Automate Operations
We bring the whole process together, connecting systems and people so work moves more smoothly from start to finish.
Explore Automate OperationsUnderwriting & MGA
Connect submission intake, risk information, underwriting judgement and policy operations.
Email & documents
Risk information
Classify. Check. Enrich. Triage.
AppetiteRating inputsReferral rules
Underwriter judgement and agreed authority
Carry agreed terms into policy operations
Illustrative underwriting workflow — referrals and decision records remain explicit.
Give underwriters a coherent flow of work.
A submission can span emails, attachments, revised information and conversations with a broker. Before an underwriter can assess the risk, someone needs to assemble that material, identify what is missing and establish the next action.
We help insurers and managing general agents connect that work from intake through triage, assessment, referral and policy operations. Our workflows support the underwriter with relevant information, explicit rules and a record of the decision.
Bring the submission into context
We connect incoming emails, documents and data, then extract and organise the information the underwriter needs to assess it.
We also check for missing or conflicting information and keep the source visible, so the team can see what is known, what still needs attention and which version they are working from.
Triage against appetite and available information
We apply agreed appetite criteria and routing rules to incoming submissions, helping teams prioritise work and direct each case to the right person.
Where AI adds value, we use it to interpret and summarise material without replacing underwriting judgement. Uncertain cases stay visible and are routed for review when more information or human assessment is needed.
Support assessment, rating and referral
We bring the relevant risk information, rating logic and underwriting rules together so teams can assess each case with the right context.
For MGAs, we make delegated authority and referral points clear in the workflow, keeping the reasons behind decisions visible while people retain the judgement and authority assigned to them.
Carry agreed terms into policy operations
We connect the underwriting decision to quoting, terms, documents and the policy record so information moves cleanly into the next stage.
Where PolicyLayer is the right fit, we use it to bring those steps together in one underwriting workbench and connect it to the wider systems around the operation.
Build an auditable workflow and improve it
We keep a clear record of the information, decisions and approvals behind each submission, with responsibilities and access defined around the people involved.
Once the workflow is live, we use real operational feedback to improve it. That means seeing where work slows down, where exceptions occur and where further automation can safely add value.
Explore
Connected thinking. Relevant evidence.
Improve Decision-Making
Bring the right information and guidance into the workflow so teams can make better decisions with more confidence.
Explore Improve Decision-MakingConnect Fragmented Systems
We review how the service is performing with the people closest to the operation, then use that insight to decide where change will have the most value.
Explore Connect Fragmented Systems
PolicyLayer
Turn emails and documents into structured underwriting work. PolicyLayer combines AI-assisted intake, risk review, governed terms and document generation in one workbench.
Explore PolicyLayerStart with your operation
What would you change first?
Tell us where work slows down, where systems disconnect, or where your people could do more.
Talk to us about a workflow