Precise Underwriting at the Speed of AI

Equip your underwriters with real-time data insights and automated risk assessment tools.

Operational Outcomes

  • Accurate pricing:
    Align premiums with risk using deeper data.

  • Increased throughput:
    Process more submissions daily with automated workflows.

  • Reduced loss ratio:
    Identify hidden risks before they enter your book.

The Underwriting Challenge

  • Disconnected data sources

    Underwriters chase information across systems, slowing risk decisions.

  • Manual validation work

    Teams reenter and verify data repeatedly, increasing errors.

  • Inconsistent decision making

    Pricing and approvals vary due to lack of standardized logic.

  • Compliance pressure

    Decisions must remain auditable without slowing the process.

Bernoly Approach

Data enrichment

Pull external risk data automatically into your underwriting flow.

Automated risk scoring

Apply consistent logic to every submission using AI nodes.

Expert review loop

Flag high-risk cases for manual review by senior underwriters.

Core Underwriting Capabilities

Underwriting data atlas

Centralise all risk factors into one overview.

Decision flow nodes

Build complex logic trees for automatic risk approval.

Identity verifier

Confirm applicant details against thousands of public sources.

Portfolio health analytics

Track underwriting performance across different market segments.

Designed for insurance distribution teams

Insurers

Standardize underwriting across products and regions.

MGAs

Scale underwriting without increasing headcount.

Brokers

Accelerate quoting with better risk insights.

See Bernoly in action for Underwriting