Speed to Market AI · Commercial Underwriting Prep, Compressed

The compression

What took an hour now takes ten minutes.

Underwriters and clearance assistants spend 1-2+ hours per submission on the work that happens before a single decision gets made — document wrangling, extraction, guideline checks, workbook prep, email drafting. That's the hour the platform gives back.

BEFORE

1–2+ hrs

Per submission. Document extraction, underlying review, exposure review, loss history review. Most of it clerical. None of it decisions.

Hunt for the documents in a 20+ attachment broker email
Open every PDF, Excel, and Word doc manually
Copy-paste fields into the rating
Cross-check guidelines one operation at a time
Draft the referral email from scratch hoping you covered what the reviewer wants to see

AFTER

10–15 min

Review & decide. The brief is already on your desk — structured, cited, audit-logged. You spend time on the judgment, not the clerical.

Full Excel pack + summary email delivered by 8am
Every field tied to source document, page, and line
Guideline stance flagged (Prohibited / Restricted / Referral)
Referral email auto-drafted for all levels of underwriters
Human-in-the-loop QA logged with who reviewed it

~85%

Time reduction per submission

3-5×

Underwriter throughput

98%+

Guideline adherence target

~10%

Of prior QA effort on fast-pass

Why it matters at renewal cycles. Broker’s #1 complaint every 1/1, 4/1, 7/1, 10/1 is turnaround. At peak volume the fastest quote wins. At off-peak the saved hours are redeployed into the exceptions that actually need human judgment.

The compounding advantage. AI works twenty-four hours a day, seven days a week. It doesn’t take sick days. It doesn’t burn out during renewal season. It doesn’t need months of ramp-up to learn a new line of business or a new appetite — a prompt edit and it’s current the same day. Applied consistently across a book, its accuracy holds steadier than a rotating team working across time zones, and every submission it processes sharpens the next one rather than adding to attrition risk. Humans still own the judgment. AI owns the repetition.

The Workflow

The messy submission packet, rewritten for how underwriters actually work.

17 stages. Each output is cited, structured, and ready for the next module to build on. No black boxes — we will work with you to edit the prompts in-session if you want to tune a module to your appetite.

01 · INGEST

Drop anything.

Drag every file a broker sends — PDF, Word sub agreements, vendor agreements, Geotech reports, any contracts, Excel loss runs, Outlook .msg emails with attachments. All parsed inline.

PDF DOCX XLSX MSG/EML CSV

02 · EXTRACT

17 specialists read it.

Each module is a focused underwriting specialist — a doc/data extractor covering Website Intel, Supplemental App, Subcontractor Agreements, Vendor Agreements, Safety Manual, Loss History, GL Quotes / Policies, AL Quotes / Policies, Excess Policies, and more.

ACORD Class Codes Endorsements Losses

03 · VERIFY

QC loop validates.

Every output ends with a self-verification checklist — did every source bullet survive? Any field missing? Loops until 100% clean or flags the gap.

Source Citation Field Coverage Auto-rewrite

04 · DECIDE

One decision doc.

All 17 module outputs consolidate into a single UW summary: recommendation, program structure, positives, guideline conflicts, referral triggers, open items.

Quote / Refer / Decline Referral Email

The Engines

Seventeen specialists. One workbench.

Each module owns a slice of the submission. Run them independently as a specialist assistant, or chain them into the full consolidation.

A1 · INTAKE

Website Intelligence

Search by insured name + ZIP or paste URL. Crawls all pages, flags scope discrepancies vs. application. Uses native web_search to find the site.

A2 · INTAKE

Supplemental Extractor

Every underwriting fact on the supplemental, field-by-field. Silent fields return "No information provided" — never inferred.

A3 · INTAKE

Subcontractor Agreement

Pulls risk-transfer provisions — AI status, COI requirements, indemnification, limits, waiver of subrogation, completed-ops tail.

