Mulligan

Mulligan identified a critical bottleneck in commercial insurance brokerages: manual quote generation and policy administration consumed 60-70% of broker staff time, yet generated zero revenue. Mid-market brokers with 10-50 employees experienced this most acutely—too large to operate manually, too small to afford custom enterprise software. The problem was immediately measurable: brokers tracked billable hours lost to administrative work and could quantify proposal turnaround times measured in days rather than hours. Existing alternatives were limited. Brokers either hired more staff (expensive and difficult in tight labor markets), used fragmented legacy systems requiring manual data entry between platforms, or outsourced to offshore teams (quality and relationship concerns). Early validation came when pilot brokers reported 90% automation of routine quoting tasks and 40% faster client response times within weeks. Brokers voluntarily extended pilots and began referring competitors, signaling genuine pain relief rather than incremental improvement.