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Specialty Insurance
E&S carriers · MGAs & program administrators · specialty P&C underwriting teams
In specialty lines, the first credible quote usually wins, and the bottleneck is almost never underwriting judgment. It’s the hours between a broker’s email landing and a human deciding the risk is even in appetite. Fix intake and you’ve bought more capacity than any hiring plan.
The quote you lost was lost in the inbox.
AIG is rebuilding underwriting around AI. The same pattern fits a forty-person MGA.
The old way
Whoever opens the inbox does the triage.
Loss runs re-keyed before anyone can rate.
Declining a risk takes as long as quoting one.
No record of why business was lost, because submissions were never structured.
The new way
Every submission read, structured, and appetite-scored on arrival.
Loss runs feed rating directly.
In-appetite risks reach underwriters first; declinations draft themselves.
A hit-ratio dataset finally exists, by broker and by class.
AIG has been public about rebuilding commercial underwriting around generative AI: this analysis of their strategy is a fair summary of where the top of the market is headed: submissions read by machines, underwriters spending their hours on risk selection.
And the intake tooling itself has become commodity: submission triage guides read like product catalogs now. Which means the tools are not your edge. Your appetite rules, your broker relationships, and your hit-ratio data are, and only the last one doesn’t exist yet. On value, take the category leader’s own number: Federato markets quotes going out 89% faster. A vendor’s claim, so verify it on your submissions; that verification is a service we run.
At your size, the same edge looks like this. Intake is a bounded problem: read the email, the ACORDs, the SOV, and the loss runs into structured risk data; triage against your appetite; put in-appetite work in front of underwriters first. The differentiators stay yours. The bottleneck stops being the inbox.
- Week 1Instrument the funnelWhere submissions actually wait, by broker and by class. Usually a surprise, always a number.
- Weeks 2–8The sprintSubmissions and loss runs through extraction and appetite triage, with your underwriters approving.
- Quarter twoThe dataset you never hadEvery submission structured means the hit-ratio analysis finally exists. Pricing analytics start here.
Fix intake first: everything else compounds from there
Fix intake. Buy capacity.
- 01Submission intake that reads the email, the forms, the SOV, and the loss runs into structured risk data
- 02Automated clearance and appetite triage so underwriters see in-appetite work first
- 03Loss-run extraction feeding straight into rating
- 04Quote-turnaround instrumentation: where the hours go, by broker and by class
- 05A hit-ratio dataset that exists because every submission is now structured