Firehorse CRE Insurance Agent

INSURANCE AGENT

CRE ACORD validation and policy review, made faster, easier, more accurate.

Firehorse validates ACORD certificates, ingests the full policy behind them, and matches every policy to the correct loan and property across your portfolio — including blanket policies that span dozens of properties.

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thE status quo

Your team is stitching together 6+ apps to do one job.

Before Firehorse, validating a single ACORD certificate used to take 90 minutes, from extracting the ACORD from an inbound email to writing the follow-up email. It involved 1 to 3 people, multiple systems, and manual data transfer at every step.

Blanket policies make it worse. One policy can cover dozens of properties, and someone has to work through the schedule of locations by hand to figure out which loans it actually touches. A property with no policy on file, or a policy with no loan tied to it, doesn't surface until an audit or a claim.

90 mins.

per ACORD document

1-3

People per review

Apps in the workflow

Manual

Tracking at every step

Outlook. Excel. Your document management system. Your database. None of them own the workflow. Your team does manually.

the firehorse agent

One Agent. The entire workflow.

Sorts and classifies incoming ACORDs and full policy documents

Extracts structured data at 99% validated accuracy

Matches every policy to the correct loan and property, including blanket policies spanning multiple properties

Flags orphaned policies and uncovered properties automatically

Applies Freddie Mac and Fannie Mae compliance rules

Returns a clear yes/no compliance determination

Triggers event-driven communications

Updates your system of record

Generates reports for internal and external stakeholders

80%+

efficiency gains in ACORD 25 and 28 validation

Down from 90 minutes per document with manual review to just 5-20 minutes.

Beyond the certificate

A certificate summarizes coverage. The policy is the coverage.

ACORD certificates are a snapshot. The actual policy is the contract — exclusions, sublimits, endorsements, and the schedule of covered locations all live there, not on the cert. Insurance Agent ingests the full policy document directly and ties it to every loan and property it actually covers.

Full policy ingestion

Not just ACORD 25/28 certificates. Firehorse Insurance Agent reads the complete policy: declarations, forms, endorsements, and schedules of locations.

Accurate loan and property matching

Every policy is matched to the correct loan and property by cross-referencing named insureds, covered locations, and loan records. No manual reconciliation.

Blanket and multi-property policies, handled

One policy covering 50 properties. One property covered by three policies. The Punch Card Database was built for exactly this many-to-many relationship — now it's live in the matching workflow, not just the data model.

Mismatches surfaced, not buried

A property with no matching policy. A policy with no matching loan. Flagged automatically instead of found at audit or claim time.

Built for precision

Not a prompt-engineering exercise.

Data Lathe

99% validated accuracy

on ACORD 25 and 28 structured fields

99% validated accuracy on ACORD 25 and 28 structured fields. Purpose-built extraction engine for structured forms, tables, and checkboxes. Separate unstructured lathe handles prose passages at 99% accuracy.

Punch Card Database

Many-to-many data model

for loans, properties, ACORDs, and policies

Traditional one-to-many schemas break under CRE insurance compliance — one policy can cover dozens of properties, one property can carry several policies. The Punch Card Database is built for that real relationship structure, and now drives direct policy-to-loan-to-property matching, not just storage.

Alethiometer

Binary compliance output

yes or no auditable and defensible

Binary compliance output — yes or no, auditable and defensible. Compliance is binary. The Alethiometer applies Freddie Mac and Fannie Mae guidelines and returns a clear, auditable determination. No ambiguity.

"Firehorse fundamentally transforms insurance compliance by condensing hours of manual review into minutes while dramatically improving accuracy through built-in quality controls—it's the kind of technology that redefines what's possible in our industry."

Director ‑ Asset Management ‑ Insurance Servicing

See it work on your documents.

After a demo, we can also offer a free sandbox environment populated with your data. Bring a blanket policy — we'll show you exactly which properties and loans it covers, automatically.

Request a Demo

See it work on your documents.

After a demo, we can also offer a free sandbox environment populated with your data.

Request a Demo

See it work on your documents.

After a demo, we can also offer a free sandbox environment populated with your data.

Request a Demo