A4 · INTAKE

Vendor Agreement

Equipment lessor and supplier contracts. Flags borrowed-servant exposure on operated equipment (critical for crane / rigging).

A5 · INTAKE

Safety Manual

Oversight structure, training matrix, EMR/TRIR/DART benchmarked against NAICS, VPP/STEP/AISC certifications, fleet telematics, and more.

A6 · ANALYSIS

Summary of Operations

Structured third-person account summary in the exact format your referral template expects. QC loop catches every missing source bullet.

A7 · ANALYSIS

Class Code Expert

Describe the operation, get matched ISO GL class codes with rationale. Handles multi-class splits and flags appetite edge cases.

A8 · ANALYSIS

Guideline Cross-Reference

Maps operations & states against your underwriting guidelines. Verbatim conflict citation, referral triggers, portfolio-in-appetite commentary.

A9 · ANALYSIS

Exposure to Loss

Severity-driven exposure analysis across Premises, Products, Completed Ops, Operations, Auto. Flags anything that could penetrate $2M+ attachments.

A10 · ANALYSIS

Account Strengths

Extract compelling positives for the referral and the underwriter’s review — expertise, safety commitment, subcontractor management, loss history, and anywhere else the insured excels.

A11 · UNDERLYING

Loss History

Claims by LOB, total incurred, total paid by policy year, large losses detailed, development trends.

A12 · UNDERLYING

Primary GL Quote

Carrier, AM Best, form, limits, SIR, classifications, every endorsement with impact annotation (narrowing / concerning / aligns).

A13 · UNDERLYING

Primary AL Quote

Fleet composition by class, garaging, and radius.

A14 · UNDERLYING

Excess Policy

Layer analysis, attachment points, follow-form validation, and carrier rating — pulls every term that affects how the excess tower responds relative to the primary.

SUMMARY · THE DELIVERABLE

Final UW Summary

All 17 modules consolidated into one decision-ready brief. Recommendation, program structure, account positives, guideline conflicts, referral triggers, open items — and an auto-drafted referral email. The 10-minute output of an hour of prep.

Quote / Refer / Decline Referral Email Audit-Logged

Use Cases

Built for the realities of commercial insurance — across every line.

GL, Auto, Workers' Comp, Property, Excess. Speed to Market AI was built by an underwriter who has sat in the clearance seat, the assistant seat, and the underwriter seat — across every stage of the commercial intake funnel. The use cases below are just examples but can do way more.

The morning deliverable: a decision-ready brief on every submission.

AI agents run overnight against every submission in the queue. By the time the underwriter opens the laptop, a fully structured queue and summary email are waiting — strengths, exposures, class codes, limits, loss trends, guideline flags, open items. No more 7am document triage.

Before: 1-2+ hours of extraction and file prep per submission
After: 10-15 minute review of a structured brief
Human-in-the-loop QA at 100% at launch; fast-pass at ~10% of prior effort
Every field tied back to the source document, page, and line

Guideline adherence trending to 98%+.

Every submission cross-referenced against your underwriting guide. Prohibited, Restricted, and Referral classifications flagged with verbatim citation. The compliance team gets pre-bind flags in real time — no more post-audit surprises.

Every operation and state cross-referenced against your guide
Guideline stance: Prohibited / Restricted / Referral
Verbatim citation of the conflict — defensible at audit
Aggregates to portfolio-level adherence scorecard for leadership

Risk transfer you can actually defend at claim.

Subcontractor agreements, vendor contracts, lease agreements — the contracts that determine whether losses flow down or stay with your insured. The platform extracts every risk-transfer provision across any commercial line and flags gaps before bind.

Full insurance article, indemnification scope, tier limits extracted
Additional insured status, primary & non-contributory language verified
Flags when contract falls short of ISO contractual language
Cross-references against state anti-indemnity statutes

Loss history, decoded in minutes.

