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The underwriting desk for commercial lines.

WriteRisk reads the submission, runs your program rules, and scores it against your appetite — the first structured output in about 15 minutes, fully read, checked, and triaged in under an hour. Every call carries its reasoning. Your underwriters still decide.

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This morning's queueHabitational · Texas9:52 AM
Portico Property Mgmt$48.2M · Katy, TX
reading…
Cinco Ranch Villas$22.4M · Katy, TX
queued
Highland Knolls Apts$18.9M · Houston, TX
queued
Bayou Bend Center$27.6M · Baton Rouge, LA
queued
Silverlake Office Park$34.1M · Tampa, FL
queued
14 more in the inbox
Portico Property Management, LLCSUB-2026-04812
SOV_Portico_2026.xlsxACORD 140Loss_Run_3yr.pdf
Roof year2003

SOV says 2003, ACORD 140 says 2008. SOV preferred — source confidence 0.72 vs 0.61. At 23 years it is approaching the 25-yr roof-age watch threshold.

CATTier 1 wind (hurricane) zone

Program requires a 5% named-windstorm deductible here. Delegated authority caps at 3%.

REFERProgram Head — deductible above delegated authorityread in 38 min
18 read since 8:00 AM11 straight-through6 referred1 declinedevery one with its reasoning attached
SOV normalizationCOPE completenessTIV aggregationRoof age verificationISO construction classProtection class · PC 1–10Occupancy mixTier 1 windLoss run triangulationACORD 140 / 125Secondary modifiersSOV normalizationCOPE completenessTIV aggregationRoof age verificationISO construction classProtection class · PC 1–10Occupancy mixTier 1 windLoss run triangulationACORD 140 / 125Secondary modifiers
Appetite scoringAuthority checkReferral packetDelegated (binding) authority limitsCapacity attributionDeclination reason captureBordereau readinessSource confidence profileStraight-through quoteHabitational playbookShopping mall occupancy playbookAudit trailAppetite scoringAuthority checkReferral packetDelegated (binding) authority limitsCapacity attributionDeclination reason captureBordereau readinessSource confidence profileStraight-through quoteHabitational playbookShopping mall occupancy playbookAudit trail

The problem we solve

Your best underwriting lives in three people's heads.

Appetite nuance, exception logic, the red flags on the fourth read — none of it is written down. So every submission gets underwritten a little differently. And when someone retires, twenty years of pattern recognition leaves with them.

Hab_Appetite_2024_FINAL_v7.xlsxManual
#
Construction
TIV
1
Frame
2,140k
2
WOOD FRAME
1,880k
3
Fr.
3,020k
4
Class 1
1,410k
5
2,660k
1,240 locations · 3 spellings of the same thing
Inbox412
RE: RE: Fwd: Katy TX SOV — updated (3)
Is this the final loss run?
Need indication by Thursday COB
Broker asking again
Loss_Run_3yr.pdf · scanned · not searchable
Program guidelines — Habitational
Frame construction excluded above 3 storeys
Max TIV per location $25M
Refer all Tier 1 wind
Last updated Mar 2023
Priya · Senior UW
“Only she knows we stopped writing frame in Harris County.”
Dave · Program Head
“Retiring in March.”
Marcus · Senior UW
“The exception logic is in his head.”
ask Dave re: roof — 25yr watch or 30yr referral?

How we solve it

Write the judgment down once. Run it on everything.

Your rules, appetite, and exception logic become one working view of the risk — a recommendation the underwriter can accept or overrule, the conflicts that stand in the way, and the signals behind both.

Portico Property Management, LLC
Commercial Property·Katy, TX·$48.2M TIV·Effective Apr 1, 2026·SUB-2026-04812
WriteRisk recommendationcited to source
Refer to Program Head — named-windstorm deductible

Don't decline this one. Construction, protection class, and TIV all sit inside habitational appetite and the loss history is manageable at this rate. Two things trigger a referral at your authority: the 2003 roof is approaching the 25-yr roof-age watch threshold on a Tier 1 wind location, and the named-windstorm deductible the program requires sits above AUTH-WIND-02. Program Head sign-off clears both.

My decisionNo decision yetSet status

The workbench

Everything between the broker's email and the decision-ready risk.

Point tools automate one step and hand you back the mess. WriteRisk runs the whole path on one shared record of the risk.

