Forward to: Underwriting

Underwriting Intelligence
Workflows

Ten agent workflows for the Underwriting team — automated risk assessment enrichment, applicant digital footprint analysis, business verification, exposure evaluation, submission triage, loss history correlation, premium adequacy checks, policy binding intelligence, renewal risk scoring, and portfolio concentration monitoring — transforming raw submissions into data-driven underwriting decisions.

1Applicant Digital Footprint Analysis

AI agent analyzes the complete digital footprint of insurance applicants by examining their web presence across all 20 page types — revealing business maturity, operational scale, and risk indicators that traditional applications miss.

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Analyze Applicant Web Presence
/about /careers /leadership /investors /products OpenPageRank Domain Ages IAB Categories
APPLICANT DIGITAL FOOTPRINT — SUBMISSION #UW-2026-4891 ════════════════════════════════════════════════════════ APPLICANT: Meridian Manufacturing Inc. Domain: meridianmfg.com Policy Type: Commercial General Liability + Property DIGITAL FOOTPRINT ANALYSIS: Domain Age: 5,847 days (16 years) | PageRank: 5.2/10 IAB: Manufacturing | Country: United States /about: Est. 2010, 340 employees, 3 facilities /careers: 18 active positions — indicates growth /leadership: Full C-suite listed with bios /investors: Not present — likely private company /products: Industrial valves, pumps, custom fabrication /security: ISO 9001 certified, safety protocols page /compliance: OSHA compliance documentation APPLICANT #2: QuickBuild Contractors LLC Domain: quickbuildcontractors.net Policy Type: Contractors Liability Domain Age: 234 days | PageRank: 0.8/10 IAB: Construction | Country: United States /about: Minimal — "family owned since 2024" /careers: Not present | /leadership: Not present /security: Not present | /compliance: Not present /products: Generic services list, no project portfolio RISK FLAG: Thin digital footprint for stated $5M revenue
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Generate Underwriting Risk Score
Domain Signal
Digital Maturity Index — Meridian Manufacturing scores 87/100 on digital maturity (16/20 pages present, high PageRank, 16-year domain). QuickBuild scores 22/100 (4/20 pages, low PageRank, new domain). Digital maturity correlates with operational discipline and claims frequency.
Digital maturity predicts 34% of claims variance
Sector Signal
Construction Sector Alert — New contractor domains (under 2 years) in construction IAB category show 2.8x higher claims frequency than established firms. QuickBuild matches this high-risk profile exactly.
New contractor domains: 2.8x claims frequency

2Business Verification & Validation

AI agent cross-references applicant claims against their actual web presence — verifying employee counts, revenue indicators, operational locations, and business activities to catch misrepresentations before binding.

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Cross-Reference Application Data
/about /careers /contact /press Countries Domain Ages
BUSINESS VERIFICATION — 47 SUBMISSIONS THIS WEEK ════════════════════════════════════════════════════════ DISCREPANCY DETECTED — Submission #UW-2026-5012 Applicant: globallogisticspro.com Application states: 500 employees, $120M revenue, 12 locations /about: "Team of 45 dedicated professionals" /careers: 2 open positions (consistent with small firm) /contact: Single office address — Phoenix, AZ /press: Not present VERDICT: Material misrepresentation — employee count 10x overstated ACTION: Return to broker for clarification, flag for SIU review VERIFIED — Submission #UW-2026-5013 Applicant: pacificcoastfoods.com Application states: 200 employees, $45M revenue, 4 locations /about: "200+ team members across 4 processing facilities" /careers: 14 positions — consistent with stated size /contact: 4 facility addresses listed — matches application /press: Recent expansion announcement — $8M facility upgrade VERDICT: Verified — all application data consistent with web presence
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Track Verification Accuracy
Verification Timeline
2026-02-19 47 submissions verified — 6 discrepancies found (12.8%)
2026-02-12 52 submissions verified — 8 discrepancies found (15.4%)
2026-02-05 39 submissions verified — 4 discrepancies found (10.3%)
2026-01-29 Domain intelligence verification program launched

3Submission Triage & Prioritization

AI agent automatically scores and prioritizes incoming submissions based on domain intelligence — routing high-quality, well-documented risks to senior underwriters and flagging thin-profile submissions for additional scrutiny.

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Score & Route Submissions
/about /products /security /compliance OpenPageRank Domain Ages Web Filtering
SUBMISSION TRIAGE — MORNING QUEUE (23 NEW SUBMISSIONS) ════════════════════════════════════════════════════════ TIER 1 — Premium Quality (route to Senior UW) techcorpindustries.com — Score: 94/100 16/20 pages, PR 6.1, Age 12yr, /security + /compliance present atlantahealthsystems.org — Score: 91/100 18/20 pages, PR 7.3, Age 8yr, full leadership team listed TIER 2 — Standard (route to Underwriting Pool) midwestplumbing.com — Score: 58/100 8/20 pages, PR 2.4, Age 6yr, basic web presence sunriseretail.com — Score: 52/100 9/20 pages, PR 3.1, Age 4yr, /products present but thin TIER 3 — Enhanced Scrutiny Required rapiddeliveryservices.io — Score: 18/100 3/20 pages, PR 0.2, Age 87 days, minimal web presence premiumcleaningco.net — Score: 12/100 2/20 pages, PR 0.0, Age 34 days, possible shell company

4Exposure Evaluation & Hazard Analysis

AI agent evaluates business exposure by analyzing the applicant's products, services, and operational footprint through their web presence — identifying hazard classes, product liability exposures, and environmental risks.

