From submission to bind—automated, accurate, at enterprise scale

One platform connecting brokers, carriers, and distributors across the full commercial insurance workflow

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What to expect from us
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Market intelligence
ClauseLink™ policy checking
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Market intelligence
ClauseLink™ policy checking
Smart upload
Quote comparison
Integrated bind
CMS/AMS integrations
Quote comparison
Integrated bind
CMS/AMS integrations
Quote comparison
Integrated bind
CMS/AMS integrations
Quote comparison
Integrated bind
CMS/AMS integrations

Platform & Technology

The architecture of digital commercial insurance: universal, integrated,
and AI-powered

Our zero-disruption integration with partners’ core systems delivers the scalable AI and data intelligence needed to compete in the digital era.

Solutions For Carrier-Owned Distributors

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Platform & Technology

The architecture of digital commercial insurance: universal, integrated,
and AI-powered

Universal Submission flow

Leveraging our unique market position, we’ve solved the workflow bottleneck between the insured → broker → carrier → and back again. It’s the most sophisticated, end-to-end submission lifecycle platform in the market, resulting in less rework, higher yield, and better market access.

Insurance Intelligence platform

Achieve growth goals by leveraging the leading AI-powered underwriting edge in Bold Penguin’s Data and AI platforms, SubmissionLink® and ClauseLink ™.

Market intelligence

Gain strategic, real-time visibility into market appetite and risk quality at the top of the funnel. Place business that is best for underwriting appetites and where you want to grow.

Cross sell

Ensure maximum retention and total account coverage across your entire distribution channel by intelligently identifying missed opportunities within existing books of business.

Integrated bind

Cut the expense ratio and reduce submission-to-bind time from days to minutes through AI-powered automation.

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Explore Our Office Locations

For specific inquiries, please reach out to our contact representatives at each of our headquarters locations.

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David Lee
Innovation & Research Lead

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Hannah Becker
Client Engagement Lead

Platform & Technology

The architecture of digital commercial insurance: universal, integrated, and AI-powered

Streamline processes via a
Universal Submission flow
Improve underwriting profit & speed to market with our Insurance Intelligence platform
Unlock new opportunities through cross sell capabilities
Secure new distribution & revenue streams while leveraging market intelligence
Drive profitable growth & radical efficiency via integrated bind
ClauseLink™ policy checking

Solutions

Connecting brokers, agents, carriers, and MGAs through a unified flow — from prospecting to placement

With Bold Penguin, you can unleash the power of a fully digital commercial experience that seamlessly assesses and places risk that’s right for your appetite and where you want to grow.

Book a call
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Platform & Technology

The architecture of digital commercial insurance: universal, integrated,
and AI-powered

Universal Submission flow

Leveraging our unique market position, we’ve solved the workflow bottleneck between the insured → broker → carrier → and back again. It’s the most sophisticated, end-to-end submission lifecycle platform in the market, resulting in less rework, higher yield, and better market access.

Insurance Intelligence platform

Achieve growth goals by leveraging the leading AI-powered underwriting edge in Bold Penguin’s Data and AI platforms, SubmissionLink® and ClauseLink ™.

Market intelligence

Gain strategic, real-time visibility into market appetite and risk quality at the top of the funnel. Place business that is best for underwriting appetites and where you want to grow.

Cross sell

Ensure maximum retention and total account coverage across your entire distribution channel by intelligently identifying missed opportunities within existing books of business.

Integrated bind

Cut the expense ratio and reduce submission-to-bind time from days to minutes through AI-powered automation.
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Talk to our experts

Ready to explore this service in detail? 

Connect with Modulabs and define your measurable next step.

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Why partner with Bold Penguin

We don’t just execute projects—we transform complexity into clarity.
Strategic clarity
Direct access
Tailored advice
Tailored advice

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We design modular consulting systems that turn risks into results, insights into action, and strategies into growth

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Here are just a few of our 40+ carrier partners

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With Modulabs, every plan becomes measurable, every decision trackable, every outcome transparent

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Modulabs team is skilled at turning challenges into clear solutions through expertise and collaboration.

John Kowalski
CEO & Co-Founder
Emily Carter
Co-Founder & COO
Jessica Mercedes
Director of Data Systems
Alex Thompson
Head of Strategy
Hannah Becker
Client Engagement Lead
David Lee
Innovation & Research Lead

Proof in practice

Measurable results with clarity built into every project.
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Proof in practice

Measurable results with clarity built into every project.
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Proof in practice

Measurable results with clarity built into every project.

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