AI-Powered Underwriting for P&C Insurance

Accurate, Defensible, Consistent
Underwriting Decisions

Weav.ai reads every submission in full, checks them against your underwriting and appetite guidelines, prioritizes the risks worth your team's time, and hands underwriters a recommendation they can verify — not just a random score. From first triage through bind, mid-term changes, subjectivities, and final audit, every decision is one your team can explain and act on.

Decisioning → Workbenches → Orchestration → Tools

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  • AI-Native Platform
  • Portfolio-Aware
  • Explainable AI Scorecards
  • Human in Control
  • Premium Audit Integrated
  • Closed-Loop Learning
  • Guidewire Insurtech Vanguard
  • Underwriting Workbench
  • Ready for Guidewire
  • SOC 2 Type 2
  • Claims Integration
  • InsurPitch 2026 finalist
  • Data Enrichment
Submission in
ACORD
ACORD 125 / 126

Applicant, locations, limits

LOSS
Loss runs, 5 yrs

3 carriers, mixed formats

SOV
Schedule of values

42 locations

MAIL
Broker email

Requested eff. date 11/1
Submission Score 78 - Ring Graphic
Appetite & triage scorecard
ACME Fabrication LLC

GL + Property · New Business · Code: 56916 · Ohio

Appetite Fit Strong

Appetite fit bar

Loss ExperienceModerate

Loss experience bar

Exposure QualityStrong

Exposure quality bar

Portfolio FitNeeds Review

Portfolio fit bar

Why: Class code in core appetite. Two water-damage claims at location 7 exceed guideline threshold. Adds CAT (severe convective storm) concentration in Franklin County
Recommended next actions

Prioritize and quote
Route to senior UW queue, within LoA

Request loc. 7 remediation
Draft broker email ready

Refer CAT accumulation
Portfolio manager review

Scorecard written back to PolicyCenter

What is AI underwriting decisioning?

AI underwriting decisioning applies AI to the judgment steps of underwriting, not just data capture. It reads a submission, checks it against your appetite and underwriting guidelines, scores the risk, recommends the next action, and explains why. 

Weav.ai delivers this for commercial P&C carriers, MGAs, MGUs, and program administrators (PAs), across submission intake, appetite and triage, risk analysis, quote-to-bind, and post-policy decisions directly into your existing workbench or inside the Weav.ai workbench. With bidirectional API integration into your policy admin system (proprietary or a leading third-party software provider, like Guidewire) the decisions and recommendations are automatically recorded in your system of record.

Business impact

More of the right risks, bound faster

30–60%

Reduction in underwriting time per submission1

8–10×

Underwriting capacity without adding headcount1

2–4 wks

Proof of Value on your live submissions

< 90 days

Typical time to first line of business (LOB) in production

1. Results vary by line of business, submission mix, and workflow. Your Proof of Value measures them on your data.

Why underwriting stalls

Underwriting stalls because of overwhelming admin work

Most submissions never bind. Underwriters still read and research every one. The cost shows up in four places.

01

Low submission conversion

Out-of-appetite and low-winnability submissions consume the same review time as the best risks, so strong accounts wait in the queue and go to faster markets.

02

Inconsistent decisions

The same risk gets a different answer depending on who picks it up. Guidelines live in PDFs and in senior underwriters' heads, which makes decisions hard to defend to auditors, reinsurers, and carriers.

03

Slow quote-to-bind

Missing data, manual research, and referral back-and-forth add days to every quote. Brokers notice, and hit ratios fall.

04

Renewal and portfolio blind spots

Exposure changes, audit findings, and loss trends surface after renewal terms are set, and account-level decisions ignore portfolio concentration.

Decisions, not just data

Built to make the underwriting decision, and show its work

Extraction tools and standalone workbenches organize information. Weav.ai goes further: it evaluates each risk the way your best underwriter would, and gets better with every outcome. Pre-configured by LOB to quickly integrate into your specific workflows, Weav.ai accelerates value delivery by turning those decisions into usable actions right away. And, every decision is supported by the logic and process to get there creating a transparent, defensible, and reviewable decision trail.
Decision first icon
Decision-first

Every submission leaves with a recommendation: prioritize, request information, refer, or decline. Not a pile of extracted fields.

Explainable AI scorecards icon
Explainable AI scorecards

Each score shows the factors, the guideline behind each factor, and the source data. Underwriters can accept, override, or refer with a clear audit trail.

Portfolio-aware icon
Portfolio-aware

Decisions weigh concentration, accumulation, and profitability targets, not just the individual account in front of the underwriter.

Closed-loop learning icon
Closed-loop learning

Quote, bind, loss, and audit outcomes feed back into scorecards, so appetite and triage get sharper every quarter.

