Fuse Launches Mark, AI-Powered Submission Intelligence for Commercial Insurance
NEW YORK — April 28, 2026 — Fuse, the AI intelligence platform for commercial insurance, today launched Mark, a new product that scores any commercial insurance submission against live market data across five dimensions in seconds. Mark gives brokers a pre-flight stress test before submissions go to market and gives carriers an independent evaluation layer when packages arrive on the underwriting desk.
Commercial insurance submissions are the single largest source of information asymmetry in the industry. Brokers send packages to multiple carriers and wait days to learn which markets engaged. Carriers receive thousands of submissions each week with no systematic way to score them against current market conditions. Both sides operate on incomplete information, and the friction shows up in declined submissions, mispriced renewals, and coverage gaps that surface only at claim.
Mark closes that gap. Brokers upload any submission package — ACORD forms, vehicle schedules, loss runs, supplemental questionnaires, declarations pages, or any combination of PDFs, DOCX, XLSX, and image files — and Mark extracts every field, builds a five-stage scorecard, and shows what the carrier is going to see when the submission lands.
“The submission process is the single biggest information asymmetry in commercial insurance,” said 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.”
HOW MARK WORKS
Mark evaluates each submission across five dimensions. Each stage runs against the live Fuse data engine — hundreds of AI agents continuously synthesizing carrier appetite signals, rate filings, peril events, litigation trends, telematics norms, and producer compliance data across all 50 states.
S1 – Market Environment. Which carriers in the submission’s appetite zone are still writing the class, line, and venue. Which exited last quarter. Where the surplus lines flow is moving.
S2 – Peril Concentration. Exposure to active peril events, CAT zones, nuclear verdict trends, and litigation funder activity in the operating territory.
S3 – Coverage Adequacy. Limits, deductibles, and sublimits compared to current market norms for comparable risks. Flags where the program structure will draw underwriter attention.
S4 – Rate Benchmark. Expected market pricing for the profile, derived from filed rates, carrier-specific loss costs, and live submission outcomes across the platform.
S5 – Submission Quality. Completeness, internal consistency, and underwriter-friendliness of the package itself — the parts of the submission a senior underwriter would flag before quoting.
THE DATA ENGINE BEHIND MARK
Mark runs on the Fuse data engine: hundreds of AI agents pulling continuously from 50+ live data sources including SERFF rate filings, NAIC carrier financials, USDA Risk Management Agency data, FMCSA carrier safety records, NCCI loss costs, FEMA peril events, BLS economic indicators, and Lloyd’s market data. Every signal is insurance-tagged, geographically resolved, and refreshed on rolling intervals as short as ten minutes.
AVAILABILITY
Mark is live today on the Fuse platform. Brokers can test Mark with a 14-day free trial; ongoing access is included with the Fuse Professional and Enterprise tiers. Enterprise customers receive Mark alongside the full Fuse platform including Pulse compliance and Prism programmable agents. Mark accepts any file type — PDF, DOCX, XLSX, ACORD forms, declarations pages, loss runs, and images. Submissions can be uploaded individually or batched for portfolio-level scoring.
More information at fuserisk.com/mark.
ABOUT FUSE
Fuse is the AI intelligence platform for commercial insurance, serving brokers, agents, MGAs, fronting carriers, and reinsurers. The Fuse data engine continuously synthesizes 50+ live data sources across all 50 states into actionable intelligence for every commercial insurance distribution decision. Fuse is backed by 25+ insurance industry investors. Learn more at fuserisk.com.
