Underwriting Governance

Every underwriting decision tracked, rating changes versioned, and ready for audit.

hx governs underwriting logic and decisions in a single platform, where audit trails, version control, and approval workflows are built into the work itself. Compliance evidence lives in the platform, not assembled separately after the fact.

When pricing rules change or appetite shifts, every update logs with full traceability. Underwriting teams stay in control of the logic. Actuaries build in Python and deploy without ungoverned handoffs.

10x faster pricing model deployment, with version control and audit trails built into every release.

$60B+ in GWP contracted through the platform annually, governed and auditable at every step.

Every rule change and model update logs automatically, so compliance evidence is there when it's needed.

Trusted by leading insurers including:

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With hx customers achieve:

10x faster pricing model deployment, with version control and audit trails built into every release.

$60B+ in GWP contracted through the platform annually, governed and auditable at every step.

Every rule change and model update logs automatically, so compliance evidence is there when it's needed.

Trusted by leading insurers including:

Governance built into the underwriting workflow. Not layered on top of it.

Decision Engine: governed logic, version control, and full audit trails

Define underwriting rules and decision logic in a controlled environment, with no-code tools for business users and pro-code access for technical teams. Every change logs with version history and a clear approval path.

When appetite shifts, update the logic once. The audit trail captures who changed what, and when.

Decision Engine: governed logic, version control, and full audit trails

Define underwriting rules and decision logic in a controlled environment, with no-code tools for business users and pro-code access for technical teams. Every change logs with version history and a clear approval path.

When appetite shifts, update the logic once. The audit trail captures who changed what, and when.

Decision Engine: governed logic, version control, and full audit trails

Define underwriting rules and decision logic in a controlled environment, with no-code tools for business users and pro-code access for technical teams. Every change logs with version history and a clear approval path.

When appetite shifts, update the logic once. The audit trail captures who changed what, and when.

Pricing & Rating: versioned pricing models with no ungoverned handoffs

Your pricing models run natively in hx, with every version tracked. Actuaries build in Python and deploy directly, without IT handoffs or manual change logs. Regression tests run before any update goes live.

Every pricing change stays traceable from development to production.

Pricing & Rating: versioned pricing models with no ungoverned handoffs

Your pricing models run natively in hx, with every version tracked. Actuaries build in Python and deploy directly, without IT handoffs or manual change logs. Regression tests run before any update goes live.

Every pricing change stays traceable from development to production.

Pricing & Rating: versioned pricing models with no ungoverned handoffs

Your pricing models run natively in hx, with every version tracked. Actuaries build in Python and deploy directly, without IT handoffs or manual change logs. Regression tests run before any update goes live.

Every pricing change stays traceable from development to production.

Submission Triage: appetite rules applied and logged at intake

Triage routing runs on the same models as pricing, so submissions your team works match your actual current appetite. Rule changes apply immediately, without manual updates to separate triage criteria.

Every routing decision logs against the rules in effect at that moment.

Submission Triage: appetite rules applied and logged at intake

Triage routing runs on the same models as pricing, so submissions your team works match your actual current appetite. Rule changes apply immediately, without manual updates to separate triage criteria.

Every routing decision logs against the rules in effect at that moment.

Submission Triage: appetite rules applied and logged at intake

Triage routing runs on the same models as pricing, so submissions your team works match your actual current appetite. Rule changes apply immediately, without manual updates to separate triage criteria.

Every routing decision logs against the rules in effect at that moment.

Portfolio Intelligence: rate adequacy and governance data, always current

GWP, rate adequacy, and combined ratio update in near real time. Governance reporting draws from the same live data as operational decisions, so what leadership sees always matches what underwriters are working from.

Portfolio Intelligence: rate adequacy and governance data, always current

GWP, rate adequacy, and combined ratio update in near real time. Governance reporting draws from the same live data as operational decisions, so what leadership sees always matches what underwriters are working from.

Portfolio Intelligence: rate adequacy and governance data, always current

GWP, rate adequacy, and combined ratio update in near real time. Governance reporting draws from the same live data as operational decisions, so what leadership sees always matches what underwriters are working from.

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

Global Commercial & Specialty. Faster model deployment with version control and auditability built in.

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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