For Underwriting Agencies & MGAs

Handle 20% More GWP
Without Adding Headcount

Mid-sized underwriting firms struggle with a high-cost production floor: manual submission entry and risk data compilation consume junior underwriter and support hours, creating bottlenecks for senior review. We automate the logic-based workflows that standard policy systems miss—recovering capacity that can be redeployed to revenue-generating underwriting work.

Calculate Your ROI See Phase 1 Sample Book Feasibility Sprint

Risk-Free Testing: $1,500 is fully refundable if we can't achieve 90%+ accuracy on your real broker submissions and asset schedules—eliminating the risk of software that fails on real-world risk data.

The Production Floor Bottleneck:
High-Volume Work Meets High-Cost Talent

Manual processing at the junior underwriter and support level creates a chain reaction of inefficiency:

Administrative Drag

Support teams spend hours on document indexing, broker submission filing, and manual policy data entry that should be automated at the source.

Technical Capacity Drain

Junior underwriters are stuck performing low-level risk data extraction and schedule checking, delaying the files that Seniors need to quote and bind.

The Capacity Solution

By automating logic-heavy tasks like submission data extraction and risk compilation, you free existing staff to handle 20% more GWP without increasing overhead.

The Result: Senior Underwriters receive "Review-Ready" submissions that require risk assessment rather than data correction. Your production floor becomes a competitive advantage instead of a cost burden.

$700K Annual Capacity Recovery
What You Can Actually Do With It

This isn't cash savings—it's recoverable labor capacity you can deploy strategically across four value paths:

$700K Annual Capacity Recovery: Revenue Growth ($150K-$300K), Cost Avoidance ($120K-$180K), Efficiency Gains ($20K-$60K), Strategic Capacity. Most underwriting firms realize 50-70% through combination of deployment paths.

Revenue Growth Path

Most Valuable Option

  • GWP Capacity: Handle 20% more GWP without adding senior underwriters
  • Revenue Potential: $150K-$300K additional annual revenue
  • Margin Impact: New revenue flows through at existing overhead structure
  • Timeline: Realized as you bind new policies (6-12 months)

Cost Avoidance Path

Immediate Financial Impact

  • Hiring Delay: Eliminate/defer 1-2 planned junior underwriter hires
  • Annual Savings: $120K-$180K avoided headcount cost
  • Overhead Reduction: No additional desks, equipment, management burden
  • Timeline: Immediate (decision not to hire)

Efficiency Path

Operational Excellence

  • Quote Speed: Quote turnaround 40% faster
  • Error Reduction: Cut rework costs by $15K-$40K annually
  • Submission Processing: Reduce submission processing time by 80%
  • Timeline: Immediate upon deployment

Strategic Path

Competitive Positioning

  • Staff Retention: Eliminate "too much data entry" exit interview complaint
  • Broker Service: Faster turnaround time = better broker relationships
  • Senior Focus: Free senior underwriters for complex risk assessment
  • Timeline: Cultural shift over 3-6 months

Critical Note: The $700K figure represents recoverable labor capacity, not direct cash savings. Most underwriting firms realize 50-70% of this value through a combination of revenue growth (binding more policies) and cost avoidance (delaying hiring). Your Phase 2 Roadmap calculates your firm-specific deployment strategy.

Beyond Basic OCR.
We Automate Underwriting Logic.

Generic tools capture text. We automate the judgment calls and internal business rules that normally require manual review by your junior underwriters and technicians.

1

Submission Data Extraction

Automated extraction of risk factors from broker slips and property schedules.

Input: Broker Slip & Property Schedule (50+ items)
Manual Process: Staff reads + re-types into Policy System → 45 min
AI Output (2 min):
LOB: ISR / Property
Sum Insured: $4.2M (extracted)
Occupancy: Manufacturing (Tier 2)
Inconsistency: Valuation date > 3yrs → Flagged

Result: 45 min → 5 min verification

2

Risk Compilation & Triaging

Intelligent data collation from valuation reports, flood maps, and loss history.

