Commercial & Specialty Underwriting Platform

The commercial & specialty underwriting platform purpose-built for complex risk.

hx is an AI-powered commercial and specialty underwriting platform built for complex commercial P&C risks that do not fit cookie-cutter rating engines or off-the-shelf workbenches. It connects submission triage, pricing and portfolio insight in one environment, so underwriters can respond faster on unruly, high-stakes risks without losing control or governance.

Built by and for commercial and specialty practitioners, hx gives actuaries pro-code models with AI assistance, underwriters a single workspace for data and decisions, and leaders a live view of how day-to-day underwriting is shaping portfolio performance, across property, marine, energy, financial lines, E&S and more.

Transform commercial and specialty pricing and underwriting with a platform designed for layered programmes, heavy-asset SoVs and bespoke clauses, not just standard package business.

Give underwriters one place to ingest, triage and price complex risks with live portfolio context, instead of juggling spreadsheets, PDFs and siloed tools.

Let actuaries build and refine Python-based pricing tools 10x faster, with AI support, while keeping full governance over models and releases.

Use portfolio-level what-if and dislocation analysis to steer specialty books toward better loss ratios and growth, without standing up a separate BI stack.

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$60bn+

GWP per annum

40+

Leading global carriers

2-3%

Loss ratio improvement

10x

Faster model builds

Purpose-built for commercial & specialty underwriting

Ingestion Agent

Built for complex structures and unruly data: handle complex schedules and submissions without slowing underwriters down

Specialty and complex commercial risks arrive as multi-sheet SoVs, dense PDFs and long email chains. Ingestion Agent and hx models work together to extract, clean and map this data into your pricing schema, including heavy-asset schedules, so underwriters are not re-keying or simplifying away important detail before they can start underwriting.

Data captured once feeds triage, pricing and portfolio analysis, giving richer inputs for technical pricing and appetite decisions and fewer errors driven by manual data work: a core requirement for specialty and commercial portfolios.

Ingestion Agent

Built for complex structures and unruly data: handle complex schedules and submissions without slowing underwriters down

Specialty and complex commercial risks arrive as multi-sheet SoVs, dense PDFs and long email chains. Ingestion Agent and hx models work together to extract, clean and map this data into your pricing schema, including heavy-asset schedules, so underwriters are not re-keying or simplifying away important detail before they can start underwriting.

Data captured once feeds triage, pricing and portfolio analysis, giving richer inputs for technical pricing and appetite decisions and fewer errors driven by manual data work: a core requirement for specialty and commercial portfolios.

Ingestion Agent

Built for complex structures and unruly data: handle complex schedules and submissions without slowing underwriters down

Specialty and complex commercial risks arrive as multi-sheet SoVs, dense PDFs and long email chains. Ingestion Agent and hx models work together to extract, clean and map this data into your pricing schema, including heavy-asset schedules, so underwriters are not re-keying or simplifying away important detail before they can start underwriting.

Data captured once feeds triage, pricing and portfolio analysis, giving richer inputs for technical pricing and appetite decisions and fewer errors driven by manual data work: a core requirement for specialty and commercial portfolios.

Waterfall Impact Analysis

Underwriting workspace for complex risk: all the evidence for a difficult risk, in one pricing and underwriting view

Pricing & Rating is the underwriter's workspace in hx: one place to see submission data, pricing models, third-party data, underwriting rules and portfolio context for each commercial or specialty risk. Underwriters start from a governed technical price, adjust terms and structure where needed, and understand exactly what changed and why.

The result is faster, more confident decisions on complex risks and a consistent position underwriters can defend with brokers and internal stakeholders.

Waterfall Impact Analysis

Underwriting workspace for complex risk: all the evidence for a difficult risk, in one pricing and underwriting view

Pricing & Rating is the underwriter's workspace in hx: one place to see submission data, pricing models, third-party data, underwriting rules and portfolio context for each commercial or specialty risk. Underwriters start from a governed technical price, adjust terms and structure where needed, and understand exactly what changed and why.

The result is faster, more confident decisions on complex risks and a consistent position underwriters can defend with brokers and internal stakeholders.

