For carriers and MGAs
Underwrite AI on evidence, not on adjectives.
You are being asked to price agents nobody can describe consistently. RiskBorne turns your own conditions into a deterministic engine that triages submissions, records the evidence behind each answer, and keeps watching after the risk is bound.
Submissions that arrive already evidenced
Insureds who run a scan before submitting come to you with an agent register, an attested control set and a verdict against your own conditions. Less back-and-forth, fewer referrals, faster decisions on the risks you want.
Your requirements, encoded exactly
Requirements are stored with clause reference, evidence specification, severity and version. Change a condition precedent and every future evaluation reflects it, with an audit trail showing what changed and when.
See the book after bind, not at claim
Continuous compliance monitoring flags when an insured's controls drift away from the conditions they attested to, so a breach surfaces as a conversation during the period rather than a coverage dispute afterwards.
How it works for you
From wording to a working engine.
- 1
We encode your wording
Conditions precedent, exclusions and application questions are transcribed into structured requirements with clause references.
- 2
Insureds and brokers scan against it
Every answer is captured as attested evidence, tied to a specific agent and a specific requirement.
- 3
You triage on a computed verdict
Deterministic rules, not a model's opinion. The same inputs always produce the same verdict, and each one shows its working.
- 4
Portfolio analytics and drift alerts
Aggregate insurability across the book, spot concentrations of the same failing requirement, and get warned when an insured moves.
Deployment
White-label, API, or both.
Run the scan under your own brand for your appointed brokers, or call the engine through an API from the submission workflow you already have. Requirement authoring stays with your underwriting team; versioning means a verdict issued last quarter can still be reproduced exactly.
RiskBorne is an independent software provider. We are not a carrier, an MGA or a producer, we do not participate in risk, and we take no position on whether a submission should be written.
Bring us a wording.
We will encode a section of your conditions and show you the engine running against real agent profiles.