Commercial Underwriting Co-Pilot
EXTRACT · ASSESS · DECIDE
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AI-powered commercial underwriting

Underwrite the risk,
not the paperwork

An agentic AI co-pilot that transforms broker submissions into validated risk insights, appetite assessments and evidence-backed recommendations — helping commercial underwriters make faster, more consistent decisions.

Processing live
Meridian Manufacturing
Commercial Property Submission · SUB-10482
Illustrative submission data
Risk Score
0
Medium
PREMIUM
$0
AI CALL
APPROVE
12/14 docs processed · 2 need verification
Processed today
0
↑ 12% vs. yesterday
Exposure scan
Illustrative Value Potential
0%
Faster time-to-quote
0+
Submissions processed
0%
Field extraction accuracy
$0M+
Risk flagged annually
Indicative demo metrics based on target-state assumptions. Actual results will vary by line of business, data quality and operating model.
Platform overview

Six agents, one decision

High-confidence extraction, human-verified

Extraction Agent

Extracts, classifies and validates structured risk data from broker emails, ACORD forms, SOVs, loss runs and other supported submission documents.

Sample output
TIV: $4.2M · Occupancy: Mfg – Light · Sprinklered: Yes
How it works

Submission to decision-ready recommendation

1
2
3
4
5
6
Submit
Broker email, ACORD forms and supporting documents ingested.
Extract & Validate
Key fields extracted, normalized and checked for completeness.
Enrich & Assess
Internal and external risk signals added and assessed.
Check Appetite
Eligibility, appetite and referral rules evaluated.
Recommend
Terms, pricing inputs and rationale prepared.
Underwriter Decision
Underwriter verifies, modifies and approves the final action.
Risk & appetite intelligence

Every Submission Enriched, Validated and Assessed

Illustrative example based on a sample submission.

Sanctions checks run0
Flood-zone matches flagged0
Catastrophe exposure reviews0
Portfolio concentration alerts0
RISK SIGNAL
SEVERITY
UNDERWRITING IMPACT
Flood
High
Referral required
Windstorm
Moderate
Deductible adjustment
Wildfire
Low
Within appetite
Portfolio concentration
Moderate
Capacity review
AI Copilot

An assistant, not an autopilot

Reads supported submission documents, no manual data entry
Cites the applicable guideline and source evidence behind every recommendation
Flags sanctions, flood zone, and catastrophe exposure automatically
Always defers the final call to a human underwriter
Underwriting Copilot
Reviewing SUB-10482
Underwriter experience

You stay in control

1
Review
Review extracted fields, risk signals, data gaps and AI rationale in one workspace.
2
Human-controlled
Verify
Trace each finding to its source document, external data source or underwriting guideline.
3
Human-controlled
Decide
Approve, modify, refer, decline or request additional information.
4
Communicate
Review and send an AI-drafted broker response, quote indication or information request.
Every review, edit, override and decision is recorded.
Business impact

Target Business Outcomes

Illustrative value potential — actual outcomes depend on portfolio, documents and implementation scope.

Speed
Faster submission intake, triage and decision preparation.
Productivity
Reduced manual document review and data entry.
Consistency
Standardized appetite, risk and guideline application.
Portfolio Discipline
Earlier identification of high-risk, out-of-appetite and accumulation exposures.
Traditional vs AI Co-Pilot

The difference is the wait

TRADITIONAL
AI CO-PILOT
Manual document intake and rekeying
Automated extraction with human verification
Information spread across multiple documents
Consolidated submission view
Guidelines distributed across systems
Contextual appetite and guideline checks
Risk assessment varies by available data
Consistent framework with explainable factors
Manual preparation of notes and referrals
AI-drafted summaries and referral memos
Limited traceability across hand-offs
End-to-end decision and override audit trail

Ready to transform commercial underwriting?

Experience how the Commercial Underwriting Co-Pilot converts a broker submission into validated risk insights, appetite findings and an evidence-backed recommendation.