--- 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/pt/products/solutions/underwriting.md" language: "pt" locale: "pt" --- # 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](/pt/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](/pt/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](/pt/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 ### Application Marketplace [Saber mais](https://marketplace.guidewire.com/?_gl=1*8ax4er*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MyRqNTAkbDAkaDA.) Expanda a funcionalidade do seu sistema e acelere a inovação através do Guidewire Marketplace. Esta loja de aplicações selecionada oferece uma vasta gama de soluções Insurtech pré-construídas e validadas e aplicações complementares, permitindo que as seguradoras implementem rapidamente novas capacidades e melhorem as suas ofertas sem os custos de desenvolvimento personalizado. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-1-2.svg?iar=0) ### Documentação [Saber mais](https://docs.guidewire.com/) Aceda a um repositório completo e atualizado de documentação de produtos, guias de implementação e especificações técnicas. Este recurso oficial serve como uma referência inestimável para otimizar a configuração do seu sistema, garantir a conformidade e maximizar a utilidade da plataforma ao longo do seu ciclo de vida. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-2-2.svg?iar=0) ### Parceiros de consultoria e tecnologia [Saber mais](/pt/partners/for-guidewire-partners-partnerconnect/consulting-partners) Aceda ao ecossistema mais extenso da indústria de parceiros de tecnologia e consultoria certificados. Estes consultores de confiança aceleram a implementação, facilitam o dimensionamento inteligente e garantem a entrega confiante das suas iniciativas de modernização de sistemas centrais desde o primeiro dia, alavancando metodologias comprovadas. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-3-3.svg?iar=0) ### Recursos para programadores [Saber mais](/pt/developers/developer-resources) Capacite as suas equipas de TI e integradores com ferramentas de programador robustas, SDKs abrangentes e documentação de API. Estes recursos facilitam a personalização profunda e a integração perfeita com a sua arquitetura empresarial existente, garantindo que a Guidewire se adapta precisamente aos seus requisitos de negócio exclusivos. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-4-2.svg?iar=0) ### Comunidade de clientes e grupos de colaboração [Saber mais](https://community.guidewire.com/s/group/CollaborationGroup?_gl=1*1myrjuh*_gcl_au*MTcxMzgxMjg1My4xNzQ4ODc4NDU1*_ga*NjgzODU2NzgzLjE3MzY1NDExODU.*_ga_LN5WM89V7V*czE3NTUwMTY0NDUkbzc2NiRnMSR0MTc1NTAxNzc5MCRqNTMkbDAkaDA.) Junte-se a uma comunidade global vibrante de clientes da Guidewire para partilhar as melhores práticas, trocar informações e colaborar em soluções com colegas que enfrentam desafios semelhantes. Esta inteligência coletiva acelera a inovação e promove um caminho partilhado para o sucesso. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-5-3.svg?iar=0) ### Eventos da Guidewire [Saber mais](/pt/about/events) Conecte-se com especialistas, clientes e líderes do setor da Guidewire em encontros globais, como as Guidewire Connections, os Fóruns de Seguros e os Fóruns de Programadores. Os nossos eventos ligam uma indústria mundial a perspetivas locais e oferecem acesso direto a tendências emergentes, soluções práticas e colaboração entre pares. Concebidos como espaços de confiança para trocar ideias e reforçar conhecimentos, criam conhecimentos e perceções que ajudam os nossos clientes a navegar na mudança e a moldar as suas estratégias com confiança. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-6-2.svg?iar=0) ### Confiança e segurança [Saber mais](/pt/resources/help-and-support/trust-and-security) Opere com confiança numa plataforma construída com base em protocolos de segurança rigorosos e nas melhores práticas do setor. A Guidewire dá prioridade à privacidade dos dados, à conformidade regulamentar e à resiliência do sistema, fornecendo a confiança fundamental necessária para gerir informações sensíveis dos segurados e operações comerciais críticas. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-7-2.svg?iar=0) ### Suporte, educação e formação [Saber mais](https://education.guidewire.com/) Maximize o seu investimento com o suporte dedicado da Guidewire, garantindo a estabilidade operacional contínua e a resolução rápida de problemas. Programas de educação abrangentes e currículos de formação especializados capacitam as suas equipas, desde utilizadores de negócios a especialistas técnicos, a dominar as capacidades da Guidewire e a impulsionar resultados de negócios ideais. ![](https://edge.sitecorecloud.io/guidewiresodb06-guidewire0f2e-productioncd91-5186/media/images/ecosystem/ecosystem-icon-9.svg?iar=0) ## A Guidewire é uma experiência conectada Tudo o que precisa para prosperar num cenário de seguros em constante mudança. Desde aplicações selecionadas a parceiros de confiança, formação e colaboração com o setor, a Guidewire liga tudo num só lugar. ### 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](/pt/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](/pt/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)