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

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

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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