The #1 pricing and underwriting platform for commercial P&C insurance.

Underwrite
Exponentially

hx organizes work and surfaces insights so underwriters can focus on the expert judgment that drives profitable growth.



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hyperoperator

The platform trusted by 50+ leading commercial insurers to support $75bn of premium every year.

  • Moves work forward

    Analyzes submissions, prepares decisions, and performs work inside your governance.

  • Applies your logic

    Turns pricing, appetite, referral, and portfolio logic into bespoke agent tools.

  • Improves recommendations

    Uses outcomes, overrides, and rationale to strengthen guidance and portfolio steering.

The underwriting workbench for a new era

Traditional workbenches

  • Collect information around a decision

  • Route work, but don’t act on it

  • Record decisions after they happen

AI-native workbench

  • Understands the context behind every decision

  • Completes tasks within your rules and controls

  • Learns from every decision and outcome

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

Advance every underwriting decision
on one secure platform

hyperoperator

Workflow Builder

Calculation Engines

Portfolio Intelligence

Underwriters set the goal. Agents do the rest. 

hx's agentic AI system for commercial insurance underwriting. It plans and executes multi-step work inside your rules, permissions, models, and review points, so underwriters set the goal and make the judgment while agents run the work around it.

  • Purpose-built for insurance

  • Governed, not autonomous

  • Routine workflows, ad-hoc explorations, continuous monitoring

  • Specialist agents coordinated under one orchestration layer

Explore

hyperoperator

Your logic. Your rules. Your audit trail.

  • Controlled

    Agents act only inside the rules you set: authorities, permissions, budgets, and review points.

  • Audited

    Decision Trace captures every action, model call, and data touch. No additional instrumentation needed.

  • Defensible

    Audit trails and governed logic make agent-led underwriting explainable. Designed for PRA, NAIC, BMA, and Lloyd’s.

SOC 2 Type 2 · ISO 27001:2022 · PRA · NAIC · BMA · Lloyd's

SOC 2 Type 2 · ISO 27001:2022 · PRA · NAIC · BMA · Lloyd's

Built to support the decisions underwriters make every day

Submission triage

  • Overnight queue

  • Bordereaux ingestion

  • ACORD extraction

  • Appetite scoring

From inbox to ranked queue, before the underwriter opens a file.

Complex risk assessment

  • Quote generation

  • Novel risk pricing

  • Rate justification

  • What-if scenarios

Run the carrier's model, validate against appetite, and flag the decision bounds.

Renewals

  • Renewal pipeline

  • Terms drafting

  • Rate change rationale

  • Senior referral flagging

Pull history, reprice the account, draft terms.

Portfolio Monitoring

  • Book-shape reporting

  • Concentration limits

  • Exposure alerts

  • Rate change analysis

rack exposure, concentration, and drift across the book.

Reinsurance management

  • Program stress-testing

  • Cession optimisation

  • Treaty fit analysis

  • Treaty breach alerts

rack exposure, concentration, and drift across the book.

Wording & regulation

  • Regulatory sweep

  • Wording-update monitoringion

  • Lloyd's bulletin tracking

  • Wording analysis

Monitor change, flag what touches your book, draft the response.

Actuarial modeling

  • Batch portfolio runs

  • Loss curve benchmarking

  • Model re-parameterisation

  • Version publishing

Benchmark loss curves, test new model versions, batch-run the book.

Submission triage

  • Overnight queue

  • Bordereaux ingestion

  • ACORD extraction

  • Appetite scoring

From inbox to ranked queue, before the underwriter opens a file.

Complex risk assessment

  • Quote generation

  • Novel risk pricing

  • Rate justification

  • What-if scenarios

Run the carrier's model, validate against appetite, and flag the decision bounds.

Renewals

  • Renewal pipeline

  • Terms drafting

  • Rate change rationale

  • Senior referral flagging

Pull history, reprice the account, draft terms.

Portfolio Monitoring

  • Book-shape reporting

  • Concentration limits

  • Exposure alerts

  • Rate change analysis

rack exposure, concentration, and drift across the book.

Reinsurance management

  • Program stress-testing

  • Cession optimisation

  • Treaty fit analysis

  • Treaty breach alerts

rack exposure, concentration, and drift across the book.

Wording & regulation

  • Regulatory sweep

  • Wording-update monitoringion

  • Lloyd's bulletin tracking

  • Wording analysis

Monitor change, flag what touches your book, draft the response.

Actuarial modeling

  • Batch portfolio runs

  • Loss curve benchmarking

  • Model re-parameterisation

  • Version publishing

Benchmark loss curves, test new model versions, batch-run the book.

Submission triage

  • Overnight queue

  • Bordereaux ingestion

  • ACORD extraction

  • Appetite scoring

From inbox to ranked queue, before the underwriter opens a file.

Complex risk assessment

  • Quote generation

  • Novel risk pricing

  • Rate justification

  • What-if scenarios

Run the carrier's model, validate against appetite, and flag the decision bounds.

Renewals

  • Renewal pipeline

  • Terms drafting

  • Rate change rationale

  • Senior referral flagging

Pull history, reprice the account, draft terms.

Portfolio Monitoring

  • Book-shape reporting

  • Concentration limits

  • Exposure alerts

  • Rate change analysis

rack exposure, concentration, and drift across the book.

Reinsurance management

  • Program stress-testing

  • Cession optimisation

  • Treaty fit analysis

  • Treaty breach alerts

rack exposure, concentration, and drift across the book.

Wording & regulation

  • Regulatory sweep

  • Wording-update monitoringion

  • Lloyd's bulletin tracking

  • Wording analysis

Monitor change, flag what touches your book, draft the response.

Actuarial modeling

  • Batch portfolio runs

  • Loss curve benchmarking

  • Model re-parameterisation

  • Version publishing

Benchmark loss curves, test new model versions, batch-run the book.

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

Connected to the systems

your workflows runs on

hx connects to the policy admin systems, data providers, AI infrastructure, and market venues your underwriting already runs on.

Policy admin systems

Sits earlier in the cycle. Your PAS stays the system of record.

Insurance data & models

Called as governed tools inside every workflow.

AI infrastructure

Foundation models, agent frameworks, and inference, governed for insurance.

Productivity & portals

Runs wherever the work happens: web, PAS, portal, API, or scheduled job.

Reinsurance & market access

Continuous monitoring across Lloyd's and treaty markets.

Policy admin systems

Sits earlier in the cycle. Your PAS stays the system of record.

Insurance data & models

Called as governed tools inside every workflow.

AI infrastructure

Foundation models, agent frameworks, and inference, governed for insurance.

Productivity & portals

Runs wherever the work happens: web, PAS, portal, API, or scheduled job.

Reinsurance & market access

Continuous monitoring across Lloyd's and treaty markets.

Policy admin systems

Sits earlier in the cycle. Your PAS stays the system of record.

Insurance data & models

Called as governed tools inside every workflow.

AI infrastructure

Foundation models, agent frameworks, and inference, governed for insurance.

Productivity & portals

Runs wherever the work happens: web, PAS, portal, API, or scheduled job.

Reinsurance & market access

Continuous monitoring across Lloyd's and treaty markets.

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

"By partnering with hx, we're making intelligent underwriting a reality for our Global Corporate & Specialty business"

Karen Dayal

Chief Underwriting Officer, Aviva

Underwrite Exponentially

Discover how hx puts pricing logic, underwriting judgment, portfolio intelligence, and governed agent execution into one platform.

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