The AI Underwriting OS, now in the Guidewire ecosystem
Pibit AI is a Guidewire Technology partner and is available on the Guidewire Marketplace.
How the PolicyCenter integration works
A submission arrives in PolicyCenter
Guidewire App Events tell Pibit AI that a new submission or renewal needs work.
The Underwriting OS does the prep work
Intake, extraction, research and risk analysis run on the submission and its documents.
Results land back in PolicyCenter
Through Guidewire Cloud APIs, secured by Guidewire Hub, the analyzed submission lands on the Submission or Renewal job for underwriter review.
The integration is in development with Guidewire. Ask us about timelines for your PolicyCenter setup.
Outcomes, not outputs.
What carriers and MGAs see with Pibit AI.
Start with one module, or the full OS
The stages of the AI Underwriting OS work on their own or together. Start where your team loses the most time.
Intake & clearance
Every submission cleaned, completed and in appetite, before it reaches an underwriter.
- Omnichannel intake and deduplicationIntegrate all submission sources from emails to agent portals to CRMs to core systems directly into one structured record, including merging capabilities for duplicate submissions to avoid redundancy.
- Automated completeness checksIdentify and check each attachment at arrival for completeness and trigger broker requests for missing items.
- Appetite validationClear or deny requests at inception by running appetite and clearance rules based on your program guidelines on every submission to catch in-appetite and out-of-appetite risks.
- Format-agnostic process excellenceSplit multi-submission PDFs into separate records to evaluate all submissions with individual lenses.
Extraction & research
Every document becomes validated, structured data, enriched with the outside picture.
- Universal document ingestionHandle every commercial document, any carrier, broker, template or format, across every line, loss runs, ACORDs, MVRs, SOVs, ExMods, IFTAs and more.
- Desktop research, retiredIntegrate your contracted vendors and data sources, from Moody’s and D&B to CAB, CoreLogic, and Nearmap, among others.
- Field-level validationTrace every field to its source, validated to 99.9% field-level accuracy with our human-in-the-loop.
- Automated account enrichmentEnrich 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.
Triage & risk analysis
The best risks reach the right underwriter first.
- Transparent risk scoringEliminate black boxes and get an explainable risk score for every submission built from individually scored factors.
- Intelligent queue prioritizationPrioritize queue by appetite, urgency and profitability, to replace first-in first-out list with configurable logics.
- Automated signal & hazard detectionReceive positive and negative risk signals to surface hidden trends and patterns before review.
- Contextual account insightsGenerate account summaries for underwriters and receive similar-account insights to bring relevant history forward.
Rating & pricing
Pricing starts with clean inputs, not a blank form.
- Your exact rater, filled automaticallyFill any rater with every formula, tab, and logic path intact, and populate values in the correct dependency sequence.
- Multi-scenario pricing modelingComprehend several pricing scenarios auto-populated side by side for maximum clarity.
- Embedded decision & profitability analyticsSee pricing and profitability signals alongside the quote.
Quote & bind
Quotes go out in hours, tracked from first draft to decision.
- Automated quote & document assemblyGenerate quotes automatically with forms and documents assembled without typing manually.
- Multi-option & cross-line quotingProduce multiple quote options for a single submission or build a single quote by combining options across lines.
- Quote lifecycle trackingTrack every quote through selected, declined or pending statuses while capturing the reasoning.
- Core system synchronizationTransfer accepted quotes to your PAS, and receive a status update back the moment a policy is bound.
Portfolio management
A bird's eye view of the book with zero black boxes.
- Live trends on the goObserve form and fluidity in the moment of execution
- The full pipeline, measuredEvery stage and metric in one place
- Dashboards that steerVisibility for leadership and production
- See performance, drive outcomesPortfolio analytics and lifecycle tracking
Trusted by carriers and MGAs across insurance.
50+ carriers and MGAs across 10+ lines of business
Deploying the Pibit underwriting platform 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 ZissuVP of Information Technology, CAMICOThe AI commissioned to eliminate everything a human doesn’t need to do.
One governed ensemble, built for accuracy and speed.
Governance for IT teams
- No heavy lifting and no rip-and-replace for deployment.
- Agentic workflow building for launching and managing programs and modules.
- Integration with your policy admin, rating and document systems, with no technical hassle.
- Full ownership and visibility of your data at all times.
- Version-controlled configuration and sandbox testing before anything is deployed.
Ironclad Data SecuritySOC 2 Type II and ISO 27001 certified. Aligned with NIST AI RMF, NIST SP 800-53 Rev. 5 and CSA CCM v4. Hosted on AWS in the US. Your data never trains models used for anyone else.
Running PolicyCenter? Let's talk about your underwriting workflow.
Ask us about timelines for your PolicyCenter setup.
Guidewire, PolicyCenter and the Guidewire logo are trademarks or registered trademarks of Guidewire Software, Inc. Other names and logos belong to their owners.
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