--- title: "Underwriting Solutions" description: "Guidewire underwriting solutions leverage analytics, data, automation, and more to improve underwriting outcomes. Request a demo!" url: "https://www.guidewire.com/es/products/solutions/underwriting.md" language: "es" locale: "es" --- # Underwriting Solutions Guidewire underwriting solutions leverage analytics, data, automation, and more to improve underwriting outcomes. Request a demo! Underwriting Solutions Enhance the art and science of underwriting with proactive, real-time data. Guidewire analytics, core products, and more are designed to help P&C insurers achieve better underwriting outcomes and improve profitability. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/hero-underwriting-solutions--800x420.jpg?h=420&iar=0&w=800) [Schedule a Demo](/es/about/get-in-touch/request-a-demo) Use analytics to predict risk factors that will degrade loss ratios. Increase straight-through processing rate and capture new business by quoting, declining, and pricing automatically. Underwrite continuously and identify profitable customer segments and new markets to target. ### Quote Good Risks Only HazardHub data reveals relevant information about a property or business. Improve the quality of your book of business by proactively selecting good risks and reducing adverse selection with 1400+ [P&C risk data](/es/products/analytics/hazardhub-risk-data) factors. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/underwriting--quote-good-risks-only--986w.jpg?h=554&iar=0&w=986) ### Automate Underwriting Processes Rapidly build, import, tune, deploy, and monitor models with [predictive analytics](/es/products/analytics/predict). Embed insights into workflows with code-less configuration, track performance with A/B testing, model drift monitoring, and more. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/underwriting--underwrite-automated-processess--986w.jpg?h=554&iar=0&w=986) ### Set Price to True Exposure Improve rating sophistication, augment traditional GLM/GAM pricing with modeling, and maximize your actuarial models without compromising transparency or compliance. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/underwriting--set-price-to-true-exposure--986w.jpg?h=554&iar=0&w=986) ### Retain Profitable Customers Engage with your customers at the right time throughout the policy lifecycle, price and segment risk granularly to maximize customer lifetime value (CLTV), and provide omnichannel customer service. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/underwriting-retain-profitable-customers--986w.jpg?h=554&iar=0&w=986) ### Lead with Data-Driven Marketing Leverage the operational and portfolio intelligence of your company to focus on quality. Develop marketing strategies with analytical insights that move your efforts to the top. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/underwriting--lead-with-data-driven-marketing--986w.jpg?h=554&iar=0&w=986) ## Elevate Your Operations and Marketing with Critical Analytics Todo lo que necesitas para prosperar en un panorama de seguros en constante cambio. Desde aplicaciones seleccionadas hasta socios de confianza, formación y colaboración con el sector, Guidewire lo conecta todo en un solo lugar. ### Application Marketplace ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-1-2.svg?iar=0) [Más información](https://marketplace.guidewire.com/?_gl=1*8ax4er*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MyRqNTAkbDAkaDA.) Amplíe la funcionalidad de su sistema y acelere la innovación a través del Guidewire Marketplace. Este escaparate seleccionado ofrece una amplia gama de soluciones Insurtech prediseñadas y validadas y aplicaciones complementarias, lo que permite a las aseguradoras implementar rápidamente nuevas capacidades y mejorar sus ofertas sin los gastos generales del desarrollo personalizado. ### Documentación ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-2-2.svg?iar=0) [Más información](https://docs.guidewire.com/) Acceda a un repositorio completo y actualizado de documentación de productos, guías de implementación y especificaciones técnicas. Este recurso fidedigno sirve como una referencia inestimable para optimizar la configuración de su sistema, garantizar el cumplimiento y maximizar la utilidad de la plataforma a lo largo de su ciclo de vida. ### Socios tecnológicos y de consultoría ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-3-3.svg?iar=0) [Más información](/es/partners/for-guidewire-partners-partnerconnect/consulting-partners) Acceda al ecosistema más extenso de la industria de socios tecnológicos y de consultoría certificados. Estos asesores de confianza agilizan la implementación, facilitan el escalado inteligente y garantizan la entrega segura de sus iniciativas de modernización de sistemas centrales desde el primer día, aprovechando metodologías probadas. ### Recursos para desarrolladores ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-4-2.svg?iar=0) [Más información](/es/developers/developer-resources) Capacite a sus equipos de TI e integradores con sólidas herramientas para desarrolladores, SDK completos y documentación de API. Estos recursos facilitan una personalización profunda y una integración perfecta con su arquitectura empresarial existente, lo que garantiza que Guidewire se adapte con precisión a sus requisitos comerciales únicos. ### Comunidad de clientes y grupos de colaboración ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-5-3.svg?iar=0) [Más información](https://community.guidewire.com/s/group/CollaborationGroup?