Half the time to quote, and not one lost audit trail
A rebuilt, AI driven core policy system helps a commercial lines insurer quote faster, spend less per policy, and show regulators exactly how every decision was made.
The Opportunity
This carrier's core policy system had supported Commercial and Workers' Compensation business for years, until “working” stopped being enough. Underwriters were rekeying data already provided by brokers, introducing pricing errors, while every change to the tightly coupled legacy platform risked breaking something else.
The challenge wasn't just improving speed. In a regulated business, every pricing decision has to be explainable. Modernization couldn't come at the expense of auditability.
The Transformation
The core policy system was rebuilt on modern cloud architecture, with AI and deterministic rules each handling what they do best. AI extracts underwriting data from PDFs, forms, and free text, converting submissions into structured information. Pricing decisions then flow through a rules based underwriting engine, ensuring every quote remains consistent, explainable, and fully traceable.
AI eliminates the manual rekeying that caused pricing errors, while the rules engine preserves the audit trail regulators require.
AI Reads Every Submission
A document intelligence layer trained across the carrier's Commercial and Workers' Comp submission formats extracts underwriting fields the moment a submission lands. No template required, no manual reentry, no second chance for a typo to become a pricing error.
Underwriting That Explains Itself
A single, consistent rules engine drives underwriting decisions across every office. The output isn't just a quote, it's a legible decision path a regulator can walk through step by step.
A Cloud Core Built to Connect
The policy system runs on a hybrid Azure architecture, wired directly into the insurer's existing agency and enterprise systems, so brokers kept working the way they already did while everything behind the screen changed.
Speed and Cost, Both Moving the Same Direction
With submissions processed end to end instead of hopping between manual steps, time to quote dropped by half, throughput rose 40%, and per policy processing costs fell 25–30%.
Faster time to quote
Faster submission processing
Lower cost per policy
Auditable underwriting decisions