For Underwriters

Assess risk faster.
Write it smarter.

Instant visibility into policy wording structure, coverage gaps, and exclusion patterns — so you can make confident decisions at speed.

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Submission Review

Triage submissions in minutes.

When a broker submits a risk with an existing policy attached, you need to understand what's currently covered — fast. Insurance Advice extracts the full coverage structure so you can assess the risk without reading 80 pages.

  • Instant extraction of all limits, sub-limits, excess, and basis of settlement
  • Exclusion mapping — see what's excluded before you quote
  • Extensions and optional benefits identified for competitive quoting
  • Ask IA: "Does this policy cover XYZ?" — cited answers instantly
Submission snapshot
Insured
Apex Construction Pty Ltd
Line
Business Pack
Current insurer
QBE
Expiry
15 Jun 2026
2 coverage gaps flagged vs market standard
Wording Intelligence

Know every wording inside out.

Review your own product wordings or analyse a competitor's. Get a structured breakdown of every clause — spot where your wording leads, lags, or creates unintended exposure.

  • Compare your wording against competitors clause by clause
  • Identify where exclusions differ — tighter, broader, or missing
  • Track wording changes between PDS versions at renewal
  • Semantic matching across different insurer terminology
Wording comparison — Flood exclusion
YOUR WORDING
Flood excluded. No carve-back. 72hr waiting period applies to all flood-related claims.
COMPETITOR A
Flood excluded but carve-back for flash flooding. 48hr waiting period. More favourable to insured.
COMPETITOR B
Flood covered as standard. No waiting period. No sub-limit. Broadest market position.

New Business Triage

Upload the incumbent's PDS from a submission. See exactly what's covered and where your product can offer a better position — before you quote.

Renewal Review

Compare this year's wording against last year's. Identify clause changes, new exclusions, or sub-limit adjustments the product team introduced.

Competitive Benchmarking

Analyse competitor wordings side by side against yours. See where you lead on coverage, where you lag, and where the market is moving.

Delegated Authority Oversight

Review wordings issued under delegated authority. Verify alignment with your syndicate's risk appetite and flag unintended exposure.

Broker Queries

When a broker asks "Does your product cover X?" — use Ask IA to check instantly. Cited answer in seconds instead of flipping through your own wording.

Product Development

Benchmark against the market when designing or updating wordings. Identify what competitors include that you don't and what exclusions are becoming standard.

Use cases

How underwriters use Insurance Advice.

From submission triage to portfolio review, the platform adapts to how you work.

Your toolkit

Three tools that change how you underwrite.

PDS Analysis

Full structured extraction of any wording — yours or a competitor's. Every coverage, exclusion, condition, and defined term mapped and cited.

Coverage Comparison

Compare your wording against competitors or benchmark incumbent policies against your product. Side-by-side matrix with semantic matching.

Ask IA

Query any uploaded wording in plain English. "Does our product cover cyber-related BI?" Get an answer with the exact clause reference in seconds.

Contact

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