Waterfall Impact Analysis

Underwriting workspace for complex risk: all the evidence for a difficult risk, in one pricing and underwriting view

Pricing & Rating is the underwriter's workspace in hx: one place to see submission data, pricing models, third-party data, underwriting rules and portfolio context for each commercial or specialty risk. Underwriters start from a governed technical price, adjust terms and structure where needed, and understand exactly what changed and why.

The result is faster, more confident decisions on complex risks and a consistent position underwriters can defend with brokers and internal stakeholders.

Dislocation Analysis

Portfolio-aware decisions for specialty books: see how each decision moves the specialty portfolio, then act on it

Every pricing decision in hx can feed Portfolio Intelligence, the analytics and feedback layer of the platform. Pricing leaders and CUOs get live views of rate adequacy, technical vs charged premium, loss ratio and mix across segments, brokers and programmes, without stitching together spreadsheets or data warehouse exports.

Batch Rating lets teams re-rate portfolios on new models or rate plans and see the impact before deployment, turning hx into an underwriting portfolio management and profitability layer for commercial and specialty books, not just a system of record.

Dislocation Analysis

Portfolio-aware decisions for specialty books: see how each decision moves the specialty portfolio, then act on it

Every pricing decision in hx can feed Portfolio Intelligence, the analytics and feedback layer of the platform. Pricing leaders and CUOs get live views of rate adequacy, technical vs charged premium, loss ratio and mix across segments, brokers and programmes, without stitching together spreadsheets or data warehouse exports.

Batch Rating lets teams re-rate portfolios on new models or rate plans and see the impact before deployment, turning hx into an underwriting portfolio management and profitability layer for commercial and specialty books, not just a system of record.

Dislocation Analysis

Portfolio-aware decisions for specialty books: see how each decision moves the specialty portfolio, then act on it

Every pricing decision in hx can feed Portfolio Intelligence, the analytics and feedback layer of the platform. Pricing leaders and CUOs get live views of rate adequacy, technical vs charged premium, loss ratio and mix across segments, brokers and programmes, without stitching together spreadsheets or data warehouse exports.

Batch Rating lets teams re-rate portfolios on new models or rate plans and see the impact before deployment, turning hx into an underwriting portfolio management and profitability layer for commercial and specialty books, not just a system of record.

Decision Engine

Deployed into your ecosystem, not in a vacuum: plug into existing workbenches and PAS with no rip-and-replace

hx acts as the pricing and underwriting decision layer in your stack, integrating with existing workbenches, policy admin systems and data warehouses via APIs rather than forcing wholesale replacement. Underwriters keep their current workbench UI where needed, while hx handles complex pricing logic, portfolio-aware decisioning and data capture underneath.

That makes hx a practical commercial and specialty underwriting software choice for large carriers, reinsurers and MGAs modernising step by step rather than in a single programme.

Decision Engine

Deployed into your ecosystem, not in a vacuum: plug into existing workbenches and PAS with no rip-and-replace

hx acts as the pricing and underwriting decision layer in your stack, integrating with existing workbenches, policy admin systems and data warehouses via APIs rather than forcing wholesale replacement. Underwriters keep their current workbench UI where needed, while hx handles complex pricing logic, portfolio-aware decisioning and data capture underneath.

That makes hx a practical commercial and specialty underwriting software choice for large carriers, reinsurers and MGAs modernising step by step rather than in a single programme.

Decision Engine

Deployed into your ecosystem, not in a vacuum: plug into existing workbenches and PAS with no rip-and-replace

hx acts as the pricing and underwriting decision layer in your stack, integrating with existing workbenches, policy admin systems and data warehouses via APIs rather than forcing wholesale replacement. Underwriters keep their current workbench UI where needed, while hx handles complex pricing logic, portfolio-aware decisioning and data capture underneath.

That makes hx a practical commercial and specialty underwriting software choice for large carriers, reinsurers and MGAs modernising step by step rather than in a single programme.

See the hx commercial & specialty underwriting platform on your hardest risks

We'll walk through real submissions from lines you write, from messy SoVs through pricing and portfolio impact, to show how hx handles complex commercial and specialty risks and how it fits alongside your existing systems.

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