Solutions

The underwriting decision platform for US admitted carriers

Centralize filed rate management in one governed workspace. Update, validate, and deploy rate changes with confidence backed by full version control, effective date governance, and audit trails. Approved rates reach underwriters faster and stay fully compliant - turning deployment into a smooth, efficient process.

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Submission In
Triage
  • Ingestion
  • Triage
  • Clearance
Pricing & Rating
  • Risk Assessment
  • Pricing & Rating
  • Referral & Peer Review
hx Intelligence Layer
  • Decision Engine
  • Portfolio Intelligence
Generate Quote

  • Eliminate rate deployment delays and compliance risk

    Centralize filed rate management in one governed workspace. Update, validate, and deploy rate changes with confidence backed by full version control, effective date governance, and audit trails. Approved rates reach underwriters faster and stay fully compliant - turning deployment into a smooth, efficient process.

  • Accelerate rating and underwriting in a governed environment

    Streamline rating, risk assessment, and underwriting review in one secure, governed space - so underwriters make faster, more consistent decisions with complete pricing context. Build and maintain performant, connected pricing tools that keep models aligned across teams.

  • Run continuous portfolio analysis to protect profitability

    Perform dislocation analysis, adequacy testing, and rate impact assessments in real time. Visualize portfolio shifts and feed insights directly into rate deployment and portfolio strategy - turning analysis into confident, compliant action.

How Admitted carriers use hx

Set up a tech stack that supports rapid growth from day one - no internal IT or data expertise required. Move beyond spreadsheets and legacy tools to a unified, scalable platform.

How Admitted carriers use hx

Set up a tech stack that supports rapid growth from day one - no internal IT or data expertise required. Move beyond spreadsheets and legacy tools to a unified, scalable platform.

Transforming underwriting workflows for US admitted carriers

  • Legacy workflows

    →

    hx platform

  • Rates live in spreadsheets, not systems. Effective dates slip, ISO circulars lag, and proprietary rates drift - slowing deployment and raising compliance risk.

    →

    Governed rate management and connected workflows centralize all versions, effective dates, and bureau updates - keeping ISO and proprietary rates aligned, current, and compliant across every product and state.

  • Filings are built by hand. Manual exhibit generation invites errors, stretch QA cycles, and trigger regulator rework.

    →

    Automated filing preparation generates compliant exhibits directly from model logic, cutting manual work and accelerating regulator approval.

  • Portfolio view is fragmented. Disconnected data creates lack of clarity on rate adequacy and impact - slowing filings and eroding pricing confidence.

    →

    Real-time portfolio insight and automated analysis quantify dislocation and rate adequacy instantly, giving actuaries and underwriters a shared view of performance before filing.

  • Handoffs stall delivery. Actuarial, IT, and underwriting work in silos, duplicating effort and delaying market release.

    →

    Streamlined collaboration between actuarial, IT, and underwriting teams eliminates rekeying and manual handoffs, reducing deployment time and improving execution consistency.

  • Logic isn’t transparent. Rating decisions are hard to trace - and harder to defend - in audits and DOI reviews.

    →

    Transparent and explainable rating logic shows every calculation step, ensuring rates are easy to validate, audit, and communicate to regulators and stakeholders.

Transforming underwriting workflows for US admitted carriers

  • Legacy workflows

    hx platform

  • Rates live in spreadsheets, not systems. Effective dates slip, ISO circulars lag, and proprietary rates drift - slowing deployment and raising compliance risk.

    Governed rate management and connected workflows centralize all versions, effective dates, and bureau updates - keeping ISO and proprietary rates aligned, current, and compliant across every product and state.

  • Filings are built by hand. Manual exhibit generation invites errors, stretch QA cycles, and trigger regulator rework.

    Automated filing preparation generates compliant exhibits directly from model logic, cutting manual work and accelerating regulator approval.

  • Portfolio view is fragmented. Disconnected data creates lack of clarity on rate adequacy and impact - slowing filings and eroding pricing confidence.

    Real-time portfolio insight and automated analysis quantify dislocation and rate adequacy instantly, giving actuaries and underwriters a shared view of performance before filing.

  • Handoffs stall delivery. Actuarial, IT, and underwriting work in silos, duplicating effort and delaying market release.

    Streamlined collaboration between actuarial, IT, and underwriting teams eliminates rekeying and manual handoffs, reducing deployment time and improving execution consistency.

  • Logic isn’t transparent. Rating decisions are hard to trace - and harder to defend - in audits and DOI reviews.

    Transparent and explainable rating logic shows every calculation step, ensuring rates are easy to validate, audit, and communicate to regulators and stakeholders.

Everything you need to win in the Admitted market

Data integrations

Enrich risk assessment and improve pricing accuracy by integrating third-party data sources via robust API connections.

Technology

Seamlessly connect to your pricing and underwriting tech stack, from policy admin systems to data warehouses and more.

Consulting

Leverage our network of trusted consulting partners with deep vertical expertise in successful transformation for insurers, carriers and MGAs.

Powering performance for S&C carriers

Aviva logo featuring a stylized white square and bold text on a black background.

Read more

75%

drop in model
build time

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3-6% loss ratio improvement

Customers have achieved 3–6% improvements in loss ratio by unlocking portfolio-level analytics and rapid model iteration.

50% reduction in submission-to-quote time

Win the right risks fast without compromising accuracy or strategic alignment.

Powering performance for S&C carriers

Aviva logo featuring a stylized white square and bold text on a black background.

Read more

75%

drop in model
build time

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

3-6% loss ratio improvement

Customers unlock portfolio-level analytics and rapid model development to drive loss ratio improvements

40% reduction in underwriter admin

Free underwriters from manual admin and rekeying to focus on high value risk assessment

10x faster model build

Specialty carriers using hx build and deploy new pricing tools 10x faster than legacy solutions

Featured resources

FAQs

  • 01

    What kind of portfolio visibility does hx provide for admitted business?

  • 02

    Can underwriters still use their judgment with the platform?

  • 03

    How does the platform help with rate filing management?

  • 04

    What types of commercial lines does the platform support?

  • 05

    How long does implementation typically take for admitted carriers?

  • 06

    Can hx integrate with our existing policy administration system?

  • 07

    How does hx handle state-specific DOI compliance requirements?

  • 08

    What makes hx different from other platforms for admitted lines carriers?

FAQs

  • 01

    What kind of portfolio visibility does hx provide for admitted business?

  • 02

    Can underwriters still use their judgment with the platform?

  • 03

    How does the platform help with rate filing management?

  • 04

    What types of commercial lines does the platform support?

  • 05

    How long does implementation typically take for admitted carriers?

  • 06

    Can hx integrate with our existing policy administration system?

  • 07

    How does hx handle state-specific DOI compliance requirements?

  • 08

    What makes hx different from other platforms for admitted lines carriers?

Accelerate your journey
from submission to decision

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