The #1 pricing and underwriting platform for commercial P&C insurance.
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Build calculation logic in one place.
Build calculation logic in one place.
Create pricing, rating, appetite, referral, and eligibility logic that can be tested, versioned, documented, and reused across underwriting workflows.
Govern every model change.
Govern every model change.
Track assumptions, version history, approvals, test results, and documentation so model owners and underwriting leaders can understand what changed and why.
Deploy into live decisions.
Deploy into live decisions.
Move calculation logic from development into production workflows where agents and underwriters can use it consistently across submissions, renewals, and portfolio reviews.
Calculation Engines bring model logic closer to underwriting
Calculation Engines bring model logic closer to underwriting
Pricing and appetite decisions depend on calculations that are often scattered across spreadsheets, scripts, tools, and legacy systems. That makes change slow and governance harder. Calculation Engines gives modelers and underwriting teams a controlled place to build, test, document, and deploy calculation logic into daily decision workflows.
Pricing and appetite decisions depend on calculations that are often scattered across spreadsheets, scripts, tools, and legacy systems. That makes change slow and governance harder. Calculation Engines gives modelers and underwriting teams a controlled place to build, test, document, and deploy calculation logic into daily decision workflows.

Three modes
of operation
Three modes
of operation


Build pricing, rating, appetite, and risk logic in native workflows
Build
Create reusable calculation blocks for premiums, risk scores, referrals, eligibility, and appetite rules.
Support complex logic while keeping inputs, outputs, and assumptions clear.
Make models usable by underwriters without hiding how decisions are made.


Test and profile models before they reach live underwriting
Validate
Run test cases across expected, edge-case, and exception scenarios.
Profile performance and identify calculation steps that create delays or uncertainty.
Reduce model risk before calculations are used in production workflows.


Version calculation logic with documentation and approval history
Govern
Track every model version, assumption, parameter change, and approval decision.
Keep documentation aligned with the logic actually used in underwriting workflows.
Give governance, actuarial, and underwriting teams a shared source of truth.


Deploy calculations directly into underwriting workflows
Deploy
Use calculation outputs inside triage, pricing, appetite, referral, and portfolio workflows.
Let agents call approved models with the right inputs and return explainable outputs.
Create a smoother path from model development to live underwriting execution.
Three modes
of operation


Build pricing, rating, appetite, and risk logic in native workflows
Build
Create reusable calculation blocks for premiums, risk scores, referrals, eligibility, and appetite rules.
Support complex logic while keeping inputs, outputs, and assumptions clear.
Make models usable by underwriters without hiding how decisions are made.


Test and profile models before they reach live underwriting
Validate
Run test cases across expected, edge-case, and exception scenarios.
Profile performance and identify calculation steps that create delays or uncertainty.
Reduce model risk before calculations are used in production workflows.


Version calculation logic with documentation and approval history
Govern
Track every model version, assumption, parameter change, and approval decision.
Keep documentation aligned with the logic actually used in underwriting workflows.
Give governance, actuarial, and underwriting teams a shared source of truth.


Deploy calculations directly into underwriting workflows
Deploy
Use calculation outputs inside triage, pricing, appetite, referral, and portfolio workflows.
Let agents call approved models with the right inputs and return explainable outputs.
Create a smoother path from model development to live underwriting execution.
Three modes
of operation
Three modes
of operation


Build pricing, rating, appetite, and risk logic in native workflows
Build
Create reusable calculation blocks for premiums, risk scores, referrals, eligibility, and appetite rules.
Support complex logic while keeping inputs, outputs, and assumptions clear.
Make models usable by underwriters without hiding how decisions are made.


Test and profile models before they reach live underwriting
Validate
Run test cases across expected, edge-case, and exception scenarios.
Profile performance and identify calculation steps that create delays or uncertainty.
Reduce model risk before calculations are used in production workflows.


Version calculation logic with documentation and approval history
Govern
Track every model version, assumption, parameter change, and approval decision.
Keep documentation aligned with the logic actually used in underwriting workflows.
Give governance, actuarial, and underwriting teams a shared source of truth.


Deploy calculations directly into underwriting workflows
Deploy
Use calculation outputs inside triage, pricing, appetite, referral, and portfolio workflows.
Let agents call approved models with the right inputs and return explainable outputs.
Create a smoother path from model development to live underwriting execution.


Build pricing, rating, appetite, and risk logic in native workflows
Create reusable calculation blocks for premiums, risk scores, referrals, eligibility, and appetite rules.
Support complex logic while keeping inputs, outputs, and assumptions clear.
Make models usable by underwriters without hiding how decisions are made.


Build pricing, rating, appetite, and risk logic in native workflows
Create reusable calculation blocks for premiums, risk scores, referrals, eligibility, and appetite rules.
Support complex logic while keeping inputs, outputs, and assumptions clear.
Make models usable by underwriters without hiding how decisions are made.


Test and profile models before they reach live underwriting
Run test cases across expected, edge-case, and exception scenarios.
Profile performance and identify calculation steps that create delays or uncertainty.
Reduce model risk before calculations are used in production workflows.


Test and profile models before they reach live underwriting
Run test cases across expected, edge-case, and exception scenarios.
Profile performance and identify calculation steps that create delays or uncertainty.
Reduce model risk before calculations are used in production workflows.


Version calculation logic with documentation and approval history
Track every model version, assumption, parameter change, and approval decision.
Keep documentation aligned with the logic actually used in underwriting workflows.
Give governance, actuarial, and underwriting teams a shared source of truth.


Version calculation logic with documentation and approval history
Track every model version, assumption, parameter change, and approval decision.
Keep documentation aligned with the logic actually used in underwriting workflows.
Give governance, actuarial, and underwriting teams a shared source of truth.


Deploy calculations directly into underwriting workflows
Use calculation outputs inside triage, pricing, appetite, referral, and portfolio workflows.
Let agents call approved models with the right inputs and return explainable outputs.
Create a smoother path from model development to live underwriting execution.


Deploy calculations directly into underwriting workflows
Use calculation outputs inside triage, pricing, appetite, referral, and portfolio workflows.
Let agents call approved models with the right inputs and return explainable outputs.
Create a smoother path from model development to live underwriting execution.
Three modes
of operation
Discover more
AI-powered decisions from triage, to pricing, to portfolio optimization

Calculation Engines helped us move from disconnected model logic to governed calculations that underwriters can trust and use in live decisions.
Maya Patel
Pricing Transformation Lead

Calculation Engines helped us move from disconnected model logic to governed calculations that underwriters can trust and use in live decisions.
Maya Patel
Pricing Transformation Lead

Calculation Engines helped us move from disconnected model logic to governed calculations that underwriters can trust and use in live decisions.
Maya Patel
Pricing Transformation Lead
Underwrite Exponentially
Discover how hx puts pricing logic, underwriting judgment, portfolio intelligence, and governed agent execution into one platform.





