--- title: "Underwriting" description: "Underwriters of today become risk managers of tomorrow, offering risk mitigation and risk prevention services, assisted by data, AI, and process automation. Learn more about Underwriting as a part of the insurance lifecycle." url: "https://www.guidewire.com/fr/products/solutions/solutions-for-the-insurance-lifecycle/underwriting.md" language: "fr" locale: "fr" --- # Underwriting Underwriters of today become risk managers of tomorrow, offering risk mitigation and risk prevention services, assisted by data, AI, and process automation. Learn more about Underwriting as a part of the insurance lifecycle. Underwriting Elevate digital underwriting for insurers through intelligent risk management powered by data, automation, and AI. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/lifecycle/hero-underwriting-800x480.png?h=480&iar=0&w=800) [Download the Solution Brief](https://explore.guidewire.com/c/underwriting-solution-brief?x=sBli6B) [See the Full Insurance Lifecycle](/fr/products/solutions/solutions-for-the-insurance-lifecycle) ## Strategic Underwriting in the Age of Dynamic Risk Underwriting performance is tied to a range of factors, such as how well insurers can use their data, manage repair costs, and align risk decisions with appetite and margin goals. Guidewire helps insurers summarize complex submissions, integrate real-time risk signals, automate repeatable decisions, and enable underwriters to focus on improving portfolio performance. | ### **80%** of data received is unstructured | ### **70%** of time spent is on non-critical tasks | | --- | --- | Source: [Quantiphi](https://quantiphi.com/breaking-through-the-challenges-of-underwriting-with-ai/) Source: [Accenture and the Institutes](https://riskandinsurance.com/wp-content/uploads/2021/12/TI-Accenture_PC_Underwriter_Survey-_vf.pdf) Select profitable risks, enhance the broker experience, and maximize customer lifetime value. ### Intelligent Submissions Processing Commercial underwriters are often overwhelmed with high-volume submissions and disjointed systems. Transition to a model of intelligent insurance by automatically ingesting data, enriching it with external research, and assessing risk against underwriting guidelines to instantly identify "out-of-appetite" submissions. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/solutions-underwriting-1--748w.jpg?h=260&iar=0&w=748) ### Profitable Risk Selection Empower underwriters to make better judgments and select more profitable risks by delivering accurate, informed insights. Leverage portfolio intelligence to identify profitable customer segments and new markets to target. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/solutions-underwriting-2--748w.jpg?h=468&iar=0&w=748) ### Enhanced Broker Experience Get to an initial "yes" or "no" decision faster with AI-generated summaries and triage, collapsing the time required for initial review from hours to minutes. This intelligent insurance approach dramatically improves efficiency and enables underwriters to be more responsive to brokers fostering long lasting relationships. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/underwriting/solutions-underwriting-3--748w.jpg?h=468&iar=0&w=748) ## Maximize Growth and Profitability ## Accurate, Efficient, Intelligent Guidewire empowers underwriters to be more productive and make smarter, faster decisions, resulting in reduced loss ratio, better retention rates, and higher profitability. ![Lifecycle - Underwriting](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/solutions/solutions-subpages-marketecture-images/solution-brief-marketectures--underwriting-v2--904w.png) ## The Entire Insurance Lifecycle: Explore Every Stage [/fr/products/solutions/solutions-for-the-insurance-lifecycle/claims-servicing](/fr/products/solutions/solutions-for-the-insurance-lifecycle/claims-servicing) [/fr/products/solutions/solutions-for-the-insurance-lifecycle/product-definition](/fr/products/solutions/solutions-for-the-insurance-lifecycle/product-definition) [/fr/products/solutions/solutions-for-the-insurance-lifecycle/pricing](/fr/products/solutions/solutions-for-the-insurance-lifecycle/pricing) [/fr/products/solutions/solutions-for-the-insurance-lifecycle/distribution](/fr/products/solutions/solutions-for-the-insurance-lifecycle/distribution) [/fr/products/solutions/solutions-for-the-insurance-lifecycle/underwriting](/fr/products/solutions/solutions-for-the-insurance-lifecycle/underwriting) [/fr/products/solutions/solutions-for-the-insurance-lifecycle/policy-management](/fr/products/solutions/solutions-for-the-insurance-lifecycle/policy-management) ### Arch ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-arch--350w.jpg?h=350&iar=0&w=350) ### Beazley ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-beazley--350w.jpg?h=350&iar=0&w=350) ### Butter ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/a-c/customer-logo-butter--350w.jpg?h=350&iar=0&w=350) ### Ciba Insurance Services ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/project/guidewire/guidewire/customers/logos/customer-logo-ciba-insurance-services-350w.jpeg?h=350&iar=0&w=350) ### EMC Insurance ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-emc--350w.jpg?h=350&iar=0&w=350) ### Frontline Insurance ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-frontline-insurance--350w.jpg?h=350&iar=0&w=350) ### HEMIC ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/d-i/customer-logo-hemic--350w.jpg?h=350&iar=0&w=350) ### Kemper ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-kemper--350w.jpg?h=350&iar=0&w=350) ### KW Specialty ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-kw-specialty-350w.jpg?h=350&iar=0&w=350) ### Ohio Fair Plan ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-ohio-fair-plan--350w.jpg?h=350&iar=0&w=350) ### QBE ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/j-q/customer-logo-qbe--350w.jpg?h=350&iar=0&w=350) ### RSA ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/partners/aa-partner-logos---350w/partner-logo-rsa-insurance--350w.png?h=350&iar=0&w=350) ### Virtus ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-virtus--350w.jpg?h=350&iar=0&w=350) ### TW insurance ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---350w/t-z/customer-logo-tw-insurance-350w.jpg?h=350&iar=0&w=350) ## Proven Experience, Earned Trust ### Orion180 SVP of Technology [See Their Story](/fr/customers/success-stories/orion180) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/lifecycle/400-orion180-luis-velazques--400x267.png?h=267&iar=0&w=400) We’re able to process more quotes and binds simply by calling the API that HazardHub provides, which eliminates a lot of the human interaction factors required to obtain information about an insured or property. ### Alberta Motor Association VP, Rating, Underwriting & Product [See Their Story](/fr/customers/success-stories/alberta-motor-association) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/customers/aa-customer-logos---success-heros/customer-hero-logo--alberta-motor--500w.jpg?h=180&iar=0&w=500) We had the objective of selling 5,000 policies within our first year. We wanted our loss ratios to be sub-50 and to achieve a policy retention rate north of 90%. We are on track to hit all of those metrics, and so, we're thrilled with the overall outcome of MyPace to date. ### CopperPoint CIO [See Their Story](/fr/customers/success-stories/copperpoint) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/workers-comp/1080-copperpoint-brad-lontz--1080x720.png?h=720&iar=0&w=1080) Migrating to Guidewire Cloud has provided us with enhanced features such as Submission Intake (in PolicyCenter) and much better usability. We’re seeing a 40% average increase in utilization of the ACORD submission intake process on a year-over-year basis. And we can now easily integrate the best-in-class insurtech solutions that are part of Guidewire Marketplace and the PartnerConnect ecosystem. ### HEMIC SVP, Business Operations [Watch the Video](https://www.guidewire.com/video/C02C98A5AA25429FBD43D3EE65C940E7) ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/products/lifecycle/400-hemic-regina-harris--400x267.png?h=267&iar=0&w=400) We worked with the Predict team on what outcomes we were shooting for from a loss ratio perspective. We have built some dashboards that inform me on how the model is pricing. It's right where we thought it would be, which was really good news. ## SEE WHAT OUR CUSTOMERS SAY Whitepaper ## More Resources ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/about-us/press-center/logo-guidewire--560w.jpg?h=320&iar=0&w=560) [Perils aren't Confined by Territory Boundaries. Are You?](https://explore.guidewire.com/c/perils-are-not-confined-by-territory?x=kKeild)