Tiber River Consulting is a technology consulting firm that designs, builds, and governs AI systems that run entirely on hardware you control. Your documents stay with you. Every answer shows its source. Every decision leaves a record. Starting with commercial insurance: our flagship compares policy renewals and produces a source-cited worklist for agency review.
Commercial policy renewals can span hundreds of pages, and material changes hide in forms, endorsements, schedules, exclusions, limits, and deductibles. Private Policy Renewal Review compares the expiring policy against the renewal documents your carrier provides, at either stage: the pre-bind renewal proposal with its supporting forms, or the issued renewal policy. Your account team receives a cited worklist of identified changes and items requiring human review, each finding pointing to the exact source page and wording in both documents.
What it compares: forms and endorsements added, removed, or changed to a new edition; limits and sublimits; deductibles; named insureds; locations and schedules; key dates; coinsurance and valuation provisions; and wording changes, which are flagged for professional review. The system does not interpret coverage and makes no recommendations. Your licensed team determines what each change means and what to advise the client.
The review runs on a small appliance your agency controls. Client policies are never uploaded and never leave your custody: not to the cloud, not to us, not to anyone.
Every finding cites the exact page and the policy's own wording, shown side by side. If it isn't on the page, it isn't in the report.
A blurry scan, an unreadable page, or uncertain content is escalated for human attention rather than quietly skipped or filled in with an assumption.
Every review leaves a complete, tamper-evident record of what was compared, what was found, who reviewed it, and what they decided. Our controls, testing, and documentation are informed by insurance regulatory guidance, including the NAIC's model bulletin on artificial intelligence and Maryland's Bulletin 24-11. The full record is ready for your E&O carrier or an examiner on request.
Become a Founding Agency. We are inviting a small number of Maryland independent agencies to shape this service before general release: a free 90-day pilot built around last year's renewals, run on our appliance in your office. Your client files never leave your building, even during the pilot.
Ask about the pilotWe build working systems, not slide decks. Our practice is grounded in a simple belief: the businesses with the most to gain from AI are the ones that can least afford to send their data to someone else's computer.
We design and build AI that runs on hardware you own, tuned to your documents and your workflows. No subscriptions to a distant platform, no client data in transit, and full ownership of the result.
If a regulator, auditor, or carrier asked how your AI works, could you answer? We build the testing, documentation, and evidence trails that let you say yes, and prove it.
Honest counsel on where AI genuinely helps your business, where it doesn't, and what to build first. We tell you when the right answer is a simpler tool, because it often is.
Independent agencies and brokerages live on documents: policies, endorsements, schedules, quotes. We build systems that read them carefully, compare them precisely, and document every step, starting with Private Policy Renewal Review, our commercial policy renewal comparison for Maryland independent agencies.
The same discipline travels: professions built on confidential documents and professional accountability need AI that keeps data in the building and keeps a licensed human in charge. If that describes your firm, we should talk.
Tiber River Consulting is a Maryland technology consulting firm. We are small by design: senior work, done directly, with no hand-offs. Three principles run through everything we build.
We build systems that run on hardware you control. Your documents remain in your custody. Privacy is an architecture, not a policy document.
Every claim we make is measured before it is spoken. Every system we ship can show its work, page and line.
Our systems prepare the work and keep the record. Licensed professionals make the decisions. That line does not move.
Whether you run an independent agency curious about the renewal review, or a firm in a regulated industry weighing what AI should mean for you, the conversation starts with an email.
josh@tiberriverconsulting.com