Specialty Underwriting

Price specialty risks faster without sacrificing underwriting precision.

Specialty lines are not meant to be run on spreadsheets. hx gives your actuarial and underwriting teams a single, governed platform to build bespoke pricing models, iterate on them quickly, and apply nuanced decision logic to every complex risk.

From submission ingestion through pricing and portfolio visibility, each part of the workflow is enriched with insights and intelligence. When market conditions shift, your team updates logic once rather than reconciling changes across disconnected systems.

10x faster pricing model deployment, so actuarial teams keep pace with fast-moving specialty lines.

Up to 50% reduction in quote-to-bind times on specialty submissions.

Bespoke decision logic per line you write, with version control, audit trails, and governance built in.

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:

10x faster pricing model deployment, so actuarial teams keep pace with fast-moving specialty lines.

Up to 50% reduction in quote-to-bind times on specialty submissions.

Bespoke decision logic per line you write, with version control, audit trails, and governance built in.

Trusted by leading insurers including:

Pricing built around the risk. Not the average.

  • 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 specialty submission data, so underwriters review a complete risk profile rather than re-keying broker documents and SOV attachments. 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 and respond faster on complex lines.

  • 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 specialty submission data, so underwriters review a complete risk profile rather than re-keying broker documents and SOV attachments. 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 and respond faster on complex lines.

  • 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 specialty submission data, so underwriters review a complete risk profile rather than re-keying broker documents and SOV attachments. 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 and respond faster on complex lines.

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

    Pricing & Rating

    Build bespoke pricing models for each line you write, in Python, and deploy without IT bottlenecks. When market conditions shift, actuaries update assumptions and pricing recalculates on the spot. No deployment queue.

    Triage and pricing logic run on the same models, so prioritization always reflects your current appetite.

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

    Pricing & Rating

    Build bespoke pricing models for each line you write, in Python, and deploy without IT bottlenecks. When market conditions shift, actuaries update assumptions and pricing recalculates on the spot. No deployment queue.

    Triage and pricing logic run on the same models, so prioritization always reflects your current appetite.

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

    Pricing & Rating

    Build bespoke pricing models for each line you write, in Python, and deploy without IT bottlenecks. When market conditions shift, actuaries update assumptions and pricing recalculates on the spot. No deployment queue.

    Triage and pricing logic run on the same models, so prioritization always reflects your current appetite.

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

    Decision Engine

    Define complex underwriting rules, referral triggers, and line-specific decision logic in a governed environment. No-code tools for business users and pro-code access for technical teams. Every change logs automatically, with full version control and no separate audit process required.

    When risk appetite changes, update the logic once. Every connected workflow 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 complex underwriting rules, referral triggers, and line-specific decision logic in a governed environment. No-code tools for business users and pro-code access for technical teams. Every change logs automatically, with full version control and no separate audit process required.

    When risk appetite changes, update the logic once. Every connected workflow 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 complex underwriting rules, referral triggers, and line-specific decision logic in a governed environment. No-code tools for business users and pro-code access for technical teams. Every change logs automatically, with full version control and no separate audit process required.

    When risk appetite changes, update the logic once. Every connected workflow 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

    Rate adequacy, GWP, and combined ratio update in near real time across your specialty lines. 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.

  • 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

    Rate adequacy, GWP, and combined ratio update in near real time across your specialty lines. 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.

  • 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

    Rate adequacy, GWP, and combined ratio update in near real time across your specialty lines. 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.

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?

02

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

03

How much combined ratio improvement can underwriters expect?

FAQs

01

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

02

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

03

How much combined ratio improvement can underwriters expect?

See hx in action

Your workflows, not a canned demo

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Book a

demo

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Book a

demo