Focus every underwriter on high-value work.
Clean risks go straight through, knockouts stop on arrival, and referrals reach an underwriter with the reasoning attached.
Bind more in-appetite business per underwriter, and keep the risks you would never write off the loss ratio.
Appetite set for each product line.
One model decides which business moves on its own, which stops at the door and which waits for an underwriter.
Bind more without adding headcount when clean risks clear on their own.
Clean risks go straight through, end to end, without an underwriter touching them.
Decline out-of-appetite risks before anyone spends an hour on them.
The broker hears back while there is still time to place the risk elsewhere.
Spend underwriting time where it counts.
The underwriter starts at the decision instead of the research, with the risk factors that referred it laid out.
Use agents to process more accounts than ever before.
Add in controls and human checkpoints where a decision needs to be made.
Appetite that learns from your own book.
Model appetite on past performance and on any attribute in the Data Mesh, and audit how each one shaped the result.
Never make a stale decision.
Write your guidelines without code and release them at once. Every new submission is scored against the current version.
Score the way your underwriters think.
Group factors into categories, weight them against each other and limit how far one weak input can drag down an otherwise strong risk.
Use our ML or bring your own.
Riska's AI attributes and your own scores sit in the same framework, so every factor is weighed and explained the same way.
Know why every score moved, live.
Records change as new information arrives, and appetite keeps up. See each factor's contribution and how the score got to where it is now.
“The first week we ran it we found we were declining more habitational than anyone in the room believed.”
Score any attribute the way you underwrite it.
Because every attribute sits on the Data Mesh, you can score appetite on any of them in plain language or with no-code tools, then report on the result.
Tiers.
Bands, each with a score. A five year loss ratio under 40 percent scores 100, over 100 percent scores 0, and where the bands fall in between is up to you.
Curves.
For quantities where a bucket edge would be arbitrary. Interpolate along a line, an S curve or a log curve, so total insured value moves the score smoothly instead of in steps.
Static.
Presence is the whole signal. Sprinklered scores 90, and a blank scores whatever you decided a blank is worth.
Pass-through.
The value already is a score. A wildfire rating that runs 0 to 100 goes in untouched.
Referrals an underwriter can clear quickly.
A referral is not a dead end. The underwriter gets everything needed to decide, and the platform acts the instant the answer changes.
Every referral explained
See which rules fired, the score that put the risk in range and the note you wrote on the rule, together on the record.
What would change the outcome
Each factor shows how far it moved the score, so the underwriter knows which answer is worth chasing before going back to the broker.
Nothing missing at the decision
Outstanding requirements sit on the case and hold the next step until each one is satisfied, waived or marked not applicable.
Every option side by side
When a risk could go more than one way, the options are ranked and recorded with the one taken and why not the others.
Knockouts on the record
Out of appetite, recorded against the rule that fired and the score that put it in range. Every decline is one you can explain.
Act the instant appetite changes
Trigger any workflow when a record moves in or out of appetite, from a task for the underwriter to an email to the broker.
Defend every decision months later.
Every result is recorded and filed, so a decision made today can still be explained, and improved, long after the file closes.
Point in time decisioning.
Open any scored version and see the final score with its breakdown. The decisions you make today stay explainable to an auditor, a reinsurer or your own team.
Appetite as a feedback loop.
Turn appetite into a living model. Compare good and bad business against the scores it was written on, and tighten the bands with what your own loss ratio teaches you.
Book wide.
One scoring model across lines means one view of the book. See how each product line, workspace, team and org is performing side by side.
Underwriting, end to end.
Appetite is one decision in a longer path. The rest of the platform carries the same record from intake through renewal.
Bring the referral you worked last week.
We will encode a few of your appetite rules and run a live submission through them, from straight through to referral.
Usually 30 minutes, with an underwriter on the call.