The fastest path from submissions to better decisions
Unify any or all stages of underwriting, from submission to quote, with the Pibit AI Underwriting OS for 20% higher hit ratio, 2x underwriter throughput and 70% faster time to quote.
Nation’s underwriting runs on Pibit
The fastest, most accurate path from submissions to better decisions
Submission intake, clearance & appetite
Every submission cleaned, completed and in appetite, before it reaches an underwriter.
Omnichannel intake and deduplication
Automated completeness checks
Appetite validation
Seamless system integration & data sync
Document extraction
& external research
Every document becomes validated with decision-ready data, enriched with the outside picture.
Universal document ingestion
Handle every commercial document, any carrier, broker, template or format, across every line, loss runs, ACORDs, MVRs, SOVs, ExMods, IFTAs and more.
Automated data extraction & normalization
Get rater-ready and underwriting-ready data, structured and normalized, with no rekeying or manual QA required on your side.
Workflow-level validation
Validate and trace every field to its source, backed by 99.9% workflow accuracy with our human-in-the-loop.
Automated account enrichment
Enrich each account from public and industry sources, license boards, OSHA, SAFER, SEC, OFAC, reviews, and data providers for underwriters to get the complete picture beyond broker documents.
Pre-review summaries
Access submission summaries and analytics across losses, exposures, payroll, fleets and locations to highlight account exposure upfront.
Risk analysis, triage & prioritization
The best risks reach the right underwriter first.
Transparent risk scoring
Eliminate black boxes and get an explainable risk score for every submission built from individually scored factors.
Intelligent queue prioritization
Prioritize queue by appetite, urgency and profitability, to replace first-in first-out list with configurable logics.
Automated signal & hazard detection
Receive positive and negative risk signals to surface hidden trends and patterns before review.
Contextual account insights
Generate account summaries for underwriters and receive similar-account insights to bring relevant history forward.
Strategic portfolio alignment
Tune prioritization logic as per portfolio goals to never miss the business your book needs.
Rating & pricing
Pricing starts with clean inputs, not a blank form.
Zero-touch rating input
Obtain pre-filled rating inputs from validated submissions requiring zero manual re-entry into any rater.
Automated base quote generation
Generate base quotes automatically from rater-ready data to stay ahead of competition and get a jumpstart before you bind.
Multi-scenario pricing modeling
Comprehend several pricing scenarios auto-populated side by side for maximum clarity.
Traceable audit trails for every value
Link back every number to the origin page to ensure your underwriters can defend the quotes without sifting through vast piles of documents.
Embedded decision & profitability analytics
Evangelize pricing and profitability signals alongside the quote to guide the final decision.
Quote and bind
Quotes go out in hours, tracked from first draft to decision.
Automated quote & document assembly
Generate quotes automatically with forms and documents assembled without typing manually.
Multi-option & cross-line quoting
Produce multiple quote options for a single submission or build a single quote by combining options across lines.
Quote lifecycle tracking
Track every quote through selected, declined or pending statuses while capturing the reasoning.
Core system synchronization
Sync quotes directly with your policy admin and agency management systems and eliminate rekeying work.
Complete version control
Grasp the entire record of every version and decision with the submission.
Portfolio management & reporting
Every decision connects to the health of the book.
Real-time portfolio performance tracking
Witness book performance and composition in real time across geographies, industries, perils, brokers and even underwriters.
End-to-end pipeline & metric analytics
Track submissions, quotes and renewals at each instance, alongside hit ratio, premium and turnaround time, among others.
Strategic workflow alignment
Fathom portfolio goals inside the underwriting workflow to align day-to-day decisions with overarching business strategy.
Executive & production dashboards
Visualize portfolio, agency, underwriter and production performance with interactive dashboards.
Proactive exposure & capacity management
Exposure and capacity monitoring keeps concentrations visible before they become a problem.
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Build for outcomes,
not output
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Integrating [the Pibit AI Underwriting OS] has improved our submission process and helped our team move from support work to true underwriting.
Michaela Morrison
Chief Operating Officer
Method Insurance Services
(a subsidiary of Cake Insure, Inc., a Pinnacol Assurance company)
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Pibit.AI increased our underwriting efficiency by processing every carrier format loss run seamlessly, including complex cases. A must for any MGAs.
Danil Kolesnikov
Founding Engineer
Shepherd Insurance
Adam Price
Chief Executive Officer
Kinetic
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Pibit.AI delivered exactly what we needed—a carrier-agnostic solution. The advanced reporting features significantly enhanced our underwriting efficiency.
Ben Sankary
Senior Operations Manager
HDVI
Deploying [the Pibit AI Underwriting OS] gave our underwriters immediate power on our larger, more complex accounts that fall outside our straight-through portal, instantly surfacing automated completeness checks, pre-assembled public data, intelligent submission prioritization, and source-linked summaries.
John Zissu
VP of Information Technology
CAMICO
Deployed across
10+ LOBs of all sizes across the nation
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Ready to optimize
