MGT Becomes First Insurance Carrier to Launch ChatGPT Quoting for Independent Agents

MGT has launched its AI quoting assistant, Aimee, within the ChatGPT app directory, allowing independent agents to generate commercial P&C quotes using natural language. This integration aims to eliminate the administrative burden of traditional carrier portals, enabling brokers to secure coverage for small businesses without leaving their primary AI workflows.

What was announced

MGT, which identifies as an AI-native neo-insurer, has made its quoting assistant available to its nearly 15,000 appointed agents through the ChatGPT interface. This move marks the first instance of a carrier providing agentic quoting capabilities directly within the ChatGPT platform. The assistant, named Aimee, has been active on the company's own website since 2025, where it has managed over $83 billion in quoted Total Insured Value (TIV).

The tool is currently available for MGT’s Business Owner’s Policy (BOP). It functions by allowing agents to describe a business in plain language rather than navigating complex forms or re-keying data. Aimee provides an immediate answer on underwriting appetite and generates a transparent, reviewable quote. According to the company, the system is designed to "show its work," explaining the assumptions made during the quoting process and asking for clarification when data is missing rather than making guesses. This approach is intended to maintain the same underwriting standards applied by the company’s human team while significantly reducing the time required to move from an initial inquiry to a formal quote. Agencies already appointed with the carrier can connect the assistant immediately within the ChatGPT directory.

"We are thrilled to open up our MCP so brokers can quote where they already work. They don’t need another form or another login. They need time back for their clients."

Graham Topol, Co-Founder and Co-CEO of MGT

The companies involved

MGT is a commercial P&C neo-insurer that has built its technology stack to be AI-native from the ground up. The company focuses on the small-business insurance sector, a market that has traditionally been characterized by high-friction processes involving manual data entry and lengthy email chains between brokers and underwriters. By positioning itself as a technology-first carrier, MGT aims to modernize the relationship between carriers and independent agents.

The firm is led by Co-Founder and Co-CEO Graham Topol and Head of Insurance Product & Underwriting Niall Fitzgerald. MGT’s infrastructure, referred to as its MCP, is designed for rapid deployment of digital tools, a capability the firm claims allowed for the ChatGPT integration to be completed in weeks. MGT operates in the competitive commercial lines space, competing with both traditional incumbents and other digital-first MGAs and carriers by emphasizing ease of use and speed in the distribution channel. The company’s strategy centers on meeting agents in the digital tools they already use, rather than requiring them to adapt to proprietary carrier interfaces.

What FF News has reported before

FF News has closely tracked MGT’s growth and leadership expansion over the past year. In October 2026, the company appointed Joe Magdovitz as Head of Finance, bringing experience from Vouch to help scale the neo-insurer. This followed a significant move in September 2026, when MGT expanded its small business coverage into California, a market several other carriers were exiting at the time. Earlier in the year, the firm strengthened its leadership team by hiring Jack Ramsey as VP of Revenue, who previously held an executive role at NEXT Insurance.

What this means from an insurtech perspective

This announcement signals a shift in insurance distribution from "agent portals" to "agent environments." For years, carriers have forced brokers to adapt to proprietary UIs; MGT is reversing this by embedding underwriting logic where agents already spend their time. This puts immense pressure on incumbent carriers saddled with legacy core systems that cannot easily expose underwriting APIs to third-party AI agents. From a risk perspective, the "show your work" feature is a necessary evolution in AI underwriting, addressing the "black box" concerns that often hinder customer trust and regulatory compliance in automated commercial lines pricing and distribution.