AI Submission Triage
Every incoming submission is scored against your appetite, capacity, and target mix, so underwriters open the best-fit risks first instead of working a first-in, first-out queue.
Carrier Solution
AI & Automation
Apply AI where it moves the loss ratio: underwriting triage that ranks submissions by appetite fit, document intake that extracts ACORD data automatically, and compliance monitoring that flags filing gaps before regulators do — all with your underwriters in control.
AI Capabilities
Automation aimed at the work that moves your loss ratio
Automated Document Extraction
ACORD forms, loss runs, schedules of value, and supplemental apps are parsed automatically into structured data — no rekeying, with every extracted field traceable to its source page.
Compliance Monitoring
Continuous checks across state filing requirements, form versions, and producer licensing flag gaps the moment they appear — before a market conduct exam finds them for you.
Fraud-Signal Detection
Pattern analysis across applications and claims surfaces mismatched narratives, recycled documents, and anomalous loss histories, routing flagged items to your SIU workflow.
Workflow Automation
Rules-driven automation clears the routine work — renewal prep, follow-up requests, status notifications — so staff time goes to decisions instead of administration.
Risk Enrichment
Submissions are enriched with third-party property, business, and geographic data automatically, giving underwriters a complete risk picture without leaving the file.
How It Works
From first rule to trusted automation in four steps
Define your appetite and rules
Encode your underwriting appetite, authority levels, and escalation rules so every automated decision reflects how your shop actually underwrites.
Start in review mode
AI runs alongside your team first — scoring, extracting, and flagging — while underwriters see every recommendation next to the outcome they would have chosen.
Automate where accuracy is proven
Promote individual workflows to full automation only after review-mode accuracy meets the thresholds you set, one capability at a time.
Monitor and tune continuously
Dashboards track override rates, extraction accuracy, and triage hit ratios, so you can tighten or loosen automation as your book and appetite evolve.
Governance & Control
Automation your underwriters and regulators can trust
AI that cannot explain itself does not belong in underwriting. Every capability on the exchange runs inside your governance framework: human-in-the-loop controls, decision logging, and audit trails that stand up to regulator and reinsurer review. The same telemetry feeds your portfolio analytics, so you always know what the automation is doing to the book.
Explore Data & Analytics- Underwriters can override any AI recommendation, with the override captured
- Every automated decision logs its inputs, model version, and rationale
- Authority limits and referral rules are enforced on automated paths too
- Extraction results link back to the exact source document and page
- Audit-ready reporting for regulator and reinsurer model-governance reviews
FAQ
AI and automation questions, answered
Does AI make underwriting decisions on its own?
Only where you allow it. Every capability starts in review mode, where AI recommends and your underwriters decide. You promote workflows to full automation one at a time, only after review-mode accuracy meets thresholds you set — and authority limits and referral rules apply to automated paths exactly as they do to human ones.
How accurate is the document extraction?
Extraction accuracy is measured continuously and reported per form type in your dashboards. Low-confidence fields are flagged for human verification rather than passed through silently, and every extracted value links back to the exact source page so reviewers can confirm it in seconds.
Is our data used to train models for other carriers?
No. Your submissions, policies, and claims data are never used to train models that serve other carriers. Appetite rules, triage scoring, and automation thresholds are configured per carrier and remain confidential to your organization.
How does this hold up in a regulatory exam?
Every automated decision logs its inputs, model version, and rationale, and audit-ready reports summarize override rates and outcomes by workflow. That decision trail is designed to satisfy market conduct exams and the model-governance reviews reinsurers increasingly require.
Can we start with just one workflow?
Yes — most carriers begin with a single capability, typically submission triage or document extraction, and expand once the results are proven. Each capability stands alone, so there is no requirement to adopt the full suite to see value from the first workflow.
Put AI to work on the book you already write
Join Insurance Exchange and start with one workflow — submission triage or document extraction — then expand automation as the results prove themselves.