SPECIALIZED INTELLIGENCE FOR INSURANCE UNDERWRITING

A loss cost change was approved. What does it do to your book?

Insuronix turns an approved loss cost change into dollars, mapped to your policies and renewals, the day the state posts its decision, before the renewals in between quietly cost you margin.

Enterprise-ready

Built for the most regulated environments.

SOC 2 Type II

Annually audited

ISO 27001

Information security

Your VPC

Deployed in-environment

Customer-managed keys

Your encryption

Underwriting isn't complex. The work it depends on is.

Submission preparation takes hours. Filing approval takes months. Portfolio drift goes unnoticed until quarterly review.

Most insurance AI optimizes the call. Insuronix runs the work around it.

Some of the work you've been waiting to automate. 

Regulatory & Advisory Monitoring

Every regulatory and advisory content, mapped to your book

Connect your bureau content and policy data. Turn every circular, regulatory filing, and state bulletin into portfolio-aware intelligence, mapped to the products in your portfolio, quantified in business impact, and delivered to your existing underwriting tools before compliance deadlines force a scramble. Powered by AI built for underwriting, not a general chatbot.

Learn More ›

  • actuarial
  • product
  • compliance
  • filing
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Insuronix product walkthrough Dashboard, View all, Circular Feed, Alerts, Open the task, Change Response Board, Carrier Profile and Operating states. 40 second loop. 4 items need your attentionFiling deadline Aug 20CA Commissioner's Decision and Order (Jul 10) → routed to Underwriting, Product, Compliance, LegalView alerts →Underwriting & Actuarial · Demo Usertestbefore Aug 20Open taskProduct · Demo UserConfigure the class and dual-wage changes in your PASbefore Aug 20Open taskUnderwriting & Actuarial · Demo UserConfirm content basis and flag anything ambiguousbefore Sep 9Open taskCompliance · Demo UserPrepare and submit the carrier rate filingbefore Aug 20Open taskRELEVANTOn record22of 22 across all statesDELIVERED30 days81 channelHOURS SAVEDOn record101≈ $10,100ANSWERED30 days4emailRELEVANCEAccuracy100%2 ratings · correctlymatchedRecent CircularsView allSearch code, subject or noteAll statesAny requirementAny status8 of 8WCMANDATORYApprovedCA CDIRate decisionPublic Record (CA CDI)75 days agoREG-2026-00002HighCA-CDI-2026-PPR· Workers' CompensationCommissioner's Decision and Order - CA+6.6%approved rate change ·Effective Date: Sep 01, 2026WCNEEDS REVIEWApprovedNY DFSRate decisionPublic Record (NY DFS)70 days agoNYCIRB-2026HighNYCIRB-DFS-2026-LC· Workers' CompensationDFS-Approved Loss Cost Revision - NY-21.9%aggregate rate change ·Effective Date: Oct 01, 2026WCMANDATORYApprovedWCIRBRegulatoryPublic Record (WCIRB)98 days agoREG-2026-00001HighWCIRB-REG-2026· Workers' CompensationRegulatory Filing - CAStructuralclassification change ·Effective Date: Sep 01, 2026Active Briefings+ NewWeekly Actuarial BriefWeekly • Mon 7:00 AMProduct Team AlertsReal-time • On TriggerCompliance TriggersOn Event • Instantlyweekly briefWeekly • Fri 9:00 AMPortfolioYour premium and policy counts ishidden in Public view. Switch to Carrierinstance to see it. Workers' Compensation · everything on recordAll states22CA6NY2TX2FL2PA2IL1NJ2GA2NC1VA2ON RECORDPublic record2210 states, 2025–2026BINDING ACTSApproved18state decisions & ordersACTIONABLERoutes to a team184 filings awaiting a decisionTAKING EFFECTNext 90 days1effective dates aheadCalifornia6 circularsPROPOSAL · WATCHINGWCIRBBureau announcementSept 1, 2026 Pure Premium Rate Filing (proposal)The bureau's proposal, not binding. WCIRB filed for an average 10.4% increase. Do not price on this; wait for the Commissioner'sdecision. Copyrighted WCIRB filing.Open public recordFull analysisApr 30, 2026+10.4%proposed rate changeEff. Sep 