Every Submission. Structured, Enriched, Scored.
From broker email to decision-ready risk view in under 10 minutes — intake through enrichment, triage, and audit-ready output.
Ingestion & Clearance
ACORD, SOVs, loss runs, and broker emails — ingested in any format. Fields extracted, validated, deduplicated, and OFAC-screened before anyone opens the file.
- Multi-Format Ingestion
- Automated Validation
- Sanctions Screening
What changes for your team:
Your underwriter's first view is a structured risk profile — not a folder of PDFs.
Risk Score Analysis
Real-time appetite matching.
Risk Prequalification
Every submission scored against your appetite: Preferred, Refer, or Decline. Complexity flags and priority routing surface what needs senior judgment — and filter what doesn't.
- Appetite Scoring
- Complexity Flags
- Priority Routing
What changes for your team:
Senior underwriters know which three submissions deserve their time today.
Property Data
Verified enrichment
Exposure Enrichment
Property records, CAT zones, protection class, roof age, occupancy, and credit data — pulled from 50+ providers and attached automatically. No tab-switching, no manual lookups.
- 50+ Data Integrations
- CAT & Property Metrics
- Sourced Verification
What changes for your team:
Risks that took 45 minutes to research arrive pre-researched. Review, decide, move on.
Velocity Workbench
A sequential workflow built for specialty commercial property — not generic P&C software. Intake → Parse → Enrich → Risk View, in one interface.
- Sequential Workflow
- Purpose-Built UI
- High-Velocity Output
What changes for your team:
Complete, pre-researched risk views. The analysis is done. The judgment is yours.
Ensemble Engine
Every score, flag, and appetite match traces to the source document, data provider, or rule that triggered it. No black boxes — verify any output in one click.
- Source-Tracing
- One-Click Verification
- Auditable Logic
What changes for your team:
When capacity asks why a risk was written, the answer — and the source excerpt — are already in the system.
Profitability Workbench
Automated compliance & audit trails.
Portfolio Intelligence
Real-time signals on appetite drift, CAT concentration, and loss performance by broker, segment, and geography — before quarter-end surprises.
- Real-Time Signals
- Appetite Drift Tracking
- Capacity Analytics
What changes for your team:
Capacity renewals start with data, not memory.
Your Appetite, Executable on Every Submission.
Turn underwriting guidelines into rules your team can enforce, audit, and evolve — without a developer.
Guidelines to rules — in plain English.
TIV thresholds, class-code exclusions, CAT guardrails, referral triggers. If your guidelines say it, WriteRisk enforces it on every submission.
Judgment that doesn't retire with your senior UW.
WriteRisk learns from overrides and referrals, then surfaces draft rules for CUO approval — versioned, attributed, and audit-ready before they go live.
Rules that evolve with your program.
New exclusions, thresholds, and triggers — suggested from team decisions, approved by leadership. Static binders become a living system.
One appetite standard across every desk.
No shadow guidelines. Your CUO's program vision runs consistently — protecting loss ratio and capacity trust at scale.
Example: Southeast Habitational Program
CUO writes in plain English
Flag habitational above $5M TIV in wind zones 3–4 if roof age > 15 years, or in flood zones AE/VE. Refer to senior UW with urgent priority; request roof and wind mitigation docs. Decline if 5-year loss ratio > 72% with 3+ losses and no improving trend. Under $2M TIV, verified occupancy, clean loss history → preferred review queue.
WriteRisk generates & versions
1RULE "SE-HAB-CAT-001" {2 program: SE_HABITATIONAL3 version: 1.0.0 | pending CUO approval4 priority: URGENT56 when: (7 tiv_total > 5_000_0008 AND (9 (wind_zone >= 3 AND roof_age_years > 15)10 OR flood_zone IN ["AE", "VE"]11 )12 )13 then: REFER → senior_underwriter14 reason: "Compound CAT exposure threshold"15 attach: [roof_inspection, wind_mitigation_form]16 notify: program_manager17}1819RULE "SE-HAB-LOSS-001" {20 priority: CRITICAL2122 when: (23 five_year_loss_ratio > 0.7224 AND loss_count_5yr >= 325 AND loss_trend != "improving"26 )27 then: DECLINE28 reason: "Loss frequency and severity exceed program floor"29 notify: [broker, program_manager]30}3132RULE "SE-HAB-PREFERRED-001" {33 when: (34 tiv_total < 2_000_00035 AND wind_zone <= 236 AND five_year_loss_ratio < 0.4537 AND occupancy_verified == true38 AND ofac_status == "clear"39 )40 then: QUEUE → preferred_review41}CUO writes the guideline in plain English. WriteRisk generates the rule, versions it, and routes for approval before it hits live submissions.
50+ Sources. Zero Manual Lookups.
Property, CAT, sanctions, and credit data attached before your underwriter opens the file — no separate tools or API setup.
Five Minutes. One Submission. Zero Manual Intake.
Broker emails ACORD 140, a non-standard SOV, and a loss run. Normally → queue.
WriteRisk ingests, extracts, OFAC-screens, deduplicates, and validates completeness. No one touched it.
Enrichment runs — CAT zones, property records, protection class. A wind-zone referral rule fires on two properties.
Underwriter opens a tagged referral with a complete, sourced risk profile. Sixty seconds to route.
Broker gets acknowledgment. Referral package is ready. Team time spent: 90 seconds.
Lines of Business
Built for the Lines You Write.
Pre-built workflows for specialty commercial property — COPE, occupancy, CAT, and appetite logic included.
Habitational
Unit count, occupancy mix, roof age, COPE — plus CAT zone and protection class scoring.
Office & Light Commercial
ACORD 140/160 parsing, TIV validation, tenant mix, and standard exclusion triggers.
Retail & Hospitality
ACORD 150 with liability flags and revenue extraction from supplementals.
Contractors & Artisan
ISO class mapping, subcontractor schedules, and loss run normalization.
Don't see your program? WriteRisk configures to your specialty line.
Talk to us→Your Submissions Stay Yours.
Built for security-conscious MGAs from day one — isolation, audit trails, and no training on your data.
Your data never trains our models.
Industry data powers the AI — not your submissions or your competitors'.
Strict customer isolation.
Your pipeline, rules, and portfolio data — separated at the infrastructure level.
Immutable audit trail.
Every extraction, recommendation, and override — time-stamped and reconstructable.
Get started with WriteRisk
Schedule a brief demo with our founding team to see how WriteRisk can streamline your underwriting workflow.
What You'll See
- How WriteRisk ingests submissions and extracts data in seconds
- Custom rule configuration for your specific appetite
- Real-time underwriting guidance and referral workflows
- Integrations with your existing data sources