Underwriting Automation That Gives Underwriters Their Time Back
Clear simple risks automatically. Pre-fill the data underwriters need. Put every referral on one screen with the reasons it was referred.
The problem
Good risks wait in the same queue as bad ones
In motor and SME (small and medium-sized enterprise) lines, many referrals are simple. They still wait for a person, because the rules live in spreadsheets and the data sits in five systems. Underwriters spend their day re-keying data rather than judging risk. Brokers wait, and some take the business elsewhere.
What we build
Tools for faster, fairer underwriting decisions
Rules and referral engine
Your underwriting rules in one place, versioned, with a clear reason for every referral.
AI referral triage
Sorts referrals by likely outcome and urgency, so the hard cases reach senior underwriters first.
Risk data pre-fill
Pulls vehicle, property, claims history and third-party data into the file before anyone opens it.
Core of the solution
Underwriter workbench
One screen with the submission, the data, the rules triggered and a draft decision to accept or change.
Submission intake for brokers
Reads emails, forms and schedules and turns them into structured data.
Portfolio oversight
Dashboards on referral rates, decisions and pricing drift for the CUO (Chief Underwriting Officer) and the risk team.
How it works
Rules first, AI where it helps, people in charge
01
Rules
Clear rules handle the simple cases.
02
AI
AI ranks and prepares the rest.
03
People
Underwriters decide, and the system records why.
04
Learning
Over time, the data shows which rules to tighten or relax.
Proof
The closest work we have shipped
14.2 → 3.8 hrs
AI proposal automation
Effort per proposal, tracked over 90 days. The same intake-and-draft pattern applies to broker submissions. From another industry.
Qatar
Insurer integrations
Live pricing and policy links to insurer systems for Amana and QIC Anaya.
Engagement
Pilot on one line of business
For example, private motor referrals in one market. We measure referral rate, time to quote and underwriter hours before and after.
Capabilities used
Machine Learning
AI Agents
Data Engineering
Data Analytics
Application Integration
Web App Development
FAQ
Questions about underwriting automation
Not unless you ask. We automate how rules and models are applied. Your actuaries keep ownership of the models.
Always. Every override is recorded with a reason, which also improves the rules over time.
Your core and claims systems, broker submissions, and third-party data you already license.
Each recommendation shows the data and rules behind it, and every decision is logged.
Find the referrals that should never wait
Talk to us about one line of business and the rules behind it.
