The book, read end-to-end
Underwriting is more than the new-business submission. It is the early renewal, the mid-term endorsement adding millions in TIV, the broker's limit request, the inspection report. Owl reads everything that hits the desk, builds the record, prices against your reference book, and drafts the work.
60%
Of UW day spent re-keying data
46%
Submissions declined unread
1.4×
Renewal volume vs. new business
Three AI agents on every account. New business, renewal, endorsement and beyond.
Pick a moment in the underwriting day. See what Owl reads, decides, and drafts.
New business, renewal, mid-term endorsement, referral and portfolio review: same three agents, same discipline, different work product.
Loss-run shows a 2023 fire loss of $1.4M at Location #144 (Norfolk VA) coded "miscellaneous"; not surfaced in broker email or supplemental. ISO ClaimSearch confirms total loss + business interruption.
38 locations report Coverage A below 70% of reconstruction cost per CoreLogic + RSMeans regional index. Schedule-wide ITV gap ~$112M. Subjectivity: Marshall & Swift verification on top-25 TIV locations.
County permit data shows roof replacement on 41 locations not reflected on SOV. Likely adjustment in insured’s favor; request updated SOV before bind.
Quote at $4.62M premium with $250K AOP / 3% wind deductible, RCV with 115% margin clause. Indication is 8% above expiring on +14% TIV growth, defensible against the loss history once the undisclosed Norfolk fire is added. Attach four subjectivities: M&S verification on top-25 TIV, roof-age cert on schedule >15yr, sprinkler tag on Location #144, and signed loss-run reconciliation. Indication memo, quote letter and subjectivity list drafted.
How Owl plugs into the underwriting day. Submission to renewal to portfolio.
Inbox, queue
Submissions, renewals, endorsements, broker questions and inspection reports arrive together. Owl reads everything in seconds and writes structured records into your PAS.
Clearance, appetite, referral
Conflict, BOR, appetite, capacity, treaty, authority: checked on every transaction. The right work hits the right desk before the broker has refreshed their inbox.
Underwriter takes ownership
Loads the account with structured exhibits, year-over-year drift, external signals, and a draft posture (quote / renew / endorse / decline / refer). Validates and edits.
Owl drafts the work product
Indication, quote, renewal terms, endorsement pricing, declination, referral memo, broker reply. Every span cited. UW approves with one click.
Bind, audit, portfolio
UW makes the call. Owl writes the bind, books to PAS, files the audit trail, and feeds the data into portfolio + treaty views the CUO sees on Monday.
Numbers from carriers running Owl across the underwriting day.
Built for the regulatory shape of multi-state, multi-line underwriting.
Lives where your underwriting team lives.
Policy admin systems
Guidewire PolicyCenter, Duck Creek, Majesco, Insurity, Sapiens, in-house
Submission + renewal intake
Outlook, Salesforce, Bold Penguin, Indio, AppulateOne, Whitespace
Industry data
ISO ClaimSearch, Verisk, LexisNexis, CoreLogic, NCCI, D&B, FMCSA, ZoomInfo
Broker connectivity
ACORD AL3/XML, email, APIs, Lloyd’s PPL, WTW Quantum
Rating, actuarial, portfolio
Earnix, Akur8, in-house rating, reference book, treaty cession ladder
Identity & SSO
Okta, Azure AD, PingFederate, SAML, SCIM
Bring us a week of inbox. We’ll send back the file your UW would have built, for every account on it.
Two-week pilot. Your stream, your tenant, your appetite. We measure submission-to-quoteable time, renewal-cycle, endorsement turnaround, hit ratio, retention and loss-ratio drift against your team’s ground truth.