Layerup

Layerup is a layer separation tool. Layerup sells long-horizon background AI agents for insurance and financial services. Agents complete claims, underwriting, lending, and compliance workflows end to end inside existing systems, with audit logs, approval gates, and exception handling for governance.

Layerup is an agentic AI operating system built specifically for insurance and financial services. Rather than offering a chatbot or a copilot that suggests a next step, it deploys long-horizon background agents that run uninterrupted for hours or days and complete work inside the systems a company already uses. The stated goal is autonomous operations that remain governed by the enterprise, with audit logs, reasoning visibility, approval controls, and exception handling wrapped around every run. The coverage is broad by design. Layerup lists sixteen lines of business, spanning auto, property, travel, life, health, health plans, stop loss, commercial, workers' comp, cyber, specialty and E&S, mortgage insurance, consumer lending, cards and payments, deposits and banking, and mortgage lending. Each line breaks into concrete workflows. On auto, for example, the platform names six claims workflows (first notice of loss and intake, coverage verification, fraud flagging, subrogation detection, estimate QA, settlement support) and five underwriting workflows (submission intake, document extraction, risk summarization, eligibility screening, quote preparation). In practice an agent takes a case from intake through decision. It extracts and classifies documents, verifies details against systems of record, chases missing information, reasons over evidence and risk, and drafts the rationale behind a decision, then hands over an approval packet. The human step is approval; the agent writes results back to the source systems. Layerup frames this as replacing a chain of handoffs spread over days with parallel execution finished in minutes, and positions itself against manual processing and BPO escalation rather than against general-purpose analytics tools. The target buyer is an operations or transformation leader at a carrier, financial institution, TPA, or lender who is measured on cycle time, cost per claim, loss adjustment expense, leakage, fraud detection yield, reserve accuracy, and SLA attainment. The recommended path is to start with a single workflow, prove the improvement, then expand across functions and lines of business.