On this episode of FNO: InsureTech, Rob Beller sat down with Kyle Geoghan, Co-Founder and CEO of Indemn, for an in-depth look at how generative AI is moving from buzzword to real-world application in insurance.

Kyle shares his journey from growing up in a Long Island family agency, to digital innovation at CoverWallet, and ultimately to launching Indemn in 2021. He walks through Indemn’s early days as an MGA for event insurance with Markel, where nearly 95% of its direct-to-consumer operations ran through AI agents, and how the company is now pivoting to focus fully on its SaaS platform for carriers, MGAs, and broker networks.

Listeners gain a data-driven perspective on how Indemn’s technology automates quoting, underwriting, certificate generation, and broker support. Kyle also highlights broker portal workflows, showing how AI reduces underwriter and CSR workloads by 30 to 40 percent while improving speed and accuracy.

The conversation explores the pace of industry adoption, with Kyle noting how consumer trust in AI workflows is growing steadily, and how brokers are increasingly embracing embedded AI support once they see tangible efficiency gains. He also identifies late 2022 and 2025 as critical inflection points, with the latter set to mark a year of meaningful scaling in generative AI deployment across the sector.

By the end of this episode, listeners will walk away with a clear view of how Indemn is shaping the next phase of insurance technology and why generative AI is poised to become a practical force in everyday insurance operations.