Underwriting systems
that think. Underwriters
who decide.
A broker email becomes a structured, priced, auditable risk before anyone opens it. Then a person makes the call.
From: j.hartley@marlowbrokers.co.uk Subject: FW: Northgate Cold Storage // renewal terms // 1 Oct Hi, please see attached slip and SOV for the captioned. TSI is USD 486.2m across 14 locations, mainly refrigerated warehousing. Occurrence basis, 12 months at 1 October. Deductible per endorsement 3 attached. Grateful for terms.
Monday, 08:40
Forty submissions arrived over the weekend. Three are worth writing. Your best underwriter will spend until Wednesday finding out which three, retyping schedules into a spreadsheet, and chasing a broker for a deductible that was in the slip all along.
None of that is underwriting. All of it is what underwriters do.
One line of business in production on your own data, not an eighteen month programme.
Every output carries a confidence score and a citation. Nothing binds itself.
UK, EU, US and Asia. Single tenant, your keys.
No dependency on one AI provider, and no lock in to ours.
Human in the loop
The machine reads. The underwriter decides.
Automation that cannot be questioned is a governance problem waiting to surface. Every AI output here arrives as a proposal with its evidence attached.
| Reference | Insured | Source | TIV USD | Appetite | Age |
|---|---|---|---|---|---|
| PD-2026-0481 | Northgate Cold Storage | Open market | 486.2m | Strong | 2h |
| PD-2026-0479 | Harbour Point Marina | Open market | 94.7m | Refer | 6h |
| PD-2026-0477 | Castellan Hotels Group | Delegated | 212.0m | Strong | 1d |
| PD-2026-0474 | Meridian Aggregates | Open market | 58.9m | Outside | 1d |
| PD-2026-0471 | Aldgate Logistics Park | Delegated | 301.4m | Strong | 2d |
Expiring rate movement on this occupancy is +4.1%. A loading between 6% and 9% holds rate adequacy above 105% while remaining competitive against the expiring terms.
Refrigerated warehousing within appetite. Sprinklered throughout, ammonia plant with annual inspection, no losses above deductible in five years. Gulf wind aggregation at 84% of zone capacity, so a 30% line is taken rather than the 40% offered. Priced at 107.5% rate adequacy against a technical rate of 0.264%.
Platform
From submission to settlement, in one record
No rekeying between the workbench, the policy system and claims.
Submission triage
Slips read on arrival, ranked by appetite fit before anyone opens them.
Data augmentation
Credit, registry, sanctions, geocoding and catastrophe data added at intake.
Rating and pricing
Technical rate locked before bind. Your models, connected.
Appetite and rules
Your appetite as rules, not tribal knowledge. Every hit explained.
Activity management
Queues, SLAs, referrals and authority limits. Nothing hides in an inbox.
MRC and bordereaux
Contracts parsed. Bordereaux validated. Exceptions tracked, not emailed.
Portfolio intelligence
Aggregation, catastrophe exposure, rate and combined ratio, live.
Policy administration
Endorsements, renewals and cancellations as events, never overwrites.
Claims administration
Notification to settlement, linked to the risk that was written.
Portfolio and delegated authority
The book, as it stands right now
Aggregation against capacity, rate movement and combined ratio, with pipeline attributed before it binds. Binder utilisation and bordereaux exceptions in the same view.
| Coverholder | Type | Period | Risks | Exceptions |
|---|---|---|---|---|
| Ashford Underwriting | Premium | Aug 2026 | 1,284 | 0 |
| Kestrel Speciality | Premium | Aug 2026 | 962 | 14 |
| Vantage Programs | Claims | Aug 2026 | 77 | 0 |
| Brightwater MGA | Premium | Jul 2026 | 2,411 | 31 |
Brightwater MGA, July 2026: 31 risks carry a postcode that does not resolve to a catastrophe zone. Aggregation for those risks is excluded until resolved.
Market fluency
It already speaks the language of the box
Most underwriting software is a general commercial platform with a London market skin. Ours is modelled on how specialty risk is actually written.
- MRC ingestion
- Written and signed lines
- Signed down
- Lead and follow
- Binder utilisation
- Bordereaux validation
- Lloyd's risk codes
- Solvency II class
- Realistic disaster scenarios
- Four eyes
- Claims made and retro dates
- Layers and attachment
- Multi currency
- Inward and outward RI
Why we exist
Two bad options, and the one nobody offers
The platform programme
Licence a large product, then spend eighteen months bending it toward your classes. Value arrives long after the business case was signed.
The build project
Commission a build, own the code, and inherit patching, regulatory change and the headcount to carry both.
The Syntxt model
A product platform configured to your lines, in your cloud region, supported by the people who built it. Your shape, without the ownership burden.
How delivery works →Start with one line of business
We prove it on a single class, on your data, with your underwriters, before anyone commits to a wider rollout. If it does not earn its place, you stop.