Underwriting & Risk Selection

Submission Triage, Exposure Analysis & Pricing Support

Underwriters see far more submissions than they can write, and the work of deciding which to look at is itself the bottleneck. Schedules of values, loss runs, surveys and broker emails all have to be read before a risk can be rated at all. Scalata's agentic AI platform triages the inbox, extracts the exposure, and puts a priced, comparable submission in front of the underwriter.

MinutesFrom submission received to structured exposure

AutomatedLoss run & schedule of values extraction

ConsistentAppetite screening across every submission

TraceableEvery rating input back to its source document

How it works

The four-step journey

The same shape every time: name what is going wrong, put the documents somewhere they can be read, let people ask questions of them, and then hand the repeating parts to agents that do not need asking.

01
Confronting Submission Volume & Manual Exposure Capture
Submissions arrive as email threads with attachments in whatever format the broker uses. Rekeying schedules and loss runs consumes the underwriting day, appetite screening happens inconsistently, and good risks are lost to response time rather than to price.
Unstructured submissionsManual rekeyingInconsistent appetite screeningSlow quote turnaround
02
Building a Unified Underwriting Data Core
Submissions, schedules, loss runs, surveys and prior policies are ingested and normalised into one exposure record per risk, with every field traceable to the document it came from.
Document AISchedule of values extractionLoss run normalisationBroker submission parsing
03
Activating Intelligent Exposure & Pricing Analytics
Exposure is aggregated by peril, geography and class, tested against your appetite and accumulation limits, and compared with how similar risks were priced and how they performed.
Conversational AIAccumulation & aggregation analysisAppetite & referral screeningComparable risk benchmarking
04
Full Automation with Proactive Underwriting AI Agents
Out-of-appetite submissions are declined with a reason the broker can act on, in-appetite ones arrive rated and ranked, and agents monitor the bound book for aggregation building up where nobody was watching.
Automated triage & declineRated submission packsAccumulation alertsRenewal preparationAI Agents

Strategic Outcome

Underwriters spend their time on the risks worth their judgement rather than on the ones that were never going to be written. Quote turnaround stops depending on how fast a schedule can be rekeyed, and portfolio accumulation is visible while it is building rather than after a loss.

Who Scalata serves