Reduced unnecessary referrals by embedding real-time appetite and preference at the point of underwriting.
Built for disciplined underwriting at scale
UNDERWRITINGACCELERATED
Appetite, workbench, pricing and portfolio in one system
Underwriting the risk, or stuck re-keying it? Moving data between sheets traps underwriters in admin mode. Artificial captures the right data once, to keep decisions flowing.
Sharper underwriting, faster
Appetite filtering and risk scoring help sort submissions on arrival, so underwriters spend their day on the risks worth thinking about.
Portfolio in plain view
A live portfolio view and configurable aggregation triggers show you concentrations, profitability, and exposure as your portfolio changes.
New lines without the wait
Configure new lines of business in days, not months. Your underwriting rules become the product spec, and every change is tested before it goes live. No complex engineering project required.
Partner with distribution
Submissions reach you however you need to receive them: direct integrations, portals, emails or a placing platform.
Trusted by the world’s best insurance companies
Underwriting discipline from intake to portfolio
See more of the market, write more of the business you want, and watch your portfolio take shape with the Artificial Risk Terminal for underwriters.
Deploy complex underwriting appetites in real time, augmented with human oversight.
Spend your time assessing risk and building your book, not on paperwork.
Aggregate, monitor and report on risk in real time, enabling more effective capital deployment.
Complex open market risks, underwritten faster with proprietary tech.
Take a portfolio approach to writing a whole portfolio of complex risks.
Optimise how capital is deployed to risk, and do it quickly and safely.
Delegate authority, but keep the control.
Multiple carriers. One placement workflow. Structure the risk and the follow panel, and capital attaches to risk in days, not quarters.
Proven results
7 seconds
By automating a complex placement workflow, Artificial reduced transaction times from hours to just seven seconds.
Improved operational efficiency across delegated authority workflows, reducing manual effort and lowering the cost of acquiring and processing business.
What we do for underwriters
Augmented underwriting for a new era
Submissions are scored against your underwriting appetite as they land, and in-appetite submissions move straight to quote.
Risk scoring applies the weights you set across the characteristics that matter, producing a ranked view of opportunities your team works the same way every time.
Sanctions checks fire at the trigger points you configure, and every named party is screened, so compliance happens before the work starts.
Manage portfolio risk in real time
The portfolio view and risk insights surface concentrations, profitability, and exposure across your products alongside your underwriting work.
Scenario simulation lets you model how a prospective risk shifts portfolio shape and aggregate exposure before anything is bound.
Aggregation management runs the rules you define for concentrations, flagging breaches and feeding visualisations as the book changes underneath them.
Move submissions through faster
MRC, ACORD, schedule of values, and email pipelines are extracted and turned into structured data from the documents brokers send, mapping fields straight into the policy record.
Configurable workflow statuses, task management, team segments and record assignments let you route each piece of work to the right person at the right step.
Bound policies can be amended with mid-term changes against the data points you edit, and the premium is recalculated automatically as things change.
Templates turn policy data into the view the job calls for: an aggregation, a picture of current exposure, a summary of placement data, or the flat-file BDX that coverholders owe their syndicates. Written risk BDX templates are configurable to Lloyd's Coverholder Reporting Standards or your own variations.
Policy Differ compares two versions side by side, with the activity log timestamps of every update against the user who made it, and the data inspector lets an underwriter drill into any field's source and history.
Build products that fit your team
Our code turns business rules into programmable specifications that act as the data model, the validation, and the calculation engine for a product, all in one place.
Every configuration change is tested before it goes live, with actual outputs compared against expected ones automatically.
Direct integrations with brokers and PPL, plus a public API and webhooks, mean submissions arrive however your distribution partners prefer to send them.
Policy documents are stored securely, with SharePoint integration for previews, and records can be cleanly retired when needed, with a clear path back if anything goes wrong.
Loved by our customers
“Artificial's technology is propelling us into the next phase of our evolution”
David IbesonCEO, Apollo Group Holdings
“Artificial provides the digital market infrastructure we need to operate effectively. Their highly configurable platform gave us the fastest route to market, and together we’re delivering a better experience for brokers and carriers alike.”
Dan PrinceCEO, Augentic Underwriting
Secure underwriting starts with trusted infrastructure
Independently assured security practices, strong access controls and encrypted workflows designed to protect sensitive commercial insurance and client data.
Resources
Analysis, ideas and news from inside the insurance market.
- Podcast
The innovation myth: why big insurers can move faster than you think, with Dominic Wate
FAQs
Artificial applies appetite filtering and configurable risk scoring as submissions arrive, helping underwriting teams prioritise in-appetite business and reduce time spent reviewing risks unlikely to progress.
Yes. Artificial is designed for commercial and specialty insurance environments where underwriting decisions involve multiple stakeholders, configurable workflows, delegated authority reporting and detailed audit requirements.
No. Artificial is built to support underwriting expertise, not replace it. The platform automates operational and administrative processes so underwriters can focus on pricing, portfolio decisions and broker relationships.
Artificial provides a live portfolio view that surfaces concentrations, exposure and profitability as the book changes. Aggregation triggers and scenario simulations help underwriting teams understand how new risks could affect portfolio shape before business is bound.
Yes. Artificial integrates directly with brokers, PPL and internal systems through Contract Builder, APIs and webhooks, allowing submissions and underwriting data to move through the ecosystem without relying on manual handoffs or duplicate entry.
Appetite automation, configurable referral triggers and structured submission data help standardise underwriting workflows and route exceptions more efficiently. This reduces unnecessary referrals while ensuring edge cases still receive the right level of oversight.
Yes. Artificial uses a domain-specific language that allows underwriting and operational rules to be configured as programmable specifications. That enables teams to evolve products, validation logic and calculations without rebuilding core systems each time.
Artificial is ISO 27001 certified, and builds with enterprise-grade security controls designed for the insurance market, including encrypted workflows, managed document storage, role-based access controls, audit logging and independently assured security practices.