Knowledge → Decision → Action

One platform, the full underwriting lifecycle

From first submission to renewal

Every stage shares data, knowledge graphs, scorecards, and transparent audit trails. Start with the stage that hurts most and add the rest when you’re ready. Weav.ai supports the entire quote-to-bind workflow at an account-level, or helps you fix the stage causing the most disruption. Whether you need a complete underwriting solution or want to fix one pain point at a time, Weav.ai will grow with you.

Submission ingestion & clearance

Turn emails, ACORD forms, loss runs, and schedules into a complete, verified submission, and know within minutes whether you can write it.

OUTCOME

Clean, cleared submissions without manual keying or duplicate work.

  • Submission ingestion and analysis
    Any format, any channel, including broker email

  • Accuracy and completeness checks
    Missing fields flagged with a drafted broker request

  • Conflict resolution across documents

  • Business classification
    Knowledge graphs across 100+ industries and class codes

  • Clearance, BOR, and KYC checks

Appetite & triage

Score every submission against your appetite and its likelihood to bind, then route it to the right underwriter at the right priority.

OUTCOME

Underwriters spend their day on risks you want and can win.

  • Explainable appetite and triage scorecards

  • Letters of authority (LoA) analysis
    Referral triggers based on underwriter and MGA authority

  • Assignment and routing

  • Group queues and workload balancing

  • Fast declines with documented reasons

Risk analysis & scoring

Combine submission data, third-party data, and your guidelines into one explainable view of the risk, with the next best action ready.

OUTCOME

Consistent, defensible decisions on every account.

  • New business and renewal scorecards

  • Exposure and loss analysis

  • Risk Navigator
    Compare against similar risks in your book

  • Next best actions

  • Guideline compliance reporting

Quote to bind

Move approved risks to quote and bind without rekeying, with pricing guidance and authority checks built in.

OUTCOME

Faster broker response and higher hit ratios.

  • Rating integration

  • Quote generation

  • Debit and credit guidance

  • Letters of authority checks before bind

  • Bind and PAS integration
    Guidewire, Insurity, Duck Creek, Majesco, or custom

Post-policy decisions

Keep deciding after bind. Endorsements, renewals, and premium audit findings update the risk picture continuously.

OUTCOME

No renewal surprises and a book that stays in appetite.

  • Endorsements

  • Renewal scorecards

  • Premium audit integration
    Connects to Weav.ai Premium Audit

  • Exposure change monitoring

  • Cancellation, reinstatement, and full audit trail

Not sure which stage to start with? Let us help you pick the one with the biggest payoff.
Find where to start

Who it's for

Built for commercial P&C underwriting teams

Carriers

Admitted and E&S carriers that need consistent, auditable decisions across regions and underwriters.

MGAs and MGUs

Delegated underwriters that need speed and proof of guideline compliance for carrier partners.

Program Administrators

PAs managing specialty programs with tight appetite, LoA limits, and reporting obligations.

Reinsurers

Teams overseeing delegated authority and portfolio quality across partners.

Pre-configured for

  • Workers' compensation

  • Commercial auto

  • General liability

  • Business Owner's Policy (BOP)

  • Commercial Property

  • Inland Marine

  • Agriculture

  • Employment Practices Liability Insurance (EPLI)

  • Commercial Package Policies (CPP)

Deep Guidewire partnership

Decisioning that works inside Guidewire

Weav.ai is a Guidewire Insurtech Vanguard and Ready for Guidewire partner. Underwriters keep working in PolicyCenter. Weav.ai adds the decisioning layer and context underwriters need to take action, then writes it all back to your system of record.
Guidewire to WeavAI Information Flow
From PolicyCenter

Submissions, policy, and exposure data

To PolicyCenter

Scorecards, recommendations, and referrals

From PolicyCenter

Premium audit triggers and bound terms

To PolicyCenter

Audit findings and renewal signals
Bidirectional, not bolted on

Data flows in from PolicyCenter and decisions flow back, so there is no wasted time on duplicate, manual data entry between systems.

Continuous decisioning after bind

Initiatied from PolicyCenter, premium audit, renewal scoring, and exposure changes connect into one continuous decision loop.

Complements Guidewire's own AI

Weav.ai adds explainable underwriting decisions and domain knowledge graphs alongside your Guidewire investment, not in place of it.

  • Guidewire Insurtech Vanguard

  • Ready for Guidewire

  • InsuranceSuite integration

  • ClaimCenter FNOL

"Insurers using Guidewire need decisioning intelligence that works inside their existing workflows."

