Customers

How insurance teams run on Riska.

Use cases from carriers, MGAs and brokers, and the features behind each one.

MGA · Commercial property & crime

Rate, reprice and quote by asking in plain language

A commercial property and crime MGA gives its underwriters, assistant underwriters and account managers one way to rate, reprice and quote: they ask Ask Riska in plain language. It reads the actual record, prices it through the MGA's own rate book and workbook, and shows the premium line by line with the factor behind each one. Nothing on the record changes, and no quote goes out, until a person approves it.

  • Ask Riska
  • Underwriting workbench
  • Document Generation
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Program administrator · Property, crime & auto

Every program tracked against plan, down to the policy

A program administrator writing commercial property, crime and auto runs its annual plan as portfolio metrics in Riska: written premium, loss ratio, bind ratio and mix, each split by line and program and read against the target in the plan. Every number opens onto the policies and claims behind it, so a ratio that drifts in week three becomes a list of accounts to review, not a surprise at the carrier meeting.

  • Reports & Metrics
  • Claims
  • Policy administration
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Carrier · Middle-market property

Every submission and renewal scored against today's appetite

A middle-market commercial property carrier scores every submission and every renewal against its own appetite model in Riska before an underwriter opens it. In-appetite risks move straight on to quoting, borderline ones stop as referrals with the rule and its note attached, and knockouts go to decline with the value that fired them. Underwriters still own every referral and every change to the model.

  • Appetite
  • Submission Triage
  • Workflows
  • Underwriting workbench
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Carrier · E&S property & crime

The most valuable submission always sits on top

An E&S carrier writing property and crime uses Riska to score every submission, renewal and task on expected value: premium size, appetite fit and likelihood to bind, lifted by how close the effective date is. The queue is ordered by that score with the reasons beside each rank, so underwriters start on the accounts most worth winning and decline the rest on the first read. People still make every quote, referral and decline.

  • Submission Triage
  • Appetite
  • Underwriting workbench
  • Workflows
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MGA · Specialty E&S program

One program model, from rate book to bordereau

This use case follows an illustrative MGA writing a specialty E&S program under delegated authority. Its rates, appetite rules and payment plan are configured once on the program and released together. Every quote, invoice and bordereau line then reads from the same bound term, so the month-end carrier report is a run, not a rebuild.

  • Underwriting workbench
  • Appetite
  • Billing
  • Reports & Metrics
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Carrier · $100M+ GWP

From broker inbox to bind on one record

A commercial lines carrier writing over $100M runs intake, clearance, appetite, pricing and bind on one record in Riska. Submissions are read, matched to the account and scored before an underwriter opens them, so the day starts at the decision. People still decide every split match, every referral and every change to the book.

  • Submission Triage
  • Appetite
  • Underwriting workbench
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Wholesale broker · E&S property

Every retail submission chased, filed and renewed

This is an illustrative use case, not a customer report. It follows a wholesale E&S broker that places risks for retail agents. Each submission is read and matched to its account on arrival, missing documents are chased from the broker's own mailbox until the agent replies, and every call lands on the record the renewal team works from.

  • Submission Triage
  • Sequences
  • Call Intelligence
  • Ask Riska
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See it on a book like yours.

Bring a submission, a rate table or a renewal list, and we will run it through Riska with you.

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Usually 30 minutes, with an underwriter on the call.