operator cost.",
      "metric": "Net human minutes per correctly routed and producer-approved request, including exceptions and reopenings",
      "falsifier": "Reject if a request is routed to the wrong client/policy, stale information is sent, or an external write occurs without approval.",
      "human_authority": "Agency service owner and licensed producer retain authority over advice, policy changes and carrier communication.",
      "value": {
        "formula_ref": "observed-value-v0.1",
        "currency": "USD",
        "annual_net_cash": null,
        "annual_capacity_hours": null,
        "status": "unmeasured"
      }
    },
    {
      "id": "certificate",
      "process": "Certificate-of-insurance request handling",
      "automation_boundary": "Gather request facts and prepare a draft from verified policy records; require an authorized reviewer before release and never infer coverage beyond the policy.",
      "evidence_state": "capability_supported_value_hypothesis",
      "source_ids": [
        "ams360",
        "repo-surveyjs",
        "repo-activepieces"
      ],
      "current_software": [
        "Applied Epic",
        "Vertafore AMS360"
      ],
      "github_modules": [
        "surveyjs/survey-library",
        "activepieces/activepieces"
      ],
      "baseline_required": "Matched certificate volume, turnaround, correction/reissue rate, human minutes including review, actual spend and operator cost.",
      "metric": "Human minutes per accurate, authorized certificate, with corrections, exceptions and recipient verification counted",
      "falsifier": "Reject if a certificate states unsupported coverage, goes to an unauthorized recipient, or review/reissue effort offsets the time reduction.",
      "human_authority": "Authorized agency staff verifies policy facts and recipient before release; the certificate does not amend policy or create carrier authority.",
      "value": {
        "formula_ref": "observed-value-v0.1",
        "currency": "USD",
        "annual_net_cash": null,
        "annual_capacity_hours": null,
        "status": "unmeasured"
      }
    },
    {
      "id": "renewal",
      "process": "Renewal preparation and exception queue",
      "automation_boundary": "Surface upcoming expirations, missing renewal information and changed fields for producer review; do not select limits, recommend replacement coverage or bind renewal.",
      "evidence_state": "capability_supported_value_hypothesis",
      "source_ids": [
        "bls",
        "applied-epic",
        "ams360",
        "repo-metabase"
      ],
      "current_software": [
        "Applied Epic",
        "Vertafore AMS360"
      ],
      "github_modules": [
        "metabase/metabase",
        "activepieces/activepieces"
      ],
      "baseline_required": "Matched renewal volume, on-time completion, exception/rework rate, human minutes including producer review, actual spend and operator cost.",
      "metric": "Human minutes per on-time, producer-approved renewal packet; missed deadlines, exceptions and rework",
      "falsifier": "Reject if stale or incomplete records suppress a renewal exception, a recommendation is presented as fact, or producer review does not reduce net effort.",
      "human_authority": "Licensed producer owns coverage comparison, recommendation and renewal/bind decision; carrier owns underwriting and issuance.",
      "value": {
        "formula_ref": "observed-value-v0.1",
        "currency": "USD",
        "annual_net_cash": null,
        "annual_capacity_hours": null,
        "status": "unmeasured"
      }
    }
  ],
  "sources": [
    {
      "id": "bls",
      "url": "https://www.bls.gov/ooh/sales/insurance-sales-agents.htm",
      "title": "Insurance Sales Agents",
      "publisher": "U.S. Bureau of Labor Statistics",
      "kind": "government_task_inventory",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Occupational duties support task decomposition; they are not an agency automation forecast or baseline."
    },
    {
      "id": "iiaba",
      "url": "https://www.independentagent.com/",
      "title": "Independent Insurance Agents & Brokers of America",
      "publisher": "IIABA",
      "kind": "industry_authority",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Industry-body context for independent agencies; does not measure adoption or savings."
    },
    {
      "id": "applied-epic",
      "url": "https://www.appliedsystems.com/en-us/solutions/agency-management/",
      "title": "Agency Management Software",
      "publisher": "Applied Systems",
      "kind": "vendor",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Vendor-advertised capability evidence only; no installed-base or outcome claim. Parent independent recheck later on 2026-09-05 returned HTTP 521; the original lane observation is retained, but current retrieval was not independently reverified.",
      "independent_recheck": {
        "as_of": "2026-09-05",
        "http_status": 521,
        "status": "not_independently_retrievable"
      }
    },
    {
      "id": "ams360",
      "url": "https://www.vertafore.com/products/ams360",
      "title": "AMS360 agency management system",
      "publisher": "Vertafore",
      "kind": "vendor",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Vendor-advertised capability evidence only; no quote, adoption or outcome claim."
    },
    {
      "id": "repo-surveyjs",
      "url": "https://github.com/surveyjs/survey-library",
      "title": "surveyjs/survey-library",
      "publisher": "SurveyJS",
      "kind": "official_repository",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Upstream documentation supports form capability; revision and deployment qualification remain unverified."
    },
    {
      "id": "repo-activepieces",
      "url": "https://github.com/activepieces/activepieces",
      "title": "activepieces/activepieces",
      "publisher": "Activepieces",
      "kind": "official_repository",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Upstream documentation supports workflow capability; connector rights and reliability remain unverified."
    },
    {
      "id": "repo-metabase",
      "url": "https://github.com/metabase/metabase",
      "title": "metabase/metabase",
      "publisher": "Metabase",
      "kind": "official_repository",
      "accessed_at": "2026-09-05",
      "retrieval_status": 200,
      "note": "Upstream documentation supports read-oriented analytics capability; edition, permissions and metric qualification remain unverified."
    }
  ],
  "value_model_ref": "../economics/observed-value-model.json",
  "observed_business_value": {
    "currency": "USD",
    "annual_net_cash": null,
    "annual_capacity_hours": null,
    "eligible_businesses": null,
    "societal_value": null,
    "status": "unmeasured",
    "reason": "No agency baseline, invoices, achieved automation rate, review/rework measurement, operating cost, realized cash savings or eligible-population measurement was verified. Null is not zero."
  },
  "pilot": {
    "design": "Within one authorized independent agency, compare matched redacted or synthetic submissions, service requests, certificates and renewals under the incumbent and supervised candidate workflows. Pre-register authority boundaries and rollback conditions before live data.",
    "record": [
      "units processed",
      "baseline human minutes",
      "assisted human minutes including review and rework",
      "critical data/authority/privacy errors",
      "actual cancelled spend",
      "recurring operating cost",
      "implementation and rollback cost"
    ],
    "reject_if": [
      "Human effort including review and rework is not lower than the matched baseline.",
      "Any policy, client or carrier data crosses an unauthorized boundary or an unapproved external write occurs.",
      "A draft, reminder or extracted field is treated as a coverage decision, bind, claim decision or carrier acceptance.",
      "Measured first-year net cash is not positive for a cash-savings offer; capacity gains alone are not cash."
    ]
  },
  "limitations": [
    "This is not insurance, legal, underwriting, claims or financial advice, product admission or an industry-wide value forecast.",
    "Independent-agency software adoption, prices, carrier acceptance and realized savings were not verified; named offerings are not assumed installed.",
    "Carrier-versus-agency authority, producer licensing, state rules, privacy/security, accessibility and retention need agency-specific review.",
    "No generic repository is treated as a replacement for an agency-management system, policy system of record or carrier portal.",
    "Applied Systems agency-management URL returned HTTP 521 on the independent parent recheck; do not infer fresh capability or availability from that failure."
  ]
}