The solution
Malcolm is the robust standard for the AI era. It provides the routing protocol that allows any consumer AI agent to safely communicate with regulated entities.
By sitting securely between the AI runtime and the carrier’s core infrastructure, Malcolm ensures that the AI handles the natural language conversation, but only the carrier’s verified pricing engine can generate the quote and bind the policy. Malcolm strips out the hallucination risk, providing an immutable audit trail that ensures compliance with strict compliance standards.
In using Malcolm, insurers are able to bring their products where their customers want them, compliantly, to unlock the next generation of products, information, and buying experiences.
To mark their launch, the team has also published the
Agent-to-Agent (A2A) Manifesto - a set of core principles defining the new standard for safe, compliant AI distribution.
Key features
Universal agent integration: seamlessly handles intent from any major AI runtime (ChatGPT, Claude, Gemini) or custom Insurtech co-pilots.
Routing engine: intelligently maps unstructured AI requests into strict JSON payloads, routing them to the exact legacy APIs required for Car, Home, Travel, or SME insurance.
Compliance pipeline: a built-in regulatory safety net featuring an immutable audit ledger, behavioural analysis, and hard-coded product guardrails to guarantee fair value and prevent silent mis-selling.
Plug-and-play tooling: Malcolm provides a set of off-the-shelf tools and components that allow you to design your own AI experiences and control the user journey.
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