Underwriting

Elevate digital underwriting for insurers through intelligent risk management powered by data, automation, and AI.

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
^Source:^{Accenture and the Institutes}

Maximize Growth and Profitability

Select profitable risks, enhance the broker experience, and maximize customer lifetime value.

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.

screenshot - UnderwritingCenter - My submissions

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

The Entire Insurance Lifecycle:
Explore Every Stage

Proven Experience, Earned Trust

See what our customers say

Orion180
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.
Luis Velazques
SVP of Technology
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Alberta Motor Association
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.
James Setch
VP, Rating, Underwriting & Product
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CopperPoint
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.
Brad Lontz
CIO
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HEMIC
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.
Regina Harris
SVP, Business Operations
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