Commercial Underwriting

Price complex commercial risks accurately, across every line you write.

hx brings submission intake, actuarial pricing models, and underwriting workflow together for commercial lines underwriting teams handling complex accounts, large risks, and multi-line programs.

Actuaries build pricing models in Python and deploy them without IT bottlenecks. Underwriters get decision support at the point of review, without re-keying data across multiple systems. Portfolio leaders track rate adequacy and loss ratio by line, segment, and territory in near real time.

Up to 50% reduction in quote-to-bind times, even on complex commercial accounts with multi-line structures.

2-3% combined loss ratio improvement from actuarial pricing models that run natively in the platform, not in spreadsheets.

Underwriters get pricing guidance and triage decisions in one workspace, with no context-switching between tools.

Trusted by leading insurers including:

Try hx for yourself

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Abstract gradient background in shades of blue for a modern, tech-focused theme.

With hx customers achieve:

Up to 50% reduction in quote-to-bind times, even on complex commercial accounts with multi-line structures.

2-3% combined loss ratio improvement from actuarial pricing models that run natively in the platform, not in spreadsheets.

Underwriters get pricing guidance and triage decisions in one workspace, with no context-switching between tools.

Trusted by leading insurers including:

One platform for commercial underwriting, from submission to portfolio

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    Submission Triage

    Apply AI to extract and structure complex commercial submission data, so underwriters open a risk ready to assess. Triage routing runs on the same models as pricing, so the accounts your team prioritizes match your actual commercial appetite.

    Underwriters spend less time on manual handling, respond to brokers faster, and focus on the risks they actually want to write.

  • Data ingestion interface showing uploaded documents and supported file formats.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Submission Triage

    Apply AI to extract and structure complex commercial submission data, so underwriters open a risk ready to assess. Triage routing runs on the same models as pricing, so the accounts your team prioritizes match your actual commercial appetite.

    Underwriters spend less time on manual handling, respond to brokers faster, and focus on the risks they actually want to write.

  • Data ingestion interface showing uploaded documents and supported file formats.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Submission Triage

    Apply AI to extract and structure complex commercial submission data, so underwriters open a risk ready to assess. Triage routing runs on the same models as pricing, so the accounts your team prioritizes match your actual commercial appetite.

    Underwriters spend less time on manual handling, respond to brokers faster, and focus on the risks they actually want to write.

  • Key metrics and policy details for an aviation insurance portfolio overview.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Pricing & Rating

    Your commercial pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. Rate complex accounts and multi-line programs without reverting to spreadsheets.

    Update an assumption and pricing recalculates on the spot, so your team spends time on the risk, not the rater.

  • Key metrics and policy details for an aviation insurance portfolio overview.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Pricing & Rating

    Your commercial pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. Rate complex accounts and multi-line programs without reverting to spreadsheets.

    Update an assumption and pricing recalculates on the spot, so your team spends time on the risk, not the rater.

  • Key metrics and policy details for an aviation insurance portfolio overview.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Pricing & Rating

    Your commercial pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. Rate complex accounts and multi-line programs without reverting to spreadsheets.

    Update an assumption and pricing recalculates on the spot, so your team spends time on the risk, not the rater.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Decision Engine

    Define commercial underwriting rules and decision logic in a governed environment, with no-code tools for business users and pro-code access for technical teams. Every decision logs automatically, with no separate audit process required.

    When commercial appetite changes, update the logic once. Every connected capability reflects the change.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Decision Engine

    Define commercial underwriting rules and decision logic in a governed environment, with no-code tools for business users and pro-code access for technical teams. Every decision logs automatically, with no separate audit process required.

    When commercial appetite changes, update the logic once. Every connected capability reflects the change.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Decision Engine

    Define commercial underwriting rules and decision logic in a governed environment, with no-code tools for business users and pro-code access for technical teams. Every decision logs automatically, with no separate audit process required.

    When commercial appetite changes, update the logic once. Every connected capability reflects the change.

  • Bar chart showing charged premium changes from 2024 to 2025 by country.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Portfolio Intelligence

    GWP, rate adequacy, and combined ratio update in near real time across your commercial lines. No month-end data pull required. Slice by line of business, account size, broker, or territory in seconds.

    Feedback loops between decisions and outcomes improve pricing and triage over time.

  • Bar chart showing charged premium changes from 2024 to 2025 by country.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Portfolio Intelligence

    GWP, rate adequacy, and combined ratio update in near real time across your commercial lines. No month-end data pull required. Slice by line of business, account size, broker, or territory in seconds.

    Feedback loops between decisions and outcomes improve pricing and triage over time.

  • Bar chart showing charged premium changes from 2024 to 2025 by country.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    Portfolio Intelligence

    GWP, rate adequacy, and combined ratio update in near real time across your commercial lines. No month-end data pull required. Slice by line of business, account size, broker, or territory in seconds.

    Feedback loops between decisions and outcomes improve pricing and triage over time.

Aviva built 20 models in 9 months and unlocked ML capabilities.

Global Commercial & Specialty. Improved speed and accuracy of pricing decisions.

Gradient background transitioning from deep blue to light blue.
Gradient background transitioning from deep blue to light blue.

Enterprise grade security
and compliance

Enterprise Security

SOC2 Type 2 and ISO 27001:2022 certified, with rigorous controls to protect sensitive underwriting data and help you meet enterprise compliance requirements.

Full audit trails & governance

Every decision, rule change, and model update is captured end-to-end - giving you transparency, accountability, and a clear path for regulatory review.

Open, portable, yours

Structured access to all data, configuration, and code, available anytime for full transparency, portability, and operational continuity.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

FAQs

01

How does hx help underwriters quote more submissions without adding headcount?

hx automates manual admin work like data entry and submission triage, freeing up underwriters to focus on risk assessment and decision-making. Customers typically see capacity to quote up to 2× more submissions while maintaining the same risk selection standards. The platform handles routine tasks so your team can spend time on winnable, profitable risks.

02

What does "real-time portfolio visibility" mean for underwriters?

Instead of waiting for monthly or quarterly reports, underwriters can see current portfolio performance, exposure concentrations, and emerging trends as they happen. This lets you adjust pricing and appetite proactively—before market conditions shift—rather than reacting weeks or months later with outdated data.

03

How much combined ratio improvement can underwriters expect?

Customers using hx's AI-driven pricing models typically see 3–6% combined ratio improvements. The platform learns from your portfolio data to identify profitable pricing opportunities and helps you avoid underpriced risks. Results vary based on your starting point and how you deploy the platform across your book.

See hx in action

Your workflows, not a canned demo

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demo

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