Underwriting decisioning

Smarter decisioning for a more profitable book

Most commercial underwriting teams make decisions inconsistently. Guidelines and appetite rules live in spreadsheets. Pricing models sit outside the workflow.

hx brings underwriting decision logic, pricing models, and submission data together in one governed environment. Every decision logs automatically.

No scattered logic. No manual audit steps. Just cleaner decisions at scale.

Up to 50% faster quote-to-bind when decisioning runs at intake, not after manual data re-entry.

Underwriting rules updated once and reflected across pricing, triage, and every connected workflow automatically.

2–3% combined ratio improvement for underwriting teams that connect decision logic directly to portfolio outcomes.

Trusted by leading insurers including:

Try hx for yourself

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With hx customers achieve:

Up to 50% faster quote-to-bind when decisioning runs at intake, not after manual data re-entry.

Underwriting rules updated once and reflected across pricing, triage, and every connected workflow automatically.

2–3% combined ratio improvement for underwriting teams that connect decision logic directly to portfolio outcomes.

Trusted by leading insurers including:

One platform for the full underwriting lifecycle

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    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.

  • 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 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.

  • 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 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.

  • Data input interface for enterprise underwriting, showing premium and occupancy details.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    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.

  • Data input interface for enterprise underwriting, showing premium and occupancy details.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    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.

  • Data input interface for enterprise underwriting, showing premium and occupancy details.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    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.

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

    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.

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

    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.

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

    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.

  • Dashboard displaying risk score and estimated premium for CenterPoint Offices.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    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.

  • Dashboard displaying risk score and estimated premium for CenterPoint Offices.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    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.

  • Dashboard displaying risk score and estimated premium for CenterPoint Offices.
    Abstract gradient background in warm tones, conveying a modern, innovative feel.

    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.

50% faster from submission to quote

Global Commercial & Specialty – improved speed and accuracy of pricing decisions.

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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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Book a

demo

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Book a

demo