Fuse, an AI market intelligence company focused on commercial insurance, has launched Fuse Terminal, a workspace built to give insurance professionals access to market data, analysis and source filing material through one interface.
The company developed Terminal over two years. Fuse describes it as a terminal-style workspace for assessing commercial insurance markets, replacing workflows that often spread across filing databases, rating tools, catastrophe data, spreadsheets and internal communication channels.
Commercial insurance teams often assemble a current view of a risk by pulling information from several systems. That process gets messy fast. Fuse Terminal puts those sources of analysis into one environment, according to Beinsure.
Users start by choosing a subject, such as a carrier, line of business, state or peril. They also combine several criteria. Fuse said Terminal then adjusts 43 intelligence panels across nine analytical areas to match the selected subject.
The panels cover rate-filing activity, loss-cost multipliers, policy form changes, carrier appetite, peril exposure and statutory performance. Terminal also includes a composite pressure measure based on eight market indicators.
One of the platform’s main features is ASK, an AI analyst that lets users enter natural-language questions from the command line. A prompt such as How hard is Texas GL right now? asks the system to assess current market conditions.
According to Fuse, ASK builds responses through live searches across rate filings, historical rate information and carrier financial data. It also points users to relevant Terminal panels when they want to review the supporting information.
Terminal also includes DOCS, a search and analysis tool for the source documents behind insurance filings. Those records include actuarial memoranda, rate and rule exhibits, policy forms and correspondence between insurers and regulators.
Fuse said DOCS returns relevant passages and identifies the carrier and source document. The design gives users a path back to the original filing material instead of forcing them to rely 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
Sean Bourgeois, founder and 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,” he said.
Fuse designed Terminal for keyboard-based navigation. Its command layer gives users short codes for functions and panels, including CINF PRES for composite pressure information on a carrier and GL TX SCAN for screening the Texas general liability market.
The SCAN function lets users assess more than 400,000 combinations of carrier, line of business and state. Fuse applies eight market indicators to those combinations, giving users a way to spot market areas that need closer review.
Terminal also supports monitoring and alerts. Users save workspaces with multiple subjects and view them as live grids. Individual metrics trigger alerts through Wire, Fuse’s messaging service, or by email.
For market selection and renewal analysis, Fuse added a comparison function that places two subjects side by side with shared analytical measures. Users also export data from individual panels to XLSX or PDF.
Fuse said it offers refreshable spreadsheet exports for teams that feed the information into their own analytical models. That matters for insurers and brokers with pricing files already living in Excel, because old habits don’t vanish.
The platform displays data currency inside each panel. Fuse identifies update frequency and coverage for each dataset, with live information labelled as live and other datasets showing their freshness.
The company said this structure separates current market signals from information updated less recently. According to Beinsure analysts, that distinction matters in commercial insurance, where a stale rate filing, form change or hazard signal changes the view of market pressure.
Some hazard feeds refresh in as little as 90 seconds. Market-implied probability information updates every 30 minutes. Its composite pressure measure covers more than 400,000 market cells and ranks them continuously according to recent changes.
The company also launched an API with Terminal for developers. Fuse said the API starts with 65 documented endpoints generated from a central registry.
Those endpoints cover ASK and DOCS, subject identification, market screening and passage-level searches of insurance documents. Developers get access to the full API functionality through the sandbox, without individual features being restricted.
