Underwriting Workbench

Quote more business. Re-key nothing. Decide faster.

Most commercial underwriting teams receive more submissions than they can quote. The bottleneck is not appetite. It’s the time underwriters spend gathering data, re-entering it across systems, and waiting on actuarial input.

hx is the underwriting workbench built around decision support, not task routing. Submission data is structured before an underwriter touches it. Pricing runs natively against that data. Every decision logs automatically. Unlike workflow workbenches that route work to external pricing systems, hx keeps everything together from intake through portfolio. Your underwriters spend time on risk assessment, not administration.

With hx customers achieve:

Up to 50% reduction in quote-to-bind time across commercial and specialty P&C lines.

Triage and pricing logic always tied to your actual appetite, not managed in a separate tool.

2-3% combined loss ratio improvement.

Trusted by leading insurers including:

Book a demo

With hx customers achieve:

Up to 50% reduction in quote-to-bind time across commercial and specialty P&C lines.

Triage and pricing logic always tied to your actual appetite, not managed in a separate tool.

2-3% combined loss ratio improvement.

Trusted by leading insurers including:

One platform for the full underwriting lifecycle

Structured intake: organized data before the underwriter opens the file

Data Ingestion Agent structures submission data from PDFs, emails, and broker packets automatically

Your schema, populated before anyone touches the file

Less re-keying means more time on risk, not admin

Structured intake: organized data before the underwriter opens the file

Data Ingestion Agent structures submission data from PDFs, emails, and broker packets automatically

Your schema, populated before anyone touches the file

Less re-keying means more time on risk, not admin

Structured intake: organized data before the underwriter opens the file

Data Ingestion Agent structures submission data from PDFs, emails, and broker packets automatically

Your schema, populated before anyone touches the file

Less re-keying means more time on risk, not admin

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.

Change an assumption. The output updates. Your team prices the risk, not the process.

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.

Change an assumption. The output updates. Your team prices the risk, not the process.

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.

Change an assumption. The output updates. Your team prices the risk, not the process.

Decision Engine

Define underwriting rules and decision logic in a governed environment. No-code for business users, pro-code 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. No-code for business users, pro-code 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. No-code for business users, pro-code 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.

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 do we integrate hx without disrupting our existing underwriting operations?

hx's API-first, composable architecture enables phased deployment alongside existing systems. Start with Submission Ingestion & Triage or Pricing & Rating, then expand—no rip-and-replace required. Carriers using this approach have achieved 40% faster cycle times while reducing IT integration costs.

02

How do we integrate hx without disrupting our existing underwriting operations?

hx's API-first, composable architecture enables phased deployment alongside existing systems. Start with Submission Ingestion & Triage or Pricing & Rating, then expand—no rip-and-replace required. Carriers using this approach have achieved 40% faster cycle times while reducing IT integration costs.

03

How do we integrate hx without disrupting our existing underwriting operations?

hx's API-first, composable architecture enables phased deployment alongside existing systems. Start with Submission Ingestion & Triage or Pricing & Rating, then expand—no rip-and-replace required. Carriers using this approach have achieved 40% faster cycle times while reducing IT integration costs.

FAQs

01

How do we integrate hx without disrupting our existing underwriting operations?

hx's API-first, composable architecture enables phased deployment alongside existing systems. Start with Submission Ingestion & Triage or Pricing & Rating, then expand—no rip-and-replace required. Carriers using this approach have achieved 40% faster cycle times while reducing IT integration costs.

02

How do we integrate hx without disrupting our existing underwriting operations?

hx's API-first, composable architecture enables phased deployment alongside existing systems. Start with Submission Ingestion & Triage or Pricing & Rating, then expand—no rip-and-replace required. Carriers using this approach have achieved 40% faster cycle times while reducing IT integration costs.

03

How do we integrate hx without disrupting our existing underwriting operations?

hx's API-first, composable architecture enables phased deployment alongside existing systems. Start with Submission Ingestion & Triage or Pricing & Rating, then expand—no rip-and-replace required. Carriers using this approach have achieved 40% faster cycle times while reducing IT integration costs.

See hx work a submission from your pipeline

In fifteen minutes, we’ll work a submission from intake to decision. We’ll use your lines of business, your stack, and the submission types your team actually handles.

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demo

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demo

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