_gl=1*1myrjuh*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MCRqNTMkbDAkaDA.) Únase a una vibrante comunidad global de clientes de Guidewire para compartir las mejores prácticas, intercambiar ideas y colaborar en soluciones con colegas que enfrentan desafíos similares. Esta inteligencia colectiva acelera la innovación y fomenta un camino compartido hacia el éxito. ### Eventos de Guidewire ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-6-2.svg?iar=0) [Más información](/es/about/events) Conéctese con expertos, clientes y líderes de la industria de Guidewire en reuniones globales como Guidewire Connections, Insurance Forums y Developer Forums. Nuestros eventos vinculan a una industria mundial con perspectivas locales y ofrecen acceso directo a tendencias emergentes, soluciones prácticas y colaboración entre pares. Diseñados como espacios de confianza para intercambiar ideas y fortalecer la experiencia, desarrollan conocimientos y percepciones que ayudan a nuestros clientes a navegar el cambio y dar forma a sus estrategias con confianza. ### Confianza y seguridad ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-7-2.svg?iar=0) [Más información](/es/resources/help-and-support/trust-and-security) Opere con confianza en una plataforma construida sobre estrictos protocolos de seguridad y las mejores prácticas de la industria. Guidewire prioriza la privacidad de los datos, el cumplimiento normativo y la resiliencia del sistema, proporcionando la confianza fundamental necesaria para gestionar la información sensible de los asegurados y las operaciones comerciales críticas. ### Soporte, educación y formación ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-9.svg?iar=0) [Más información](https://education.guidewire.com/) Maximice su inversión con el soporte dedicado de Guidewire, garantizando una estabilidad operativa continua y una rápida resolución de problemas. Los programas educativos integrales y el plan de estudios de formación especializada capacitan a sus equipos, desde los usuarios de negocio hasta los especialistas técnicos, para dominar las capacidades de Guidewire e impulsar resultados de negocio óptimos. ## Guidewire es una experiencia conectada ### KIN Insurance CEO/Co-Founder [Watch the Video](https://explore.guidewire.com/c/improving-the-customer-experience-with-hazardhub?x=4p8hty) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/hazardhub/customer-quote-carousel--kin-sean-harper.png?h=607&iar=0&w=1080) We call HazardHub’s data often. When we call them early in the process, it allows us to get a more accurate and more complete acceptability decision on the customer much earlier. ### The Co-operators Associate Vice President [Read the Case Study](https://explore.guidewire.com/c/embedded_analytics_f?x=4p8hty) [See Their Story](/es/customers/success-stories/the-co-operators-group) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/predict/customer-quote-carousel--cooperators-mike-curchin.png?h=607&iar=0&w=1080) The Embedded Analytics Framework is easy to use and abstracts all the details between PolicyCenter and the SAS models. Without the framework, we would have to translate the models into Gosu code. ### Indiana Farm Bureau Insurance Director and Chief Actuary [Read the Case Study](https://explore.guidewire.com/c/case-study-indiana-farm-bureau?x=4p8hty) ![Brian Poole, Indiana Farm Bureau Insurance](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/customer-brian-poole-indiana-farm-bureau-540w.png?h=360&iar=0&w=540) Predict models have helped us shift toward adequately priced business and are starting to improve the quality of our auto and home book. In fact, the models are suggesting room for further rating improvements. ### Buckeye Insurance Group Chief Underwriting Officer [Read the Case Study](https://explore.guidewire.com/c/buckeye-insurance-gr?x=4p8hty) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/customer-robert-bornhorst-buckeye--540w.png?h=360&iar=0&w=540) We are seeing credible improvements in new business conversion and premium growth, while reducing our loss ratio and keeping retention steady. We plan to implement similar new rating plans to improve our pricing accuracy for other lines of business. ### Celina Insurance Group Former Senior Vice President – Chief Operating Officer [Read the Case Study](https://explore.guidewire.com/c/predictive_analytics-1?x=4p8hty) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/customer-vincent-franz-celina--540w.png?h=360&iar=0&w=540) The Marketing team’s request to develop a guide to help find areas for profitable growth, then marry that data with agency appointment strategies, was a clear example of how the entire organization fully appreciates the power of advanced analytics to inform better decision-making. ## See What Our Customers Say: ### 2-4% Bright Sky 700 reduction to loss ratio. Improve your risk selection with Guidewire underwriting. ### 20% Bright Sky 900 growth in premium over 4 years. Guidewire underwriting data and analytics help to drive more premium over time. ### $50M Bright Teal improvement in underwriting profit within 36 months, according to customer success metrics. ## Learn More About Guidewire Underwriting Request a call, schedule a demo, or ask a question. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/analytics-ecosystem--1920x900.png?h=900&iar=0&w=1920) [Learn More About Predict](/es/products/analytics/predict) HazardHub provides A-F letter risk grades and numeric risk scores for multiple perils including fire, wind, earth, and manmade disasters. With Predict, P&C insurers have embedded insights to improve intelligent choices, from risk selection to pricing, retention, and reducing expenses. ## Underwrite Efficiently Video ## More Resources ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/videos/thumbnails/video-image-imroving-wildfire-risk-assessment-hazardhub.jpeg?h=320&iar=0&w=560) [KW: Improving Wildfire Risk Assessment with HazardHub](https://explore.guidewire.com/c/kw-improves-wildfire-risk-assessment-with-hazardhub?x=4p8hty) [See All Related Resources](https://explore.guidewire.com/c/from-data-to-value-white-paper?x=4p8hty)