Fuse, an AI-powered market intelligence company focused on commercial insurance, has launched Fuse Terminal, a new workspace designed to give insurance professionals access to market intelligence, analysis and underlying filing information through a single interface.
Terminal has been developed over two years to provide a more consolidated way of assessing the commercial insurance market. The company describes the platform as a terminal-style workspace, bringing together information that would traditionally require users to consult several separate systems, databases and internal sources.
The company said commercial insurance professionals have often had to combine data from filings databases, rating systems, catastrophe information, spreadsheets and messaging platforms to build a current picture of a particular risk. Fuse Terminal is designed to bring those sources of analysis into one environment.
Users can begin by selecting a subject, such as a carrier, line of business, state or peril, or by combining several of these criteria. Fuse said the platform then adjusts 43 intelligence panels across nine analytical areas to reflect the selected subject. The panels cover areas including rate-filing activity, loss-cost multipliers, changes to policy forms, carrier appetite, peril exposure, statutory performance and a composite pressure measure based on eight market indicators.
Fuse said one of Terminal’s principal features is ASK, an AI-powered analyst that allows users to submit questions in natural language from the platform’s command line. A question such as “How hard is Texas GL right now?” can be used to request an assessment of current market conditions. According to Fuse, ASK generates its responses using live searches across rate filings, historical rate information and carrier financial data, while also identifying relevant Terminal panels for users who want to examine the underlying information further.
The platform also includes DOCS, which Fuse has developed to search and analyse the source documents behind insurance filings. These can include actuarial memoranda, rate and rule exhibits, policy forms and correspondence between insurers and regulators. Fuse said DOCS returns relevant passages from those documents and identifies both the carrier and the source document, allowing users to examine the original filing material rather than relying solely on a summary.
“Bloomberg gave capital markets a shared, instrument-level record and a terminal to read it with. Commercial insurance never had that record — so we spent two years building it, and then we put a terminal on top,” added Sean Bourgeois, Founder & CEO of Fuse. “Terminal is the whole platform on one screen. You load a subject, you see everything we know about it, and now you can simply ask it questions — the answer comes back written from the filings themselves. For the first time, this market can watch itself move.”
Terminal has been designed to support keyboard-based navigation. Its command layer gives users short codes for accessing individual functions and panels, including CINF PRES , which provides composite pressure information for a carrier, and GL TX SCAN , which is used to screen the Texas general liability market.
The SCAN function allows users to assess more than 400,000 combinations of carrier, line of business and state, with Fuse applying eight separate market indicators to the available combinations. The company said this is intended to help users identify areas of the market that warrant closer attention.
Terminal also provides monitoring and alert capabilities. Fuse said users can save workspaces containing multiple subjects and view them as live grids. Individual metrics can be configured to trigger alerts, which can be sent through Wire, Fuse’s messaging service, or by email.
For users comparing potential markets or renewal options, Fuse has included a comparison function that places two subjects alongside one another using common analytical measures. Data from individual Terminal panels can also be exported to XLSX or PDF. Fuse said refreshable spreadsheet exports are available for users who incorporate the information into their own analytical models.
Data currency is displayed within the platform, with Fuse identifying the update frequency and coverage associated with each panel. The company said live information is labelled accordingly, while other datasets show their respective freshness. Fuse has said that it applies this approach to distinguish between current market information and data that may have been updated less recently.
Fuse noted that some hazard feeds can be refreshed in as little as 90 seconds, while market-implied probability information is updated every 30 minutes. The company’s composite pressure measure covers more than 400,000 market cells and is continuously ranked according to recent changes.
The company has launched an API alongside Terminal, providing access to the platform’s functionality for developers. Fuse said the API initially includes 65 documented endpoints generated from a central registry, covering features such as ASK and DOCS, subject identification, market screening and passage-level searches of insurance documents.
Fuse stated that developers can access the complete API functionality through its sandbox without individual features being restricted. Usage is instead subject to volume limits, allowing developers to assess the API before entering into a commercial agreement. Production API access is available through Fuse’s Enterprise plans.
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