Fudge Insurance cut renewal time by 93% and freed a quarter of an AM’s week

The Challenge

Fudge Insurance - a top-10% independent agency nationwide - was drowning in manual renewal work. Re-shopping a single policy meant logging into multiple carrier portals, re-keying data, and grinding through over an hour of repetitive steps that ate into account managers’ time and capped growth.  

• 75 minutes per policy - 15 minutes per carrier to quote, another 10 minutes for application
• High effort, low yield - 60% of clients stayed with their current carrier, but still expected a market check.
• No comparative rater - Agents had to log into each carrier portal manually.

The result? Account managers were stretched thin, renewal volume was limited, and growth potential was being left on the table.

“Renewals always pile up in our backlog, but Florida’s market meant we had to re-shop to give clients the service they deserved.”

- Lori Rodriguez, VP (Sales)

The Solution

Working with David Davis (CTO) and Lori Rodriguez (VP, Sales), we found success came down to two key pieces:

1. Giving Kay the right context - Fudge had plenty of data in Salesforce plus third-party property information - but Lori also had years of unwritten rules, especially around critical rating variables like occupancy type and rental use. We sat with Lori and downloaded Lori’s brain into clear instructions so Kay could quote exactly like a Fudge AM.
2. Making it dead simple to use - We integrated Kay with Salesforce and email, allowing agents to simply forward a renewal and receive both quote PDFs and a comparison table. Now, Kay logs into each carrier portal, pre-fills fields, applies sensible defaults, and flags anything unusual - no extra clicks, no new tools, just ready-to-send quotes.

“Kay’s Coworker once picked the correct selection for screen enclosure coverage - something even we missed! Kay’s team truly understands insurance and the accuracy requirements like no other AI vendor out there.”

- David Davis, CTO

The Impact

Today, Kay is live with five of Fudge’s top carriers for Home and Dwelling policies. We started with a subset of monthly renewals, and the results were immediate:

• Renewal slog eliminated: 75 minutes per policy shrank to 5. In ten weeks, that’s 71 hours saved - about two full weeks of work.
• Pointless reshops skipped: Kay does the grunt work, saving another 30 hours, while still giving clients the best price
• One AM works like two: Kay does the heavy lifting on each renewal so the account manager just reviews and hits send.
• Scalable growth: Fudge is set to double its renewal processing via Kay without hiring more staff.

"We’re doubling the number of reshops we send daily without burning out our team. Kay not only runs the quotes, but also shows us when it’s not worth re-shopping. That confidence has been a game-changer. We’re excited to bring Kay into our new business quoting"
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- Doug Fudge, President