Loss runs arrive in every format carriers can produce. The platform normalizes GL, Auto, WC, Property, and Umbrella claims into a single structured view — with penetration analysis, severity trending, and fraud/edit detection built in.

Parses loss runs from 40+ carrier formats (table, transaction, block, scanned)
Individual claim detail for every loss above your threshold
Penetration analysis at primary / $2M / $5M attachment candidates
Fraud, edit, and data-quality flags surfaced separately

Why it's different

Built for underwriters. By an underwriter.

Generic AI underwriting tools built by ex-Google ML teams miss the texture of the job. Speed to Market AI was built by a working underwriter solving his own desk problems — 13 years across clearance, assistant, and underwriter roles. What that looks like in practice:

“

Most AI underwriting tools were built by engineers talking to underwriters. This one was built by the underwriter.

Speed to Market AI OURS

Specialty depth across GL, Auto, WC, Property & Excess — with line-specific knowledge (NY §240, nuclear corridors, subsidence, ALAE allocation, etc.)
BYO-API — bring your own Anthropic, OpenAI, or on-device LM Studio key. Your data never touches a third-party cloud
10+ document formats parsed natively in-browser (PDF, DOCX, XLSX, MSG, EML, RTF, HTML, CSV)
Every output source-cited with automatic QC validation loop until 100% field coverage
System prompts are visible, editable per session — transparency, not black box
Live web search via Claude-native web_search tool for insured websites
Multi-carrier by design — not tied to any one insurer's data model

Most AI tools THEM

Generic P&C / L&H — doesn't know what a §240 claim or a subsidence exclusion means
Isolated cloud environment — your submission data processed on vendor's infrastructure
Narrow document support — usually PDFs and maybe Word, limited table / spreadsheet handling
Outputs that sound confident but don't link back to source
System prompts proprietary and hidden — you can't verify or tune
No external data — only what the broker sent
Tuned to one carrier's proprietary guidelines

Carrier-grade trust

Security, audit, and deployment — handled.

Every question a CISO asks — answered from day one. Every question a regulator asks — logged. Built for private VPC or on-prem deployment, with SOC 2 on the roadmap and NAIC/NYDFS-aligned vendor packages ready.

IDENTITY & ACCESS

SSO · Okta / Azure AD

Role-based access with least-privilege defaults. Inherits from your existing identity layer — no parallel user system to maintain.

DATA STANCE

No training. No leakage.

Customer data never trains models by default. PII redaction at ingest. Customer-controlled retention. BYO-API keeps your data path entirely under your control.

AUDIT TRAIL

Who · when · which model · which prompt

Every output logged with model version, prompt version, reviewer sign-off, and evidence provenance. Defensible under regulatory review. Exportable for internal audit.

DEPLOYMENT

VPC · on-prem · region-pinned

Private VPC on AWS / Azure / GCP. On-premise install. Region pinning for data residency. Whatever your CISO already signed off on last year is what we deploy into.

COMPLIANCE

SOC 2 · NAIC · NYDFS

SOC 2 Type I artifacts on the near-term roadmap; Type II within the year. Vendor security package aligned to NAIC and NYDFS cybersecurity requirements.

INTEGRATIONS

Reads your stack

O365 / Exchange intake for broker emails. SharePoint, OneDrive, Box, S3 for document stores. Guidewire and Duck Creek hooks for core-system write-back.

Where this is heading

A tool today. A platform tomorrow.

Speed to Market AI starts at the underwriting prep layer because that’s where the hours are being lost today. The arc is bigger. Three horizons, each anchored to work already in-flight.

Now

2026

The prep layer.

17 AI specialists compressing 1-2+ hours per submission into 10-15 minutes. Cited, audit-logged, QC-verified. Broker intake through decision-ready brief. Pilot-ready today.

Morning underwriter brief across any commercial line
Guideline cross-reference with verbatim conflict citation
Loss history normalization across 40+ carrier formats
Subcontractor & vendor risk-transfer extraction

The decision layer.

