A risk-scoring automation layer that gathers data, clears the straightforward cases, and hands underwriters the complex ones already pre-filled — with the reasoning attached.
Build your own automation pipeline
AssureWell Insurance underwrites across 14 product lines, from personal auto to small-commercial specialty. Each line had grown its own manual process, so quote turnaround was slow and inconsistent, and underwriters spent most of their day gathering data rather than judging risk.
They wanted to automate the routine majority without surrendering the explainability their regulators and reinsurers expect on every decision.
Underwriting was 14 different manual processes wearing one company’s logo. Data gathering dominated, quote turnaround dragged, and similar risks were priced differently depending on who handled them.
Our underwriters spent 80% of their day collecting data and 20% actually underwriting. We needed to flip that.
We built an underwriting automation layer that pulls third-party and internal data automatically, scores risk against each line’s rules, and clears the straightforward cases — routing anything outside appetite or confidence to an underwriter with the file already assembled and the reasoning attached.
Every decision is logged with the data and rules it relied on, so the speed never costs the carrier its audit trail.
Automation now spans all 14 product lines, end to end.
Straightforward submissions clear automatically: 65% no underwriter touches them.
Quote turnaround is now 4× faster than the manual process.
Every decision is 100% logged and explainable for audit.
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