:quality(75))
Underwriting
Pricing risk on today's data, not last year's manual review
Underwriting still runs on manual submission review, risk appetite checks done by hand, and rating tables that update on a slow cycle. A submission can wait days for a decision an underwriter could make in minutes with the right data in front of them.
AI brings the data to the decision. Models price risk from telematics, claims history, and external data, not only the standard rating factors. Generative AI drafts the risk report and summarizes a submission against your appetite. Agents clear routine submissions and escalate only what needs an underwriter's judgment. Underwriters spend their time on the risk that needs a person, running on infrastructure you control.
5 use cases
Automated underwriting risk scoringAutomated underwriting risk scoring scores each new insurance application and explains it, so your underwriter decides with the reasons in front of them.Personalized rate managementAI personalized rate management estimates each policyholder's risk from individual behavior and context, so actuaries can set rates that track real risk.Policy and endorsement document intelligencePolicy and endorsement document intelligence reads your policy forms and endorsements, then answers coverage questions with a citation to the exact wording.Premium audit validationPremium audit validation with AI: read payroll records, check them against the exposure declared at binding, and send each variance to your premium auditor.Turning broker submissions into clean risk dataAI reads broker submissions, loss runs and prior policies into clean risk data, checks it against your appetite and drafts your underwriter's clearance file.
Start owning your AI