From prep to pricing guidance. Class-by-class severity models. Attachment optimization. Quote automation for low-complexity refers. The same underwriter judgment, executed at 10x the pace.

Severity-weighted pricing guidance against carrier appetite
Straight-through processing on pre-qualified tiers
Portfolio-level exposure analytics for chief underwriting officers
Deeper O365 / Guidewire / Duck Creek integration

Long term

2028+

The connective tissue.

The infrastructure layer between brokers and carriers for the commercial market. Multi-carrier routing. Portfolio intelligence. Claims feedback that makes every future submission smarter than the last.

Multi-carrier submission triage & routing at broker firms
Claims intake feedback loop — closed claims re-inform exposure scoring
Cross-carrier portfolio intelligence (MGA / reinsurance)
International expansion into Lloyd’s and EU commercial markets

Each horizon is a natural extension of the underwriter workflow — not a pivot. The data you capture in the prep layer is the exact data that feeds pricing, portfolio analytics, and eventually the cross-carrier infrastructure layer. Same product, widening surface area.

Design partner conversations

What underwriting leaders are asking for.

Brokers' number one complaint every renewal cycle is turnaround. The carrier that decides fastest binds the account. We needed something that could compress the hours we were losing on prep.

Head of Underwriting ADVISOR CONVERSATION · U.S. COMMERCIAL CARRIER

What matters to my audit team isn't that AI did the work — it's that we can trace exactly which model, which prompt, which version, and which reviewer signed off on every output. That audit trail is the difference between a pilot and a real deployment.

Chief Underwriting Officer ADVISOR CONVERSATION · SPECIALTY BOOK

My clearance and assistant team was drowning in the same three documents they extract every day. Automating that didn't eliminate the team — it freed them to handle the 15% of exceptions that actually need human judgment.

COO, Commercial Lines ADVISOR CONVERSATION · MID-MARKET CARRIER

◆ QUOTES DISTILLED FROM ONGOING ADVISOR AND DESIGN-PARTNER CONVERSATIONS. NAMED ATTRIBUTIONS WILL BE ADDED AS PILOT AGREEMENTS ARE EXECUTED.

Built by someone who has done every job it automates.

Justin Wray, CPCU has spent 13 years in underwriting — ground-up, from a clearance seat to Executive Casualty Underwriter — plus 5 years applying AI to underwriting workflows and guideline automation. He carries the CPCU designation (completed 2024), the industry’s gold-standard technical credential. Every module on this platform automates a task Justin personally performed thousands of times. Nothing ships until it would survive his own audit.

He is already leading AI underwriting work at his carrier: machine-learning models for operational summaries and exposure identification, automated business classification, and contract interpretation for indemnification, hold-harmless, and subcontractor limits. Speed to Market AI is the productization of those patterns — hardened for any carrier.

CPCU · The Institutes 13 Years in Underwriting 5 Years Applied AI Operator-Founder

The ground-up path

2015

Underwriter Assistant

Entered commercial insurance. Clearance work, preliminary risk analysis, business classification for excess casualty & construction submissions.

2018

Senior Underwriter Assistant

Owned the clearance-to-handoff workflow. Rating worksheets, submission packaging, underwriting memos for senior decision-makers.

2023

Associate Underwriter

Ran half a region's submissions through the full underwriting cycle. Built the first in-house calculators — extension, fleet, exposure, loss.

2024 TO CURRENT

Executive Casualty Underwriter · CPCU

Full authority on complex portfolios. Mentors junior underwriters. Leads cross-functional AI innovation. Building Speed to Market AI.

Every rung of that ladder is now a module on this platform — from intake through senior-level analysis. The person who built it knows exactly how the job is done today, because he still performs the job today. Transitioning to full-time with first pilot conversions — an operator-founder profile for an operator-defined problem.

From submission to bindable decision, compressed.