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Map Business Exposures from Web Data
/products /about /sustainability /compliance IAB Categories Personas
EXPOSURE ANALYSIS — Submission #UW-2026-5034 ════════════════════════════════════════════════════════ Applicant: advancedchemsolutions.com Requested: Commercial Package + Pollution Liability EXPOSURE MAPPING FROM WEB INTELLIGENCE: /products: Industrial solvents, specialty coatings, adhesives → Product liability: Chemical exposure class — HIGH → Storage/transport: Hazmat classification likely /about: 3 manufacturing plants, 2 distribution centers → Property concentration: 5 locations vs. 3 stated on applicationDISCREPANCY: 2 undisclosed distribution centers /sustainability: EPA compliance program, waste reduction targets → Environmental management: Active program in place /compliance: REACH, TSCA certifications referenced → Regulatory exposure: Chemical manufacturing regulations apply Personas: Industrial buyers, automotive OEMs, construction → Customer liability chain: Products enter high-hazard industries RECOMMENDATION: Require additional premises schedule, increase product liability limits, add pollution buyback endorsement

5Renewal Risk Scoring

AI agent monitors existing policyholders' web presence changes between renewal cycles — detecting business expansions, contractions, leadership changes, and operational shifts that impact risk profiles and pricing adequacy.

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Monitor Policyholder Changes
/careers /about /press /products OpenPageRank Change Detection
RENEWAL RISK MONITORING — Q1 2026 RENEWALS (847 POLICIES) ════════════════════════════════════════════════════════ HIGH PRIORITY — Risk Profile Changed Significantly greatlakesmanufacturing.com — Policy #CGL-2024-8891 /careers: Dropped from 34 positions to 2 (94% reduction) /press: Announced facility closure in Toledo /about: Employee count removed from website PageRank: Dropped 2.1 points in 6 months SIGNAL: Business contraction — review payroll exposure basis expandotechgroup.com — Policy #CGL-2024-7723 /products: Added drone delivery services (new line of business) /careers: Added 23 new positions (drone operators, engineers) /press: $40M Series C funding for autonomous fleet expansion SIGNAL: New aviation/drone exposure — policy may need endorsement STABLE — No Significant Changes (789 policies) Digital footprint stable within normal variance
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Generate Renewal Recommendation

Renewal Intelligence Report — Q1 2026

PORTFOLIO RENEWAL SUMMARY ──────────────────────────────────────── Total renewals monitored: 847 policies Risk profile changes detected: 58 (6.8%) — Significant deterioration: 12 policies — New exposures added: 23 policies — Positive improvements: 18 policies — Neutral changes: 5 policies PREMIUM IMPACT ESTIMATE Recommended increases (risk deterioration): +$2.4M Recommended decreases (risk improvement): -$890K New endorsements needed: $1.1M additional premium Net portfolio adjustment: +$2.6M (+3.1%)

6Loss History Correlation

AI agent correlates historical loss data with domain intelligence patterns — identifying which web presence characteristics predict higher claims frequency and severity to build predictive underwriting models.

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Correlate Web Signals with Loss Data
/security /compliance /careers Domain Ages OpenPageRank
LOSS CORRELATION ANALYSIS — 5-YEAR BOOK (12,400 POLICIES) ════════════════════════════════════════════════════════ TOP PREDICTIVE WEB SIGNALS: 1. /security page presence With /security: Loss ratio 42% | Without: Loss ratio 67% Correlation: Companies with security pages have 37% fewer claims Explanation: Indicates safety-conscious culture 2. Domain age vs. claims frequency Age >10 years: 0.8 claims/year | Age <2 years: 3.2 claims/year Correlation: New businesses file 4x more claims Explanation: Operational inexperience, less risk management 3. /careers page (hiring activity) Active hiring: 1.4 claims/year | Stable: 0.9 claims/year Correlation: Rapid growth correlates with 55% more claims Explanation: New employees, changing processes, growing pains 4. /compliance page presence With /compliance: Loss ratio 38% | Without: Loss ratio 61% Correlation: 38% reduction in loss ratio Explanation: Regulatory awareness predicts operational discipline

7Premium Adequacy Assessment

AI agent evaluates whether current premiums adequately reflect the risk by comparing the insured's digital profile against similar companies in the portfolio — identifying under-priced and over-priced accounts.

