AI-Powered
Underwriting &
Risk Scoring
Replace slow, manual underwriting with real-time AI risk assessment. Price policies more accurately, approve faster, and reduce loss ratios — across every line of business.
The front half of the AI insurance stack. Paired with Claim.AI for a complete closed-loop platform.
The Complete AI Insurance Stack
Two platforms, one closed-loop system. Risk.AI scores the risk. Claim.AI processes the claim. Together, they learn and improve continuously.
Risk.AI
Pre-Policy • Underwriting • Risk Selection
- ✓ AI risk scoring & enrichment
- ✓ Automated underwriting workbench
- ✓ Policy pricing optimization
- ✓ Portfolio risk intelligence
- ✓ Catastrophe modeling
Claim.AI
Post-Policy • Claims • Settlement
- ✓ White-label claims portal
- ✓ AI damage estimation (photo/video)
- ✓ Straight-through adjudication
- ✓ Fraud detection at intake
- ✓ Litigation risk prediction
Feedback Loop: Claims outcomes from Claim.AI feed back into Risk.AI underwriting models in real time. Every claim makes future underwriting smarter. No other vendor offers this.
Three Products. One Underwriting Brain.
Underwriting Workbench
AI-augmented underwriting for commercial and personal lines. Ingest applications, auto-enrich from 50+ sources (satellite, IoT, court records, weather), get real-time risk scores with explainable factors. Straight-through decisioning for simple risks.
Portfolio Risk Intelligence
Monitor your entire book of business in real time. Loss ratio prediction by segment, concentration risk alerts, catastrophe modeling with AI weather integration, and renewal optimization — which policies to renew, reprice, or non-renew.
Risk ↔ Claims Loop
The killer feature. Bidirectional data flow with Claim.AI: underwriting decisions feed forward for fraud detection; claims outcomes feed back to improve risk models. Closed-loop learning that gets smarter with every policy and every claim.
50+ Data Enrichment Sources
Go beyond the application. Risk.AI enriches every submission with real-time data that underwriters can't access manually.
Every Line of Business
Pricing That Scales With Your Book
Core
Single line of business
- ✓1 line of business
- ✓Underwriting workbench
- ✓Risk scoring API (10K calls/mo)
- ✓Basic data enrichment
- ✓Risk dashboard
- ✓Email support
Professional
Multi-line with portfolio intelligence
- ✓3 lines of business
- ✓Portfolio risk intelligence
- ✓50+ data sources
- ✓Catastrophe modeling
- ✓Straight-through automation
- ✓API access (100K calls/mo)
- ✓Priority support
Enterprise
Unlimited lines + Claim.AI integration
- ✓Unlimited lines of business
- ✓Claim.AI feedback loop
- ✓Custom risk models
- ✓Dedicated CSM
- ✓Unlimited API access (SLA)
- ✓On-prem deployment option
- ✓Custom integrations
Bundle with Claim.AI for 20% off combined license.
Underwrite Smarter. Starting Now.
Join the early access program. Get a free underwriting assessment for your book of business.