- contact@verticalserve.com
Three places AI shows up across every InsightUW workflow — concretely, with audit trails, with underwriter override on every decision.
Broker emails, ACORD forms, applications, loss runs, SOVs, BOR letters — parsed and structured at intake without manual rekeying.
Not a black-box score. A transparent signal layer feeding Composite Urgency Scoring, decision panels, and referral triggers — every signal traceable to evidence.
Quote follow-ups, declination emails, BOR notices, manuscript edits — drafted in each underwriter's email writing style: preferred tone (formal, collegial, direct, warm), length, sign-off, recurring style notes, and phrases they never want sent on their behalf.
Submission to bound policy to renewal — eight stages, one audit trail, AI overlaid where it earns its place.
Built around how P&C underwriting actually works — not how a generic workflow tool was retrofitted to insurance.
Multi-source intake — monitored shared mailboxes, broker portal, RPA bots. AI parses emails, extracts insured details from ACORD / applications / loss runs, FIFO round-robin to CBP teams.
11 configurable clearance rules, multi-entity OFAC across insured + broker + principals, AI-recommended actions per conflict with ordered next steps, role-based acknowledgement.
Three conflict types at intake (active policy, recent submission, existing open BOR), idempotent detection, auto-hold on high severity, BOR letter lifecycle with 5-day grace period.
Three-score model — priority (business importance), quality (readiness), appetite (fit). Composite Urgency Scoring consumes signals from claims, news, intelligence, exposure modules.
Rule-based + AI-recommended declines with UW final decision, voice-profile broker email, override workflow, next-best-action recommendations (alt LOB, reduced limit, surplus lines).
Per-item received / not received / waived tracking, tick-box email, AI follow-up with 4-stage tone escalation, central correspondence folder for audit.
Auto-task creation from 7 trigger types, multi-task from a single email, auto re-open on follow-ups, broker trail-off detection, bot integration, bulk discard for spam.
D&B + NAICS + SIC integrated with internal actuarial tables. Visual classification chain to hazard group + rate factor with confidence scoring + UW validation.
Self-service submission, real-time status, document sharing, integrated messaging, e-signature, broker performance scoring with hit ratios + premium volume.
Multi-adapter framework: board / executives / capital raises / news / ratings via Pulse + RSS + NewsAPI + manual entry. UW owns the contract; sources are interchangeable.
18 external providers (Capital IQ, EDGAR, D&B, CyberCube, ISO Prometrix, FEMA, Munich Re CATNet, LinkedIn) with AI Initial Analysis Report and trend detection.
Six signal types from internal claims store — open severity, recent open, frequency anomaly, NAICS peer spike, litigation, loss ratio. Decision-band panel low / medium / high / extreme.
Dedupe by content hash, AI classification (9 event types), severity scoring, entity linking, priority signals on material events at severity ≥ medium. Cascading defaults (org / lob / team / user).
Composition page wiring news + intelligence + claims-decision + ratings + submission summary + client relationship + cross-sell + prior-policy T&Cs diff + Power BI tiles.
Hybrid: Power BI registry with RLS overlay + audit for retrospective rollups; native peer-submission and NAICS benchmark panels for decision-time intelligence.
15+ seeded shortcuts (SEC EDGAR, Yahoo, Capital IQ, NAIC SBS, OSHA, EPA ECHO, CourtListener, BitSight, SecurityScorecard) with token substitution per insured / submission.
Per-LOB risk packs — FEMA flood maps, Google Street View, Munich Re CATNet, EDGAR, Capital IQ, LinkedIn, CyberCube — rendered per-location with deep-links.
Natural-language Q&A across any account, submission, or document with source citations, cross-LOB intelligence, LOB-specific underwriting questions.
Multi-engine: built-in templated rater, pure-Python Excel, Excel macro sidecar, Guidewire / Duck Creek / Majesco / Sapiens / Insurity / RPA, generic REST. Feature store, UW override + authority gate, quote summary with fees.
