AI-native specialty underwriting
Turn messy submissions into decision-ready risk in hours.
WriteRisk is an AI-native underwriting workbench for US commercial specialty MGAs that turns PDFs, emails, and spreadsheets into clean, consistent underwriting decisions.
Request early accessBuilt with specialty underwriters and insurance transformation leaders.
The problem
Specialty underwriting is breaking.
Specialty underwriting is still running on email, spreadsheets, and manual workflows while volumes rise and capacity tightens. The result is leakage, slow quotes, and pressure from capacity providers.
Broken data
Submissions arrive as PDFs, emails, spreadsheets, and scans.
Premium leakage
Inconsistent data and manual classification erode profitability.
Capacity pressure
Carriers pull back quickly when loss ratios slip or controls look weak.
Slow quotes
Brokers expect 48–72 hour turnaround; manual workflows take days or weeks.
Solution
An AI-native underwriting workbench for specialty MGAs.
WriteRisk gives your team a single workbench for ingesting messy submissions, fixing broken data, and powering faster, more consistent decisions on commercial specialty programs.
From messy to clean data
Clean, normalized risk data from PDFs, emails, spreadsheets, and scans, enriched with property and specialty data.
From days to hours
Opinionated workflows for habitational, office, retail, and hospitality move submissions from intake to quote in hours, not weeks.
From leakage to consistent decisions
Program rules, COPE checks, and real-time rating run on every submission so decisions are consistent, explainable, and audit-ready.
How it works
Three layers that mirror how great underwriters think.
Ingestion & enrichment
All submissions land in one pipeline. WriteRisk extracts, normalizes, and enriches data with property records, imagery, CAT metrics, and more.
Belief & rules
Conflicts in key fields are detected and scored. Appetite, eligibility, COPE, CAT, and regulatory rules run automatically on every risk.
Underwriting & decision
Underwriters see a single, explainable risk view. Each case routes to straight-through, review, or decline, with broker questions and notes generated for you.
For leadership
For CEOs, CUOs, and program owners.
Grow premium while strengthening control of loss ratios and capacity relationships.
- Improve loss performance with fewer manual errors and misclassifications.
- Protect and grow capacity with audit-ready controls and portfolio visibility.
- Scale premium without scaling headcount at the same rate.
- See program performance by broker, segment, and CAT zone.
WriteRisk turns your underwriting workbench into an asset you're proud to show capacity providers.
Portfolio visibility
Loss ratio
62.3%
↓ 4.2%
Premium growth
+12%
↑ YTD
Straight-through
38%
↑ 12%
Avg. quote time
18 hrs
↓ 72%
Risk view
Appetite: 82For underwriters
Built for the way specialty underwriters actually work.
Underwriters should spend their time exercising judgment, not hunting through PDFs.
- Less data wrangling, more time underwriting.
- One clean risk view instead of scattered files and tabs.
- Appetite and complexity scores that make prioritization obvious.
- Workflows for habitational, office, retail, and hospitality with COPE, roof, occupancy mix, CAT, and protection baked in.
WriteRisk feels like a digital underwriting partner, not another system to wrestle with.
Who it's for
Focused on US mid-market specialty MGAs.
We're focused on the segment where we can create outsized impact quickly.
- US-based specialty MGAs and program administrators.
- Roughly $10–50M in commercial property premium.
- Programs in habitational, office, retail, and hospitality.
- Teams stuck between rigid legacy cores and heavyweight enterprise platforms.
If this sounds like you, let's start with your highest-friction program.
Request early accessEarly access
Join the early access cohort.
We're partnering with a small group of US specialty MGAs and Insurers to prove what an AI-native workbench can do for their most challenging property programs.
We review every submission to ensure a strong fit.