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.

  • 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.

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

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

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

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    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.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    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.

  • Abstract graphic symbolizing streamlined underwriting processes and technology.
    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.

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

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

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

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.

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 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

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

Book a

demo