Predictive Underwriting & Risk Intelligence
Actuarial-grade AI risk modelling that prices risk more precisely and profitably.
The Challenge
Actuarial models built on historical loss triangles and broad demographic risk bands are increasingly inadequate in a world of IoT sensors, telematics data, and satellite imagery. Insurers face adverse selection from competitors with superior risk intelligence. Manual underwriting cycles of 3-5 days for commercial lines are too slow for digital-first distribution channels. Pricing inadequacy — driven by poor risk segmentation — erodes combined ratios and profitability.
The Quapt Agentic AI Solution
QUAPT builds intelligent underwriting platforms that ingest signals traditional models ignore: vehicle telematics, smart home sensor data, aerial and satellite property imagery, clinical and wearable health data, and business operational metrics. Agentic AI models synthesize these signals to produce granular, individual-level risk scores with confidence intervals and plain-language risk narratives — enabling both automated straight-through underwriting and faster, better-informed manual review.
Key AI Capabilities
- Multi-source data ingestion: IoT, telematics, satellite, medical, financial
- Ensemble ML risk scoring models with actuarial validation
- Automated property risk assessment via aerial imagery analysis
- Real-time pricing recommendation engine with profitability guardrails
- Plain-language risk narrative generation for underwriter review
- Portfolio concentration monitoring and accumulation management agents
- Model performance monitoring and continuous recalibration
23%
Improvement in Loss Ratio
60%
Faster Underwriting Cycle
40%
Better Risk Segmentation
3x
Increase in STP Rate
Business Outcomes
- Materially improved underwriting profitability through superior risk selection
- Expanded addressable market by confidently pricing previously declined risks
- Reduced adverse selection as risk segmentation becomes more granular
- Faster time-to-quote enabling competitive advantage in digital distribution
- Lower underwriting operational costs through intelligent automation
- Dynamic portfolio management enabled by real-time risk intelligence
