UnderwriteIQ
Every submission scored for risk and appetite the moment it lands, so underwriters spend their time on the accounts worth writing.
The problem
A commercial lines carrier received submissions faster than its underwriters could triage them. Each one meant opening attachments, rekeying data, and judging appetite by hand before any real analysis began.
Good risks waited in the same queue as poor ones, quotes went out late, and brokers started sending their best business to whichever carrier answered first.
What we built
UnderwriteIQ reads each submission on arrival, scores it for risk, checks it against the carrier appetite, and proposes pricing with the reasoning attached. The underwriter opens an account that is already triaged, not a blank file.
- •Intake from broker submissions, with key fields extracted and structured automatically
- •Composite risk score built from loss history, exposure, protection, and financial signals
- •Appetite matching that separates in-appetite, conditional, and out-of-appetite accounts
- •Pricing guidance showing the technical premium and the factors driving it
- •Portfolio view of premium, loss ratio, and appetite alignment across the book
A closer look
How it works
Each submission is parsed and scored before an underwriter touches it. The queue ranks by appetite fit, so the accounts worth writing rise to the top and clear declines stop consuming review time.
AI handles the scoring and the first-pass recommendation. The underwriter owns the decision, adjusts price, sets conditions, and binds. Every score traces back to the factors behind it.
The outcome
Underwriters spend their time on accounts that fit the book instead of triaging the whole queue.
Brokers get faster answers on the business the carrier actually wants.
Leadership can see risk and appetite across the portfolio in one place.
Ready when you are
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