Manual: Check Flood Map → Read Loss History → Compare to Guidelines
Time: 60 minutes
AI Process:
Extract Loss Ratio → Map Perils → Cross-check Guidelines → Detect Anomalies
Time: 10 minutes verification

Result: Eliminates 50 min of prep per submission

3

Claims Document Processing

AI-powered indexing and triage of loss adjuster reports and invoices.

Manual: Index Report → Extract Estimated Loss → Check Policy Limits
Time: 3-5 hours / week
AI Search: "Extract damage summary and reserve recommendation from Adjuster Report"
Retrieves: Key findings + sub-limit breaches
Time: 15 minutes

Result: Reduces claims admin time by 80%

Audit-Grade Reliability

We provide the reporting and documentation needed to satisfy APRA CPS 234 and binder provider standards.

Governance First

For Compliance Officers

  • Cloud Sovereignty: Data stays within your private Azure, AWS, or Google Cloud environment.
  • Audit Trails: Detailed logs of every AI decision for internal and external compliance reviews.
  • Reporting: Phase 3 includes full Audit Preparation Reports for your compliance files.

Efficiency

For Operations Managers

  • Production Speed: Process high-volume submissions without expanding your technician headcount.
  • Cross-Platform: Integrates with Guidewire, Duck Creek, Steadfast, and custom Policy Admin Systems via API.
  • Custom Rules: Trained specifically on your firm's unique underwriting guidelines and risk logic.

Built for Australian Underwriting Firms

Designed to scale mid-market MGAs by optimizing the production floor.

Audit Ready

We provide comprehensive audit preparation reports to satisfy APRA and binder provider standards.

Multi-Cloud

Deployment support for your existing Microsoft Azure, AWS, or Google Cloud stack.

Team Optimized

Empowers Junior Underwriters to manage larger submission pipelines; reduces data entry backlogs.

Zero Lock-In

You own the solution. No per-submission fees. No proprietary platform lock-in.

Estimated Capacity Recovery for a 50-Person Underwriting Firm

Based on 35+ insurance underwriting firm implementations. Your Phase 1 trial validates these assumptions using YOUR actual documents.

205 hrs/wk
Capacity Recovery

Across 25 Technicians & 10 Admin staff

$700K
Annual Production Value

Recoverable capacity (not cash)

20%
Increased GWP Capacity

Without adding headcount

2-3 months
Payback Period

When capacity monetized

How These Numbers Are Calculated

Conservative assumptions based on 35+ insurance underwriting firm implementations:

  • ✓ 48-week work year (accounts for leave, holidays, non-billable time)
  • ✓ 5 hrs/week per junior underwriter (conservative - many firms report 10-15 hours)
  • ✓ 8 hrs/week per admin staff (1 full day of manual work)
  • ✓ Loaded cost rates (salary + superannuation + PI insurance + overhead)
  • ✓ Industry-adjusted for insurance underwriting document workflows

Calculation:

25 Junior Underwriters × 5 hrs/wk × $105/hr × 48 weeks = $630,000
+ 10 Admin × 8 hrs/wk × $40/hr × 48 weeks = $153,600
= $783,600 × Industry adjustment = $700,000

Your Firm's Actual Numbers: These are industry benchmarks for a 50-person underwriting firm. Your Phase 1 trial ($1,500) validates these assumptions against YOUR actual documents and workflows, producing YOUR firm-specific ROI model.

Ready to Validate Your Numbers?

Phase 1 tests YOUR documents with YOUR workflows. 90%+ accuracy or full refund.

Book Phase 1 Trial - $1,500

How The Protocol Works

Feasibility Sprint

48 Hours • $1,500

We test 15 of your most complex slips or schedules. If we don't hit 90% accuracy, you get a full refund.

Readiness Roadmap

3 Weeks • $7,500

We map your team workflows and quantify exactly where the production hours are being lost.

Compliance Shield

2 Weeks • $8-12k

Comprehensive Audit Preparation reports ensuring your AI logic satisfies APRA standards.

Implementation

30 Days • $20-30k

Deployment to your Azure, AWS, or GCP. You own the code. No per-submission fees.

Underwriting Firm FAQs

Critical questions from managing partners about capacity, compliance, and senior impact.

The Protocol is cloud-agnostic and designed for data sovereignty.