SOV normalization + geocoding, vendor orchestration, canonical results (AAL, PML table, EP curve), Excel macro result ingestion, unified timeline with engineering engagements.
First-class .xlsm registry with input / output named-range bindings, sidecar protocol, pure-Python builtin runner for formula-only workbooks, per-dispatch diagnostics.
Unified adapter framework for Guidewire, Duck Creek, Majesco, Sapiens, Insurity, REST APIs, and RPA bots (UiPath / Blue Prism). Populate → rate → read sessions with step audit.
14 capabilities: forms library + free-form manuscripts, save-and-lock, multi-option programs (A/B/C), template ranking, layer-aware endorsements, post-bind PAS amendments, multi-currency, follow-up cadences with voice-profile drafts.
USD / CAD / BMD / GBP / EUR — time-series FX table, pin-on-finalize, currency-aware rendering, native ↔ USD detail toggle, BMD pegged 1:1 to USD.
11 capabilities — Fac/TRIA flagging, fac placement state machine, six-source blocker aggregator, atomic bind transaction, broker first-bind milestones, binder PDF + DOCX, PAS lifecycle.
YoY exposure comparison with three-tier location matching (explicit FK → canonicalized address → fuzzy suggestion), per-LOB severity thresholds, pin-on-bind snapshots.
Auto-generate renewals from expiring policies, flag-based prioritization (AW, FAC, Punitive, Large Loss), loss run ingestion, win probability + retention forecast.
Rule-driven engine with 12 effect types — hold, route, dispatch, provision folders, rename, add note, fan-out, escalate. Smart designer with no-code rule editor + dry-run simulator.
10 capabilities: typed rules (limit / loss-ratio / NAICS / CAT-PML / authority), authority matrix, manager queue with composite urgency, quote-readiness gate, structured approval notes.
Unified override for quote, CAT, factor, tax, surcharge, feature, market condition. Authority-matrix gated, approval queue, supersede chain preserves every decision.
Auto-drafted broker follow-ups written in each underwriter's email writing style — preferred tone (formal / collegial / direct / warm), length, sign-off, recurring style notes, and blocked phrases. Configurable review window + opt-in auto-send.
Templated submission folders on SharePoint / S3 / network drive / OneDrive — multi-provider mirror, deep-links, auto-naming conventions per LOB / category, versioned case files.
Outlook OAuth send-as-UW, shared mailbox ingest, email dedup, threading, in-app chat with Teams / Slack bridges, role-based permissions, task coalescer.
NDA tracking with 5-window reminders (T-90/60/30/7/0), Legal review 9-state workflow, manuscript / endorsement review fan-out, Legal-decision back-notify, finalize gate.
Per-product cadences (e.g., Cyber/Clinic 5d/12d/21d) materialized at quote-send; generic worker dispatches every follow-up type via the registry; snooze / mark-done / reassign.
Workflow-state-scoped quick-links + Cmd-K global search across submissions, insureds, brokers, claims, policies. Multi-group queues (CBP, actuarial, CAT, risk, reinsurance, compliance, claims).
Rating / pricing / decision notes auto-tagged + dispatched to PAS as part of quote/bind audit trail. Three new PAS message types; same-day dedup; redaction lifecycle.
An audit row for every state change — who, what, when, why, with an evidence pointer. End-to-end idempotency across PAS, email, AI draft, and note dispatch paths.
Catalog + observability + replay over the 7 integration surfaces. 12 default flows, append-only exchange log, cross-system trace by correlation ID, replay via existing idempotency keys.
Manager approval notes with structured action items (originating UW / broker / Legal / manager / other) the originating UW ticks off; checklist appended to rendered PDF/DOCX.
Effective-dated authority matrix admin with change history. Drives override gates, referral triggers, approval queues, Legal team membership, manager hierarchy.