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Compare Risk Profiles Across Portfolio
/about /products /investors IAB Categories OpenPageRank Personas
PREMIUM ADEQUACY — MANUFACTURING SEGMENT (342 POLICIES) ════════════════════════════════════════════════════════ UNDER-PRICED (37 accounts): precisionmetalworks.com — Premium: $48K | Peer avg: $72K Risk score: 45/100 | Peers at similar score: $68-78K /products: Custom metal fabrication (high hazard) Missing /security and /compliance pages Recommendation: Increase to $71K at renewal (+48%) OVER-PRICED (23 accounts): greenvalleyfarms.com — Premium: $34K | Peer avg: $19K Risk score: 88/100 | Peers at similar score: $17-22K 18/20 pages present, excellent digital maturity /security + /compliance + /sustainability all present Recommendation: Reduce to $21K at renewal (-38%) PORTFOLIO IMPACT: Total under-pricing exposure: $1.8M in premium gap Retention risk from over-pricing: $890K premium at risk

8Policy Binding Intelligence

AI agent provides real-time intelligence at the point of binding — final verification checks, last-minute risk signals, and automated compliance validation to ensure underwriting quality at the moment of commitment.

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Pre-Binding Verification Scan
/about /legal /press Domain Ages OpenPageRank Change Detection
PRE-BINDING SCAN — 8 POLICIES QUEUED FOR BINDING TODAY ════════════════════════════════════════════════════════ CLEARED FOR BINDING (6 policies): No material changes since submission. Web presence stable. All business verification data still consistent. HOLD — DO NOT BIND (1 policy): westcoastdistributors.com — Policy #UW-2026-5067 CHANGE DETECTED SINCE SUBMISSION (14 days ago): /press: NEW — "WestCoast Distributors files Chapter 11 bankruptcy" /careers: All positions removed /leadership: CEO resignation announced ACTION: Suspend binding, escalate to VP Underwriting CONDITIONAL BIND (1 policy): sunbeltconstruction.com — Policy #UW-2026-5071 /products: Added demolition services since submission ACTION: Bind with demolition exclusion, request updated app

9Portfolio Concentration Monitoring

AI agent monitors portfolio concentration risks by analyzing the industry, geographic, and size distribution of insured businesses using domain intelligence — identifying dangerous aggregations before they become catastrophic.

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Analyze Portfolio Concentrations
/about /contact IAB Categories Countries Web Filtering
PORTFOLIO CONCENTRATION ANALYSIS — $2.1B BOOK ════════════════════════════════════════════════════════ CONCENTRATION ALERTS: 1. GEOGRAPHIC — Southeast US over-concentrated Florida: 18.4% of book (limit: 12%) Georgia: 9.2% | South Carolina: 7.1% Combined SE hurricane zone: 34.7% (limit: 25%) Based on: /contact addresses + Country enrichment ACTION: Restrict new SE submissions until ratio improves 2. INDUSTRY — Restaurant sector growing fast IAB: Food & Drink businesses: 14.8% (limit: 15%) Growth rate: +2.3% this quarter Based on: IAB category enrichment + /products analysis ACTION: Monitor closely, prepare capacity management plan 3. SIZE DISTRIBUTION — Well balanced Small (<$50K premium): 42% | Mid ($50K-$250K): 38% Large (>$250K): 20% Based on: PageRank + /careers as revenue proxies Within acceptable ranges for all tiers

10Underwriting Performance Analytics

AI agent tracks and reports on underwriting performance metrics enhanced by domain intelligence — measuring how digital footprint scoring improves selection, pricing accuracy, and portfolio quality over time.

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Measure Domain Intelligence Impact
/about /security /compliance OpenPageRank Domain Ages
UNDERWRITING PERFORMANCE — DOMAIN INTELLIGENCE IMPACT ════════════════════════════════════════════════════════ BEFORE vs. AFTER DOMAIN INTELLIGENCE (12-month comparison) Submission Processing: Avg triage time: 4.2 min (was 45 min) — 10x faster Auto-scored submissions: 78% (was 0%) Misrepresentation catch rate: 94% (was 23%) Selection Quality: New business loss ratio: 38% (was 52%) — 14pt improvement Declined-but-written-elsewhere loss ratio: 71% (validates declines) Hit ratio improvement: +12% (better risk selection) Portfolio Performance: Overall loss ratio: 44% (was 56%) Premium adequacy score: 87/100 (was 62/100) Renewal retention: 91% (was 84%)
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Track ROI of Domain Intelligence

Domain Intelligence ROI — Underwriting Division

ANNUAL IMPACT SUMMARY ──────────────────────────────────────── Misrepresentations caught: 312 submissions ($47M in avoided exposure) Premium adequacy corrections: $4.2M in recovered premium Loss ratio improvement: 12 points ($18.6M in reduced losses) Underwriting efficiency gain: 4.8 FTE equivalent Renewal retention improvement: +7% ($12.3M in retained premium) TOTAL ANNUAL VALUE: $82.1M Database subscription cost: $24,999/year ROI: 3,284x return on investment
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