# Swept vs Microsoft Copilot Studio

Copilot Studio is Microsoft's toolkit for building your own agents in Microsoft 365 and Power Platform. Swept builds and runs claims and underwriting agents for carriers, and puts them and every other AI tool under one set of guardrails. If you already build internal bots in Studio, you can keep them.

_Reviewed Oct 19, 2026 from 12 public sources._

## The short answer

- **Microsoft Copilot Studio:** Choose it if you have a Power Platform team that wants to build its own agents on Microsoft 365, Dataverse and your connectors, and can test and maintain them over time.
- **Swept:** Choose it if you want claims and underwriting agents built and run for you, and every AI tool your staff use under one set of data rules, spend caps and audit trail.
- **Use both:** If your team already builds internal bots in Studio. Keep them there, and use Swept for carrier-ready agents and for staff use of every approved model.

## Where each one sits

A carrier's AI shows up in four places. Copilot Studio works in one of them: agents, and only the ones your team builds in Microsoft's stack. Swept covers agents too, plus how staff use every approved model and the AI your vendors ship.

## Side by side

| Capability | Swept | Microsoft Copilot Studio |
| --- | --- | --- |
| Approved access to Claude, ChatGPT, Gemini and Copilot | Built in: Through a private gateway | Partly: Agents run on OpenAI or Anthropic models; no Gemini, and no staff chat across tools [6] |
| Policyholder data stopped before it reaches a model | Built in: Checked on every request | Partly: Data policies block connectors and channels; they don't scan prompts [4] |
| Spend caps by person and department | Built in | Partly: Monthly credit limits per agent, capacity assigned by environment [3] |
| Workflow agents for claims and underwriting | Built in: Built and run for you | Built in: Low-code builder; your team designs, builds and maintains each agent [1] |
| Inventory of models and AI use | Built in: Approved tools, agents and vendor AI | Partly: Lists Studio and Agent Builder agents; some fields in preview [8] |
| Mapped to the NAIC Model Bulletin | Built in | Not stated: No NAIC mapping in public materials |
| Audit log of AI activity | Every interaction | Built in: Agent prompts and responses logged in Purview Audit [5] |
| Pricing | Usage-based, with caps by person and department | $200 a month per 25,000 Copilot Credits, or $0.01 per credit pay-as-you-go; some employee use included with Microsoft 365 Copilot [2] |

## What each does well

### Microsoft Copilot Studio

- A low-code builder that business teams can use, with enough depth for professional developers. [1]
- A large library of certified Power Platform connectors, so agents can reach Microsoft 365, Dataverse and many other business systems. [12]
- Admins control connectors, knowledge sources, channels and sign-in from the Power Platform admin center, with Microsoft Entra ID. [4]

### Swept

- The AI tools your people already want, in their native form.
- Policyholder data checked on every request, before it reaches any model.
- Claims and underwriting agents built and run for you, with human sign-off.

## Try one real task: an adjuster drafts a coverage letter from a claim file

**With Microsoft Copilot Studio:** Studio only helps the adjuster if your team has built a claims agent for the task. If it has, data policies limit which systems the agent can reach, and Purview logs the prompt and the response.

**With Swept:** The adjuster uses Claude or ChatGPT through Swept. Policy numbers and health details are caught before the request leaves your environment, and the draft is logged for review.

## Questions carriers ask

### Is Swept a replacement for Copilot Studio?

Usually not. Copilot Studio is a toolkit for building your own agents in Microsoft 365 and Power Platform. Swept builds and runs claims and underwriting agents for you, and puts every approved AI tool under one set of guardrails. Many carriers keep Studio for internal bots.

### We have a Power Platform team. Why not build claims agents ourselves?

You can. Studio gives you the builder, the connectors and the test tools. Your team still designs each agent, sets its data rules, tests it and keeps it working. Swept's claims and underwriting agents come scoped to assist, with human sign-off and an audit log mapped to the NAIC Model Bulletin.

### Can Power Platform data policies do the same data checks?

They control which connectors, knowledge sources and channels an agent can use. They don't read prompts for policyholder data. Purview can keep labeled SharePoint files out of some agent answers. Swept checks every request to every approved model.

## Sources

Public documentation as of Oct 19, 2026. Where something isn't stated, we say so. Microsoft Copilot Studio is a trademark of its owner.

1. [Microsoft Copilot Studio overview](https://learn.microsoft.com/en-us/microsoft-copilot-studio/overview)
2. [Microsoft Copilot Studio licensing guidance](https://www.microsoft.com/licensing/guidance/Microsoft-Copilot-Studio)
3. [Copilot Studio messages and capacity management](https://learn.microsoft.com/en-us/microsoft-copilot-studio/requirements-messages-management)
4. [Configure data policies for agents](https://learn.microsoft.com/en-us/microsoft-copilot-studio/dlp-example-4)
5. [Use Microsoft Purview with Copilot Studio](https://learn.microsoft.com/purview/ai-copilot-studio)
6. [Select a primary AI model for your agent](https://learn.microsoft.com/en-us/microsoft-copilot-studio/authoring-select-agent-model)
7. [Copilot Studio agent evaluation](https://learn.microsoft.com/en-us/microsoft-copilot-studio/analytics-agent-evaluation-intro)
8. [Copilot Studio agent inventory](https://learn.microsoft.com/microsoft-copilot-studio/admin-agent-inventory)
9. [External threat detection for Copilot Studio agents](https://learn.microsoft.com/microsoft-copilot-studio/external-security-provider)
10. [Microsoft SOC 2 Type 2 compliance offering](https://learn.microsoft.com/compliance/regulatory/offering-soc-2)
11. [Copilot Studio geographic data residency](https://learn.microsoft.com/en-us/microsoft-copilot-studio/geo-data-residency)
12. [Microsoft Power Platform celebrates 1,000 certified connectors](https://www.microsoft.com/en-us/power-platform/blog/2023/05/11/microsoft-power-platform-celebrates-1000-certified-connectors/)

## See Swept next to what you run today

→ [Talk to us](/contact)