Peeyush Rai, CEO, Weav.ai, on joining the Guidewire Insurtech Vanguards program · Insurance Edge
Guidewire partnership

Buyer's guide

How to evaluate AI underwriting vendor claims

Every vendor now says AI underwriting. Here is what to ask before you believe the demo, and how Weav.ai answers.
What you'll hear What to ask How Weav.ai answers
"X% faster underwriting"

Faster at which step, against what baseline, measured on whose submissions?

Measured on your data. The Proof of Value runs on up to 100 of your live submissions and reports accuracy against your actual outcomes.
"AI underwriter" or "copilot"

Does it recommend a decision against my guidelines, or extract fields and summarize documents?

Decision-first. Ingestion is step one. Weav.ai scores appetite, triage, and risk, and recommends the next action.
"Workflows that run themselves"

Which decisions happen with no underwriter involved, under whose authority, and how are they reversed?

Humans in the loop. Weav.ai automates clear-cut steps within the authority you set and routes consequential decisions to an underwriter with the rationale attached.
"Proprietary AI score"

Can an underwriter, auditor, or carrier see why a risk scored the way it did?

Explainable scorecards. Every factor links to the guideline and source data behind it, with a logged audit trail.
"Integrates with Guidewire"

Is it a validated Guidewire partner, and do decisions write back into PolicyCenter?

Validated and bidirectional. Insurtech Vanguard and Ready for Guidewire, with decisions returned to PolicyCenter.
"Live on day one"

Who maintains appetite rules and guidelines after go-live: IT, the vendor, or underwriting?

Owned by underwriting. No-code configuration lets underwriting leaders update rules in hours, not months.

Evaluating AI underwriting vendors? We’ll help you ask the right questions.
Whether you’re writing an RFP or RFI, or just starting to talk to vendors, we’re happy to share what to look for and what to ask.
Talk to our team

Compare approaches

Where Weav.ai fits
Approach What it does well Where it stops Weav.ai

Ingestion and document AI

Extracts data from ACORD forms, loss runs, and schedules

Leaves the decision to the underwriter
Extracts, summarizes, and decides, with an explainable recommendation

Underwriting workbenches

Organizes tasks and information in one screen

Workflow visibility without decision intelligence
Adds scorecards and next best actions inside your existing workbench or PolicyCenter, or use our pre-built workbench to get started fast.

Rules engines

Applies fixed, deterministic rules

Rigid, IT-maintained, no learning from outcomes
No-code rules plus AI that learns from quote, bind, and loss outcomes

Internal builds

Full control over logic and data

Long timelines, scarce talent, ongoing model maintenance
Team dedicated to maintaining and updating the solution with pre-built insurance knowledge graphs, state-specific codes and regulations, and multiple implementations to prove value fast.

Data Warehouses
Helps insurers understand their book of business.
Requires analysts to manage with manual entry or complex integrations to core systems.
Supports full portfolio analysis natively showing where a book may be overexposed, which agents/brokers are truly profitable, or opportunities for growth in underserved areas.

Proof of Value

See the decisions on your own submissions

No slideware. Weav.ai runs your live submissions against your appetite and shows you what it would have decided.

  1. Analyze up to 100 live submissions

    Your formats, your lines, your guidelines.

  2. Appetite accuracy report

    How well Weav.ai matched your in-appetite and out-of-appetite calls.

  3. Triage versus actual outcomes

    Priority scores compared to what quoted, bound, and declined.

  4. Missed opportunities

    Good risks that were declined or never reached an underwriter.

  5. Scorecard and ROI summary

    A business case your CUO and CFO can review.

Start small.
Scale with proof.

Begin with one line of business. Weav.ai is API-first, so it fits alongside your current systems without a replacement project.

  • 2–4 wks

    Proof of Value

  • < 90 days

    First LOB in production

  • Then

    Add lines, stages, and teams

Request a Proof of Value

Enterprise-ready

Secure, open, and yours to control
SOC 2 Type 2

Independently audited security controls.
Private cloud or on-prem

Deploy where your data governance requires.
SSO

Okta, Microsoft Entra ID (formerly Azure AD), and Auth0.
Model-agnostic

Use GPT, Claude, Llama, Mistral, and other models under your policies.
API-first and MCP-ready

Connect core systems and data providers such as Verisk and Nearmap.
Full audit trail

Every recommendation, override, and decision logged.

Not quite ready?

Start with one agentic tool

Weav.ai Agentic Productivity Tools handle one underwriting task at a time, with free trial tokens and no integration project.

FAQ

AI underwriting questions, answered

Schedule a call

See Weav.ai manage your submissions

Schedule a 30-minute working session with our team, not a generic product tour or sales pitch.

  • A live scorecard on a sample submission from your line of business

  • How Weav.ai fits your Guidewire or PAS environment

  • A Proof of Value plan and success criteria

Prefer email? hello@weav.ai · At Guidewire Connections 2026? Meet us at booth DU-S2