We deploy directly into your firm's existing cloud infrastructure, whether you use Microsoft Azure, Amazon Web Services (AWS), or Google Cloud Platform (GCP). This ensures your risk data never leaves your controlled environment, maintaining strict confidentiality and adhering to APRA prudential requirements for data security.

By using your own cloud, you avoid paying recurring "SaaS taxes" and maintain total control over your automation assets.

We provide the documentation you need for regulatory and binder audits.

During Phase 3 (Compliance Shield), we generate Audit Preparation Reports. These reports detail the AI logic, validation rules, and confidence thresholds used in your automation. This creates a transparent paper trail for APRA reviews or binder provider audits, documenting exactly how risk assessments are supported through accurate data extraction.

Every transaction processed by the system is logged with its original source and logic applied, ensuring full traceability of your firm's underwriting data.

Yes. The system is designed to automate the judgment-heavy logic of underwriting production.

Submission Processing: Extracts asset details, occupancy codes, and sum insured from broker slips. What currently takes 45 minutes for a junior technician reduces to 5 minutes of verification.

Risk Compilation: Collate data from valuation reports and loss history to auto-populate risk summaries. This eliminates up to 80% of the manual preparation time per quote.

Expected result: 85-90% of routine data entry automated. The remaining 10-15% are flagged for staff review, turning a 45-minute manual task into a 5-minute verification.

It's recoverable labor capacity, not cash savings.

The $700K represents the loaded cost of 205 hours per week of manual document processing work (salary + superannuation + overhead). When automated, this capacity becomes available for redeployment.

How underwriting firms typically realize this value:

  • Revenue Growth (50-60%): Bind 20% more GWP without hiring = $150K-$300K additional revenue
  • Cost Avoidance (30-40%): Delay/eliminate 1-2 planned junior hires = $120K-$180K avoided cost
  • Efficiency Gains (10-20%): Reduce quote turnaround, submission rework = $20K-$60K cash savings

Your Phase 2 Roadmap creates a firm-specific deployment plan showing exactly how YOU will monetize the recovered capacity.

Yes. Phase 1 specifically tests YOUR asset schedules and broker slips, not generic demo documents.

What we can process:

  • Broker Slip Formats: ISR, Casualty, Professional Indemnity, any LOB
  • Asset Schedules: Property addresses, sum insured, occupancy codes, construction details
  • Supporting Documents: Valuation reports, loss history, flood maps, inspection reports
  • Policy System Integration: Guidewire, Duck Creek, Steadfast, custom platforms

If we can't achieve 90% accuracy on YOUR specific documents during Phase 1, you receive a full $1,500 refund.

We build a three-layer validation system to prevent costly errors:

Layer 1 - Confidence Scoring: If the AI's confidence is below 95% on critical fields, the transaction is automatically flagged for human review.

Layer 2 - Business Logic Validation: We configure rules specific to your requirements (e.g., "Sum insured must match schedule total"). Mismatches trigger alerts.

Layer 3 - Human Review Queue: Flagged records route to your production staff for quick 15-second verification. This ensures 100% oversight on high-risk exceptions while automating the 85-90% of routine work.

Each phase is a decision gate. You control whether to proceed.

Phase 1 exit: If accuracy targets aren't met, you get a full $1,500 refund. No questions asked.

Phase 2 exit: If the Roadmap shows implementation isn't viable for your specific workflow, you stop there. You've gained a strategic analysis of your production floor for a $7,500 investment.

No long-term contracts. You're not locked into implementation until you've seen proof in Phase 1 and a detailed ROI plan in Phase 2.

Have Questions About Your Specific Workflow?

Underwriting workflows vary by LOB, binder authority, and cloud infrastructure. Book a 15-minute diagnostic call to discuss your specific production bottleneck.

Book Diagnostic Call

Prove It Works on Your Documents.
Then Decide.

Phase 1 proves the concept using YOUR actual broker submissions. See how 90%+ accuracy transforms your production floor before committing to implementation.

View Phase 1 Sample First Ready? Book Your Sprint

$1,500 • 48 hours • Full refund if we don't achieve 90%+ accuracy