Enterprise Underwriting

Scale agentic underwriting across large teams without governance concerns

hx brings submission intake, pricing models, underwriting workflow, and portfolio analytics into one governed system, for enterprise-scale underwriting teams. For commercial P&C carriers, Lloyd's syndicates, and MGAs managing complex risks across multiple actuarial and underwriting teams.

Actuarial teams deploy and iterate pricing models without IT handoffs. Underwriting managers enforce consistent standards across lines and territories. Portfolio leadership gets real-time visibility into rate adequacy and combined ratio, not a month-end data pull.

10x faster pricing model deployment, even for complex, multi-model actuarial stacks.

$60B+ in GWP contracted through the platform annually, across global carriers and Lloyd's syndicates.

Version control, audit trails, and approval workflows built into every model update, with no separate compliance layer required.

Trusted by leading insurers including:

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With hx customers achieve:

10x faster pricing model deployment, even for complex, multi-model actuarial stacks.

$60B+ in GWP contracted through the platform annually, across global carriers and Lloyd's syndicates.

Version control, audit trails, and approval workflows built into every model update, with no separate compliance layer required.

Trusted by leading insurers including:

One platform for the full underwriting lifecycle

Submission Triage

Apply AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

Underwriters spend less time on manual handling, respond faster, and route submissions based on what they actually want to write.

Submission Triage

Apply AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

Underwriters spend less time on manual handling, respond faster, and route submissions based on what they actually want to write.

Submission Triage

Apply AI to extract and structure submission data, so underwriters open a risk ready to decide, not ready to re-key. Triage routing runs on the same models as pricing, so submissions your team prioritizes match your actual appetite.

Underwriters spend less time on manual handling, respond faster, and route submissions based on what they actually want to write.

Pricing & Rating

Your pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. When pricing strategy shifts, triage logic follows, because both run on the same models.

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

Pricing & Rating

Your pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. When pricing strategy shifts, triage logic follows, because both run on the same models.

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

Pricing & Rating

Your pricing models run natively in hx, against live submission data. Actuaries build in Python and deploy without IT bottlenecks. When pricing strategy shifts, triage logic follows, because both run on the same models.

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

Decision Engine

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

Decision Engine

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

Decision Engine

Define 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 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. No month-end data pull required. Slice by line, segment, 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. No month-end data pull required. Slice by line, segment, 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. No month-end data pull required. Slice by line, segment, 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.

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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