Risk Selection
Select better risks with AI.
Improve your loss ratio by up to 7 points and spend up to 20% less time on underwriting with our risk selection tools.
The view.
Underwriting Desk: risk scores, P&L, aggregation, claims analysis, and moratoriums — all in one screen
Key capabilities.
Everything you need, built into one platform.
Augment
Underwriters spend up to 30% of time on data collection. Our Risk Analysis APIs augment your data with over 30 data sets for every address in the US, Canada, Europe, and the UK.
Prioritize
Replace 'first in, first out' with AI-based risk scores and 'more likely to bind' scores. Help underwriters prioritize work to maximize financial returns.
Select
More than half of submissions are beyond your appetite. Our scoring algorithm identifies them automatically, improving your loss ratio by up to 7 points.
How it works.
From data ingestion to actionable intelligence in minutes.
- Type in an address, Policy No, or coordinates — get 300+ data points including tornado, hail, flood, and wildfire risk.
- Our Underwriting Desk pulls customer data from your core systems and augments it with UrbanStat Risk Score, P&L calculations, and aggregation analysis.
- Proprietary risk scoring determines if a submission fits your portfolio or should be filtered out.
- Review renewals with year-over-year portfolio context — know if a policyholder is still a good fit.
- Use our APIs (1 call, 100+ results, <5 seconds) or our web-based user interfaces.
See Risk Selection in action.
Explore the platform with a walkthrough tailored to your portfolio.