The underwriting decision platform for Specialty & Commercial insurance
Transform your commercial and specialty insurance pricing and underwriting with a platform purpose-built for complex risk. Drive profitable growth with rapid model development, seamless collaboration, and portfolio-level insight.
Ship pricing tools 10x faster
Accelerate model development and deployment with a Python-based IDE, AI-powered co-pilot, and reusable components. Enable actuaries to build, iterate, and launch pricing tools in a fraction of the time.
Unlock portfolio-level analysis
Automatically capture pricing data to run batch rating and portfolio analysis in minutes, giving underwriters and actuaries visibility into performance and the ability to make decisions with confidence.
Control consistency and quality
Ensure robust governance with built-in model versioning, audit trails, automated regression checks, and embedded peer review—reducing risk of non-compliance and improving pricing accuracy.
Turn around complex submissions in minutes and automate triage and prioritization, guided by your strategy and models.
Triage
Turn around complex submissions in minutes and automate triage and prioritization, guided by your strategy and models.
Pricing & Rating
Deliver precise, explainable prices in seconds so underwriters quote faster and stay aligned to actuarial strategy.
Portfolio Intelligence
Get real-time portfolio performance and batch rating insights, backed by a complete record of every pricing decision and outcome.
Decision Engine
Create and govern adaptable decision logic with clear controls, safe changes, and confident releases.
Turn around complex submissions in minutes and automate triage and prioritization, guided by your strategy and models.
Triage
Turn around complex submissions in minutes and automate triage and prioritization, guided by your strategy and models.
Pricing & Rating
Deliver precise, explainable prices in seconds so underwriters quote faster and stay aligned to actuarial strategy.
Portfolio Intelligence
Get real-time portfolio performance and batch rating insights, backed by a complete record of every pricing decision and outcome.
Decision Engine
Create and govern adaptable decision logic with clear controls, safe changes, and confident releases.
Transforming pricing and underwriting workflowsfor Specialty & Commercial carriers
Legacy workflows
→
hx platform
Fragmented workflows are disjointed and spreadsheet-heavy, leading to manual rekeying, inconsistencies, and slow underwriting cycles
→
Unified, purpose-built pricing and underwriting platform to streamline workflows and reduce rekeying through robust integrations.
Siloed systems with limited PAS and third‑party data integration force copy/paste and block real-time, full context decisions at the point of pricing.
→
Embedded data ingestion and connectivity, including AI-powered submission ingestion and third-party data integration, to cut manual work at the point of pricing.
Weak governance and version control in spreadsheets make audits painful and increase model risk across teams and lines.
→
Built-in governance with model versioning, audit trails, peer review, and automated testing ensures control, consistency, and audit readiness.
Slow speed to market due to sluggish rate changes and reporting cadences undermines responsiveness to market and regulatory shifts.
→
Faster pricing tool development and deployment with a Python-based IDE and actuarial co-pilot to materially improve speed to market.
Poor collaboration and visibility mean pricing data isn’t consistently captured, portfolio views are delayed, and execution becomes inconsistent.
→
Portfolio-wide intelligence to bring batch rating, scenario analysis, and prioritization into underwriting, improving decisions in real time.
Transforming pricing and underwriting workflowsfor Specialty & Commercial carriers
Legacy workflows
hx platform
Fragmented workflows are disjointed and spreadsheet-heavy, leading to manual rekeying, inconsistencies, and slow underwriting cycles
Unified, purpose-built pricing and underwriting platform to streamline workflows and reduce rekeying through robust integrations.
Siloed systems with limited PAS and third‑party data integration force copy/paste and block real-time, full context decisions at the point of pricing.
Embedded data ingestion and connectivity, including AI-powered submission ingestion and third-party data integration, to cut manual work at the point of pricing.
Weak governance and version control in spreadsheets make audits painful and increase model risk across teams and lines.
Built-in governance with model versioning, audit trails, peer review, and automated testing ensures control, consistency, and audit readiness.
Slow speed to market due to sluggish rate changes and reporting cadences undermines responsiveness to market and regulatory shifts.
Faster pricing tool development and deployment with a Python-based IDE and actuarial co-pilot to materially improve speed to market.
Poor collaboration and visibility mean pricing data isn’t consistently captured, portfolio views are delayed, and execution becomes inconsistent.
Portfolio-wide intelligence to bring batch rating, scenario analysis, and prioritization into underwriting, improving decisions in real time.
