If this is the scenario, it's no wonder they're underwriting everyone & everything, and can do this competitively, because a broker would need to find either enough new clients and/or efficiencies to justify being the middleman between the customer and the actual insurer. That's typically been the strategy of every financial tech company; I don't see any secret sauce with Corgi beyond "'cause AI!". Move fast and break things is not what I'd want in my insurance company.