Case Study

Transforming Underwriting Operations with AI-Driven Submission Intelligence

Industry

Insurance (E&S Specialty)

Location

Global

Our Contributions

Underwriting Transformation, AI Automation, Workflow Orchestration

Technologies

AI/ML, Cognitive Workbench, Microsoft 365 Integration

Coforge partnered with a global U.S.-based specialty insurer in the excess & surplus (E&S) market to modernize its underwriting operations. The insurer faced increasing submission volumes and complexity, driven by document-heavy broker interactions and manual processing.

By implementing an AI-driven underwriting and submission orchestration platform, Coforge enabled a cognitive underwriting workbench integrated into underwriters’ daily tools. The solution automated submission intake, improved prioritization, and enhanced risk insights, empowering underwriters to focus on decision-making while improving speed, productivity, and underwriting quality.

Transformation Timeline

Phase 1

Underwriting process assessment and solution design

Phase 2

AI model development and cognitive workbench integration

Phase 3

Submission automation and triage enablement

Phase 4

Deployment, optimization, and scale

Drag

The Challenge

Underwriting teams were burdened by high volumes of complex submissions, often consisting of thousands of documents received through emails, spreadsheets, and attachments. Manual data entry and document interpretation consumed significant time, limiting the ability to focus on risk evaluation.

The lack of automation and prioritization mechanisms slowed response times to broker submissions, impacting competitiveness in fast-moving E&S markets. Additionally, underwriters had limited visibility into key risk indicators during the submission process, reducing efficiency and decision accuracy.

The insurer required an intelligent, scalable solution to streamline submission processing, enhance risk analysis, and improve underwriting productivity while maintaining control and discipline.

Our Approach

AI-Powered Submission Intake

Developed AI models to ingest and interpret complex broker submissions, including MRCs, loss runs, exposure data, and unstructured documents, eliminating manual data entry.

Cognitive Underwriting Workbench

Integrated AI capabilities into Outlook and Office 365, enabling underwriters to interact with intelligent insights directly within their daily workflow.

Context-Aware Submission Triage

Implemented AI-driven prioritization to assess submission completeness, identify missing information, and rank opportunities based on underwriting appetite and likelihood of bind.

Embedded Risk Intelligence

Enabled real-time risk analysis by surfacing macro and micro risk indicators within underwriting workflows, supporting informed decision-making.

End-to-End Workflow Orchestration

Automated submission interpretation, enrichment, and routing, ensuring faster processing while maintaining underwriting discipline and governance.

Partner / Technology Ecosystem

AI/ML & Cognitive Automation Platforms
Microsoft Outlook & Office 365 Integration
Document Processing & Data Extraction Tools

Impact to Date

+70%

Improvement in Underwriting Productivity

+60%

Faster Binding

-10%

Reduction in Loss Exposure

+5%

Increase in Direct Written Premium (DWP)