Everything you need to win in the Specialty & Commercial 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
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
Can multiple underwriters collaborate on complex accounts within the platform?
Yes, the platform supports seamless collaboration with shared workspaces, real-time updates, and audit trails. Multiple underwriters can review different aspects of complex accounts, share insights, and maintain decision history throughout the underwriting process.
02
How does the AI assist with specialty underwriting decisions?
Our AI agents—Data Ingestion Agent, Actuarial Agent, and Underwriter Agent—work within your defined guardrails to structure submission data, recommend pricing adjustments, and flag risks requiring human review. The AI learns from your decisions to improve recommendations over time while preserving underwriter judgment for complex specialty risks.
03
What kind of portfolio visibility does the platform provide for specialty lines?
Portfolio Intelligence provides real-time visibility into performance across lines, segments, and individual accounts. You can monitor loss ratios, premium trends, risk concentrations, and emerging patterns to make informed portfolio steering decisions before renewal cycles.
04
How quickly can we deploy new pricing models for emerging risks?
Model deployment typically takes days instead of weeks or months. The platform's governed environment allows actuaries to build, test, and deploy models rapidly while maintaining full auditability and version control. Changes can be implemented without IT dependency or system downtime.
05
Can the platform integrate with our existing policy administration and claims systems?
Yes, hx integrates with major PAS platforms and claims systems through APIs and pre-built connectors. Our integration approach preserves your existing workflows while adding intelligent pricing and underwriting capabilities on top of your current technology stack.
06
How does the platform handle complex specialty risks that don't fit standard rating models?
The platform is purpose-built for complex risks. Actuaries can leverage the power of native Python to build powerful, flexible raters to accommodate the sparse datasets and edge cases common in complex speciality risks. Raters can be rapidly deployed to underwriters to facilitate a tight feedback loop between teams. Underwriters can leverage a composable UI to review additional third-party and portfolio data during risk assessment and pricing.
07
What lines of business does the platform support for specialty and commercial insurance?
The hx platform supports all major commercial and specialty lines including property, casualty, cyber, D&O, E&O, marine, aviation, energy, and other complex specialty risks. Our Decision Engine adapts to any line of business with configurable rating logic and risk assessment workflows.
FAQs
01
Can multiple underwriters collaborate on complex accounts within the platform?
Yes, the platform supports seamless collaboration with shared workspaces, real-time updates, and audit trails. Multiple underwriters can review different aspects of complex accounts, share insights, and maintain decision history throughout the underwriting process.
02
How does the AI assist with specialty underwriting decisions?
Our AI agents—Data Ingestion Agent, Actuarial Agent, and Underwriter Agent—work within your defined guardrails to structure submission data, recommend pricing adjustments, and flag risks requiring human review. The AI learns from your decisions to improve recommendations over time while preserving underwriter judgment for complex specialty risks.
03
What kind of portfolio visibility does the platform provide for specialty lines?
Portfolio Intelligence provides real-time visibility into performance across lines, segments, and individual accounts. You can monitor loss ratios, premium trends, risk concentrations, and emerging patterns to make informed portfolio steering decisions before renewal cycles.
04
How quickly can we deploy new pricing models for emerging risks?
Model deployment typically takes days instead of weeks or months. The platform's governed environment allows actuaries to build, test, and deploy models rapidly while maintaining full auditability and version control. Changes can be implemented without IT dependency or system downtime.
05
Can the platform integrate with our existing policy administration and claims systems?
Yes, hx integrates with major PAS platforms and claims systems through APIs and pre-built connectors. Our integration approach preserves your existing workflows while adding intelligent pricing and underwriting capabilities on top of your current technology stack.
06
How does the platform handle complex specialty risks that don't fit standard rating models?
The platform is purpose-built for complex risks. Actuaries can leverage the power of native Python to build powerful, flexible raters to accommodate the sparse datasets and edge cases common in complex speciality risks. Raters can be rapidly deployed to underwriters to facilitate a tight feedback loop between teams. Underwriters can leverage a composable UI to review additional third-party and portfolio data during risk assessment and pricing.
07
What lines of business does the platform support for specialty and commercial insurance?
The hx platform supports all major commercial and specialty lines including property, casualty, cyber, D&O, E&O, marine, aviation, energy, and other complex specialty risks. Our Decision Engine adapts to any line of business with configurable rating logic and risk assessment workflows.
