PolosiQ by CloudTern – Underwriting
AI-Powered Underwriting Automation
Eliminate bottlenecks, reduce cycle times, and make consistent risk decisions — with an AI platform built specifically for insurance underwriters.
Underwriting workflow — live
Submission received
→
AI extraction
Risk scoring
→
Referral / Bind
Broker response
→
Policy issuance
75%
Faster submission processing
3×
More capacity per underwriter
98%
Data extraction accuracy
0
Missed follow-ups
The challenge
Underwriting is still drowning in manual work
Most insurers rely on emails, spreadsheets, and disconnected systems — creating delays, inconsistencies, and unhappy brokers.
Slow submission turnaround
Manual data entry from PDFs, emails, and forms takes hours — brokers lose patience and move on.
Inconsistent risk decisions
Without a structured scoring framework, similar risks get treated differently across underwriters and lines.
Incomplete submissions
Missing documents and data fields cause repeated back-and-forth with brokers, stalling the pipeline.
Siloed tools and systems
Data locked across emails, PDFs, spreadsheets, and legacy policy systems with no unified workflow view.
How it works
From submission
to bind — automated
PolisiQ's AI agents handle every step of the underwriting workflow — so your team focuses on judgment calls, not admin.
01
Submission intake
PolisiQ ingests new submissions from any channel — email attachments, portal uploads, or API connections — and normalises them into a structured format instantly.
02
AI data extraction & validation
AI reads and extracts all key risk fields from documents — insured details, coverage requirements, loss history, and more — then validates against completeness rules and flags discrepancies.
03
Automated broker communication
When information is missing or requires clarification, PolisiQ automatically emails the broker with a structured request — tracks responses and updates the submission record.
04
Risk scoring & triage
AI scores each submission against your appetite rules, flags referrals, declinations, and straight-through-process candidates — giving underwriters a prioritised queue with pre-populated recommendations.
05
Decision support & policy issuance
Underwriters review AI-prepared summaries, make the final decision, and trigger policy issuance — with a complete audit trail for compliance and re-use.
Platform capabilities
Everything underwriters need,
nothing they don't
Purpose-built for insurance — not a generic AI tool bolted onto your workflow.
Intelligent document extraction
Reads ACORD forms, supplemental applications, loss runs, and supporting documents — extracting structured data with high accuracy.
Completeness validation
Checks every submission against configurable completeness rules and highlights exactly what's missing before it reaches an underwriter's desk.
Automated broker emails
Sends structured, professional follow-up emails to brokers requesting missing information — with tracking, reminders, and full thread history.
Appetite & risk scoring
Configurable risk scoring engine that matches submissions against your underwriting appetite — auto-routing STP, referral, and declination cases.
Analytics & audit trail
Full visibility into submission volumes, cycle times, STP rates, and broker performance — with every decision logged for compliance.
System integrations
Connects with your existing policy management, CRM, and email systems — via API or pre-built connectors. No rip-and-replace required.
75%
Reduction in submission processing time
3×
More submissions handled per underwriter
98%
Data extraction accuracy rate
60%
Straight-through processing increase
Powered by PolisiQ
Built for underwriters.
Delivered by CloudTern.
PolisiQ is CloudTern's dedicated AI platform for insurance workflow automation. It brings together document AI, agentic communication, and configurable business rules into a single, easy-to-deploy solution.
- No heavy IT project — deploy in weeks, not months
- Configurable to your appetite rules and line of business
- Works alongside your existing policy and email systems
- Broker-facing communication handled automatically
- Full audit trail for compliance and E&O protection
- Backed by CloudTern's insurance domain expertise
Submission ID
SUB-2024-00847
Insured
Apex Manufacturing LLC
Line of business
Commercial Property
Coverage requested
$8.5M
Document extraction
Complete
Completeness check
Passed
Broker follow-up
Sent & received
AI risk score
78 / 100 — Within appetite
Use cases
Who benefits from
PolisiQ underwriting
01
Insurance carriers & MGAs
Handle higher submission volumes without adding headcount. Improve STP rates, reduce cycle times, and give your underwriters time to focus on complex risks that need judgment.
02
Wholesale brokers
Get faster responses and cleaner submissions. PolisiQ's broker communication module ensures nothing falls through the cracks and every request for information is tracked and responded to.
03
Program administrators
Run high-volume, rule-based underwriting programs at scale. Configure appetite rules, automate STP decisions, and maintain full audit trails for compliance reporting.
04
Specialty lines teams
Handle complex, document-heavy submissions more efficiently. AI extracts and structures data from lengthy applications so underwriters start with a clear, pre-populated summary.
Ready to modernise your
underwriting operation?
See PolisiQ in action. Our team will walk you through a live demo tailored to your line of business.
Request a demo Or explore PolisiQ.ai independently →
