Underwriting Workbench

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

Most commercial underwriting teams receive more submissions than they have time to quote. Underwriters burn hours gathering data, re-entering it across their underwriting workbench and policy admin systems, and waiting on actuarial input.

hx is the underwriting decision platform built to enhance decisions, not just accelerate workflows (like a typical workbench).

In hx, submission data is structured before an underwriter touches it. Pricing runs natively against that data. Every underwriter decision logs automatically. Unlike legacy workbenches that route work to external pricing systems, hx keeps everything together from intake through portfolio. Your underwriters spend more time assessing risk and making better decisions.

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:

Try hx for yourself

Abstract gradient background in shades of blue for a modern, tech-focused theme.

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 workflow

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.

Submission Triage

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

Submission Triage

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

Graphs displaying key insurance metrics like premium distribution and rate adequacy.

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

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

Pricing & Rating

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

Abstract graphic symbolizing streamlined underwriting processes and technology.

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

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

Decision Engine

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

Key metrics and policy details for an aviation insurance portfolio overview.

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.

Gradient background transitioning from deep blue to light blue.

FAQs

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

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

How much combined ratio improvement can underwriters expect?

FAQs

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

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

How much combined ratio improvement can underwriters expect?

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.

Abstract gradient background with soft transitions of pink, orange, and blue hues.

Book a

demo

Book a

demo