Make Underwriting Faster, Smarter, and More Consistent

A unified underwriting workflow combining automation, data, and human judgment to improve risk evaluation and pricing accuracy.

Business Impact

  • Up to 40% reduction in manual underwriting steps

  • More consistent pricing and approval standards

  • Real-time portfolio visibility and performance insights

  • Improved compliance through traceable decision logic

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.

How Bernoly Supports Underwriting

Connect and validate data

Bernoly integrates policy, claims, and customer data into a single view.

Apply intelligent automation

Rule based logic and AI agents preevaluate risks and flag gaps.

Human review and approval

Underwriters adjust, approve, or override with full transparency.

Underwriting Capabilities

Automated rule execution

Automates repetitive checks while keeping expert underwriters in control of the logic.

AI-assisted risk assessment

Improves quoting accuracy and reduces manual data entry.

Data integration and enrichment

Builds a 360° risk view from validated internal data.

Human–AI collaboration

Allows overrides and final adjustments with a complete, traceable audit trail.

Portfolio monitoring

Tracks underwriting performance and emerging risk trends in real time.

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