UNDERWRITEYour Smartest Adjuster
Never Clocks Out.
Machine intelligence that reads policy documents in seconds, triages claims before adjusters wake up, and answers policyholder questions at 2 a.m. — without a single hold queue.
I have water damage in my kitchen from a burst pipe. Am I covered under my homeowners policy?
Yes — your HO-3 policy (Policy #WH-2024-88341) covers sudden and accidental water damage from burst pipes under Section I, Coverage A. Your dwelling limit is $420,000 with a $1,500 deductible. This event qualifies for coverage.
I've opened FNOL #2026-02-4471. An adjuster will contact you within 4 business hours. Do you need emergency mitigation services dispatched tonight?
Average Claim Triage Time
Average Claim Triage Time
From FNOL submission to structured triage decision — Underwrite reads the submission, cross-references the active policy, scores severity, and routes to the correct adjuster queue in under five seconds. Processes that used to take 15–20 minutes of examiner time, every single intake.
Policyholder Satisfaction — Zero Human Touchpoints
Policyholder Satisfaction — Zero Human Touchpoints
When policyholders reach Underwrite at 2 a.m. about a burst pipe, they get policy-specific coverage limits, their deductible, and a filed FNOL number — not a hold queue. 91% CSAT without a single human agent in the loop.
Reduction in Manual Data Entry
Reduction in Manual Data Entry
Underwriters navigate up to 70 guidance documents — some 600 pages — to answer a single underwriting question. Underwrite ingests MRCs, SOVs, loss runs, and endorsements in any format, normalizes them to insurance-specific JSON schemas, and surfaces the answer in under 0.2 seconds.
Standard Policy Decision — Down from 3–5 Days
Standard Policy Decision — Down from 3–5 Days
AI has compressed the average underwriting decision timeline from three to five days to 12.4 minutes for standard policies, while maintaining a 99.3% accuracy rate in autonomous risk scoring. Underwrite's ensemble of fine-tuned models classifies, extracts, and scores without waiting for a human to open their inbox.
Every Workflow.
One System.
From the moment a submission lands to the moment a claim is resolved — Underwrite handles the entire intelligence layer so your team handles only the decisions that require a human.
FNOL Intake Automation
Accepts photos, PDFs, and scanned forms in any format. Extracts structured fields — date of loss, parties, damage description — cross-references the active policy, assigns a severity score, and routes to the correct queue. No examiner touch required.
24/7 Policyholder AI
Answers coverage questions at 2 a.m. with policy-specific limits, deductibles, and filed claim numbers — not generic responses.
Document Intelligence
MRCs, SOVs, loss runs, endorsements — any format, normalized to insurance JSON schemas in under 0.2 seconds.
Underwriting Q&A
Drag in a 600-page guidance document. Ask a coverage question. Get the answer with the exact policy section cited — in seconds, not hours of manual search.
Loss Run Processing
Ingests broker submissions from any carrier format. Normalizes, scores, and surfaces risk signals before the underwriter opens their inbox.
AI Governance Layer
Every model decision is logged, explainable, and auditable. Designed for NAIC model bulletin compliance across all 24 states.
Ops teams that stopped waiting
for Monday morning.
We cut FNOL processing from 18 minutes per intake to under 5 seconds. Our examiners now handle escalations only — Underwrite handles everything else.
FNOL processing time
As an MGA scaling from 12K to 60K policies in 18 months, we couldn't hire fast enough. Underwrite became our ops team's force multiplier. Loss run processing alone saved us 3 FTEs.
ops roles automated
The domain specificity is what sold us. It doesn't just parse documents — it understands endorsements, reads loss run trends, and surfaces the right underwriting questions. No generic LLM does that.
data points per doc
TRUSTED BY CARRIERS, MGAS, AND INSURTECHS
See Your Automation Score
Two fields and an email. We calculate exactly how many manual hours Underwrite eliminates from your ops team — and where to start.