01Ingestion & Enrichment
Every format the broker sends.
Reads PDFs, emails, spreadsheets, scans, ACORD forms, SOVs, loss runs
Normalizes 1,000+ location SOVs into one consistent structure
Enriches with property records, imagery, CAT metrics, occupancy data
Resolves conflicts between sources using your source-confidence profiles
Ingested · 9:14 → 9:22 AM6 documents
Broker emailSOV.xlsxACORD 140ACORD 125Loss run · scanCoreLogic
#
Location
Construction
Roof
213
1508 Katy-Fort Bend
Joisted Masonry
1998
214
1510 Katy-Fort Bend
Joisted Masonry
2003
215
1512 Katy-Fort Bend
Joisted Masonry
2011
1,240 locations normalized, 4 conflicts resolvedsource confidence: broker 0.72 · CoreLogic 0.94
02Belief & Rules
Your program, executed.
Appetite, eligibility, COPE checks, CAT exposure, regulatory constraints
Hard gates, thresholds, SIC signals and keyword triggers, per program
Missing data and out-of-appetite flags raised before anyone opens the file
Every rule versioned, every firing logged
Program rules · Habitational7 evaluated
APPETITE-TIV-01pass
APPETITE-CLASS-04pass
COPE-COMPLETE-02refer
HAB-ROOF-03pass
IF roof_age ≥ 25 AND county = hail THEN refer
Watch — roof 23 yrs, 2 yrs from the 25-yr hail-county threshold
AUTH-WIND-02above limit
REG-TX-SURPLUSpass
EXCL-HABITAT-07pass
03Underwriting & Governance
The decision and its audit trail are the same act.
Five to ten risk signals to read, not two hundred fields to fill
Authority is checked before the call is offered — nothing reaches an underwriter they cannot bind
Every recommendation traces back to the guideline clause it came from, in your program's own words
Overriding WriteRisk is a first-class action: the reason is captured with the decision, and the CUO can replay it exactly as it was made
Authority & audit · SUB-2026-04812
AuthorityAUTH-WIND-02blocked
5% named-windstorm deductible required, 3% granted. Checked before the file reached an underwriter — nobody was offered a decision they couldn't make.
Traces toAUTH-WIND-02
“A 5% named-windstorm deductible is required where delegated authority caps at 3%.”
OverridePriya R.09:54
Quoted at 5% named-windstorm deductible with a $250k AOP deductible attached. Dave approved the exception on the call; the roof is being replaced in Q3.
04Portfolio & Reporting
Your book, answerable.
Every closed risk becomes searchable history
Producer performance, decline patterns, appetite drift
Bordereau and capacity reporting from the same record
Insured
Program
TIV
Call
Portico Property Mgmt
Habitational
$48.2M
refer
Cinco Ranch Villas
Habitational
$22.4M
bound
Northgate Commons
Retail
$61.8M
refer
Highland Knolls Apts
Habitational
$18.9M
decline
Silverlake Office Park
Office
$34.1M
bound
3 risks bound outside stated wind appetiteflagged before the quarterly review
412 submissions this quarter · illustrative example, all answerablebordereau from the same record

Explainability

Nothing on this screen is a guess.

A signal is rarely one number in one document. This one is built from three, in three different files, one of them outside the submission. Click a marker to see the line it came from.

Risk signal
Deferred roof maintenancenegative

Roof installed 2003 — 23 years at inception on a Tier 1 wind location, with two water losses in five years and no re-roofing permit on the county record since construction

source confidence 0.88 · 3 sources · 1 set aside
feeds HAB-ROOF-03REFER
Evidence
1SOV_Portico_2026.xlsx · row 214
Location
Roof
213
1508 Katy-Fort Bend
1998
214
1510 Katy-Fort Bend
2003
2Loss_Run_3yr.pdf · p.2, lines 4 and 9
2023-08-11Water — roof leak, units 12–19$184,000
2021-05-02Wind$92,400
2019-03-27Water — roof leak, unit 4$41,200
3Fort Bend County permitsexternal
No roofing permit on record for 1510 Katy-Fort Bend Rd since original construction, 2003.
checked 14 Mar 2026 · 09:38
Set asideACORD 140 · field 12b2008
SOV preferred — source confidence 0.72 vs. ACORD 0.61 · resolution rule RES-ROOF-01

Across the book

Ask a question. Get an answer for every risk you've written.

Not a dashboard someone built last quarter. Type the question you actually have. When it's ambiguous, WriteRisk asks before it answers — then cites every risk it counted.

WriteRiskPortfolio · 342 written risks · illustrative example

Built for the reviews your capacity provider will run.

Your data never trains a model used by anyone else
Per-tenant isolation
Full audit trail on every extraction, rule firing, and decision
Audit log · SUB-2026-04812
09:14:02extractionSOV_Portico_2026.xlsx → 1,240 locationsagent: ingest
09:41:37rule firedAUTH-WIND-02 → above authorityagent: rules
09:52:14decision recordedREFER — Program Headuser: p.raman
214
1510 Katy-Fort Bend Rd
Joisted Masonry (ISO 2)
2003
1,880k
215
1512 Katy-Fort Bend Rd
Joisted Masonry (ISO 2)
2011
3,020k
216
1601 Cinco Ranch Blvd
Joisted Masonry (ISO 2)
1996
1,410k
217
1604 Cinco Ranch Blvd
Joisted Masonry (ISO 2)
2008
2,660k
218
22010 Highland Knolls Dr
Joisted Masonry (ISO 2)
2014
4,180k

Get started

See it run on your own submissions.

Send us one program and a month of submissions. In the demo you'll watch WriteRisk read them, score them against your appetite, and hand back a decision-ready file for each.

Book a demo