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Direct to Consumer

SMBs researching commercial insurance engage through a conversational agent that understands their business, finds the right carriers, and takes them from research to bindable quote.

Conversational Flow to Quote​

The D2C flow operates across two phases — Shape Demand and Capture Demand — with two parallel channels.

Agentic Channel​

The conversational agent guides the user through the full pipeline:

  1. User Research — SMB begins researching commercial insurance
  2. Conversational Intake — agent collects business context through natural dialogue
  3. Enrich Business — business data enriched from 50+ sources
  4. Market Intelligence — carrier appetite scored against enriched profile
  5. Best Carriers (decision point) — orchestrator selects optimal carriers
  6. Build Application — auto-fill application from enriched data
  7. Multi-Carrier Quote — submit to selected carriers simultaneously
  8. Compare & Bind — side-by-side quote comparison and bind
Transfer at Any Step

The user can transfer into the existing Bold Penguin web flow via Application Reference at any step in the agentic pipeline.

Web Channel​

For users who already know what product they need — they enter directly into the standard Bold Penguin quoting experience. Same Partner Engine, same carrier network, D2C web quote, and agent handoff.

What the Agent Does Behind the Scenes​

flowchart LR A["Name + Address"] --> B["Verify and Enrich"] B --> C["Score Appetite"] C --> D{"Select Carriers"} D --> E["Auto-Fill App"] E --> F["Validate"] F --> G["Submit to Carriers"] G --> H["Compare Quotes"] H --> I["Bind or Handoff"] style A fill:#f0fdfa,stroke:#99f6e4,color:#0d9488 style B fill:#eff6ff,stroke:#bfdbfe,color:#2563eb style C fill:#f5f3ff,stroke:#ddd6fe,color:#7c3aed style D fill:#fffbeb,stroke:#fde68a,color:#92400e style E fill:#eff6ff,stroke:#bfdbfe,color:#2563eb style F fill:#fff7ed,stroke:#fed7aa,color:#ea580c style G fill:#ecfdf5,stroke:#a7f3d0,color:#059669 style H fill:#ecfdf5,stroke:#a7f3d0,color:#059669 style I fill:#f97316,stroke:#ea580c,color:#fff

Legend: 🟢 Input → 🔵 Enrichment → 🟣 Intelligence → 🟠 Validation → 🟩 Quote → 🔶 Outcome