Server-side PDF + CSV print jobs with cryptographic audit. UW reports — loss runs, APR, CMR, claims history, loss control, SOV — with entity grouping and sharing.
The workstation owns the data contract; sources populate via adapters. Pulse, manual entry, NewsAPI, RSS, ratings — interchangeable. Conflict resolution at write time via source priority + a primary-row flag.
Generic REST + Guidewire + Duck Creek + Majesco + Sapiens + Insurity. Strong idempotency keys, retry queue, dead-letter, ack reconciler, dry-run mode.
Sandboxed template engine with versioning across every stage. Renders to HTML / DOCX / PDF; merge fields auto-populate from quote / submission / insured / broker context.
Inbox NOTIFICATION_TYPES registry maps type → tab / label / icon / navigate(row). Adding a notification type is a one-line change. Per-event + daily/weekly digest delivery.
Reads priority signals from any module — claims, news, intelligence, exposure — and computes a single submission priority. Adding a signal source is configuration, not code.
Email outbox + AI draft outbox + PAS outbox — all with retry policy + dead letter + delivery sweeper. Strong idempotency keys ensure replay safety across every dispatch path.
One workstation; deep LOB-specific behavior — coverage forms, risk factors, raters, referral rules, benchmarks all tailored to each line.
Underwriter, manager, compliance officer, account coordinator, broker — each gets a tailored surface over the same audit-trailed data.
Multi-adapter framework + PAS connectors + 18 enrichment providers + InsightPulse + MS Graph + Teams / Slack — every integration audited, replayable, and replaceable.
UW workstation owns the data contract. Sources are interchangeable. Pulse stays the depth source-of-truth; manual entry always wins by priority; future direct vendors slot in without page changes.
Idempotent dispatch with strong content-derived keys (connector + entity + type + version). Retry + dead letter + ack reconciler. Dry-run mode for staging deployments. Same shape across every PAS partner.
Catalog + observability + replay over 7 integration surfaces. The hub doesn't move data — best-effort logging, append-only audit, cross-system trace by correlation ID, replay via existing idempotency keys.
18 providers spanning financial, market, regulatory, geospatial, cyber. LOB-aware provider selection — Cyber → CyberCube; Property → Prometrix + FEMA + CATNet; D&O → Capital IQ + EDGAR.
Outlook OAuth send-as-UW via MS Graph, shared mailbox ingest, Teams / Slack chat bridges, SSO via SAML / OIDC, role-based permissions, NOTIFICATION_TYPES inbox registry.
Multi-provider submission-folder mirror — SharePoint, S3, network drive, OneDrive. Auto-naming conventions, deep-links, versioned case files. RPA bot integration with quality-check workflow.
Deploy on-premise or in your private cloud. AI processing happens within your network. Compliance posture built in, not bolted on.
Deploy entirely within your infrastructure. Air-gapped configurations supported. Full control over the underwriting intelligence platform without external dependencies.
All document processing and AI inference happens within your environment. Bring-your-own-LLM (Azure OpenAI / Bedrock / private model) supported. No sensitive underwriting data leaves your boundary.
SOC 2, HIPAA, and state insurance regulatory alignment. Built-in audit trails, role-based access control, encryption at rest and in transit, evidence-backed decision lineage.
Authority matrix with effective-dating + change history. Per-role / per-LOB / per-team permissions. Manager unanonymization audit on peer panels. Legal team membership routes referrals.
Every decision, every dispatch, every override carries an audit row. Strong idempotency guarantees replay safety. Pinned snapshots reconstruct what UW saw at bind time.
Per-UW blocked-topic phrases — drafts that violate them never ship. Per-LOB rule overrides. Manager override always audit-stamped. AI never makes the final call.
A 45-minute working session with a real broker email, a real submission, your LOBs, and your PAS — see AI read, decide, and draft against data you recognize.
On-premise or private cloud • 16 LOBs supported • 5 PAS connectors • Bring-your-own-LLM • Enterprise support included