For MGAs and carriers
Receive submissions you can rate.
The underwriting was never the hard part — getting the data was. Give us your intake and your output format: applicants arrive having defined what error means for their model, with measured outputs behind it, and the package lands in the shape your quote engine already reads. One per model, and add-a-model for anyone already under your wording.
Packages in your own format
You define the output once — the fields, the file format, where each value comes from. Every submission then arrives that way: your completed application, your spreadsheet of outputs against ground truth, your attachments. No re-keying, no chasing.
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.
Multi-model, and add-a-model after bind
An applicant with six agents sends six rateable packages, not one vague description. A policyholder who deploys a seventh adds it as a scope extension and you get the same package for that model alone — and every package is kept current as the evidence moves.
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 assessment 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
Your instance, your requirements.
Your workspace is isolated and domain-verified: applicants are measured against your form alone, and no other market's requirements are visible in it. Requirement authoring stays with your underwriting team, and 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.
Evidence provenance
Evidence that arrives from an applicant's own systems, continuously, rather than a claim on a form.
That is the difference between attested and verified, and it is a genuine pricing input an underwriter has never had before. A control an applicant asserts at application is worth less than the same control still reporting in month nine — and our report tells you which one you are looking at, per requirement.
We take it over OpenTelemetry, the open standard the industry has converged on, so applicants connect whatever observability they already run rather than building to us. A signed webhook and a polled endpoint cover the rest. We read monitoring metadata only — never prompts, completions or customer data — and store aggregates, not spans, which is usually the shortest route through an applicant's security review.
Webhook and heartbeat available today · OpenTelemetry coming soon
Coming soon
On the roadmap, not yet available.
We list these plainly because underwriters ask what comes next. None of it ships today, none of it is included in a plan, and nothing you buy now depends on it.
Bring your own wording
PlannedUpload a revised policy form and we encode it into your instance: your team reviews every extracted requirement, publication supersedes the prior version, and historical assessments stay reproducible.
Applicant-facing white-label
PlannedSend an assessment invitation to an applicant under your own brand and domain, with RiskBorne as the engine underneath.
Carrier API
PlannedPull structured risk data directly into your own underwriting workflow, or embed intake in your own funnel.
Agency management system integration, starting with HawkSoft
PlannedReach the retail agencies where they already work, so a submission can originate inside their system of record.
Agent registration
PlannedAgents register directly and emit lifecycle events — deployed, model changed, guardrail modified, incident — so the record updates itself between assessments.
Client MCP ingestion
PlannedWhere an applicant exposes an MCP server, read their agent inventory directly instead of asking them to complete a form.
Bring us a wording.
We will encode a section of your conditions and show you the engine running against real agent profiles.