01, 2026ApprovedCA CDIRate decisionCommissioner's Decision and Order: advisory pure premium ratesThe binding act. Commissioner approved an average $1.65 per $100 of payroll (+6.6%), below the proposed 10.4%. Publicon insurance.ca.gov.Open public recordFull analysisJul 10, 2026+6.6%approved rate changeEff. Sep 01, 2026ApprovedWCIRB / CDIRegulatory announcementUSRP, ERP & Miscellaneous Regulations amendments (dual-wage, ELRs, D-Ratios, 3 decimals)Approved as filed, effective Sep 1, 2026. Dual-wage thresholds and Standard Classification System changes route to product; ELRs andD-Ratios now at three decimals. The approval is public and drives the configuration changes.Open public recordFull analysisMay 15, 2026StructuralEff. Sep 01, 2026ApprovedWCIRBRegulatory announcementWCIRB September 1, 2026 Regulatory Filing (REG-2026-00001)Filed with the Commissioner on Feb 26, 2026: amendments to the USRP (Standard Classification System, wage and payroll limitations,dual wage thresholds), the Miscellaneous Regulations and the Experience Rating Plan (eligibility threshold, primary thresholds, ExpectedLoss Rates and D-Ratios, now at three decimals). Decided May 15, 2026.Open public recordFull analysisFeb 26, 2026StructuralEff. Sep 01, 2026ApprovedCA CDIRate decisionCommissioner's decision: Sept 1, 2025 advisory pure premium rates (REG-2025-00007)CA-CDI-2025-PPR · CA · effective Sep 01, 2025.Open public recordFull analysisEff. Sep 01, 2025 0 needs actionixInsuronix Alertsto user@company.com · 17 h agoOverdue: Confirm content basis and flaganything ambiguous — 13 days overdueConfirm content basis and flag anything ambiguousOpen the taskixInsuronix Alertsto user@company.com · 1 d agoRate decision: Commissioner's decision: Sept1, 2025 advisory pure premium rates (REG-2025-00007)CA-CDI-2025-PPR · CA · effective Sep 01, 2025. You are thefirst alert for a rate decision.Open the board Change Response BoardA board opens when a bulletin is released: classified, the first owner alerted, each step drafted with the numbers for yourbook. The standing plan lives inAlert routing.BulletinCA · Jul 10, 2026 · Commissioner's Decision and OrdeState decisionBINDING+6.6%Effective Sep 01, 2026Commissioner's Decision and Order: advisory pure premium ratesThe binding act. Commissioner approved an average $1.65 per $100 of payroll (+6.6%), below the proposed 10.4%. Public on insurance.ca.gov.View the bulletinRouting and templatePublic record · www.insurance.ca.govResponse plan3/7 doneAll steps7My tasks6Open4Confirm this is the binding state decision, not a bureau proposalCompletedComplianceOwnerUser A (usera@company.com)User A's step on CA-CDI-2026-PPR, so the work starts from what the record actually says. Due before the filing deadline, Aug 20, 2026.CompletedCommentsConfirm content basis and flag anything ambiguousCompletedLegalOwnerUser B (userb@company.com)User B's step on CA-CDI-2026-PPR, so the work starts from what the record actually says. Due before the filing deadline, Aug 20, 2026.CompletedUndo+ TagCommentsConfigure the class and dual-wage changes in your PASOpenProductOwnerUser C (userc@company.com)User C's step on CA-CDI-2026-PPR, so the work starts from what the record actually says. Due before the filing deadline, Aug 20, 2026.+ TagCommentsPrepare and submit the carrier rate filingOpenComplianceOwnerUser D (userd@company.com)User D's step on CA-CDI-2026-PPR, so the work starts from what the record actually says. Due before the filing deadline, Aug 20, 2026.+ TagComments Profile accuracyAll 4 layers complete. Loaded from upload · Sep 18, 2026.~98%CURRENT SCORELines of businessLOADED FROM UPLOAD · SEP 18, 2026Business Owners PolicyGeneral LiabilityCommercial PropertyCommercial AutoWorkers' CompCrimeInland MarineComm UmbrellaIndustry appetiteLOADED FROM UPLOAD · SEP 18, 2026RestaurantsRetailConstructionTechnologyProfessional SvcManufacturingHealthcareReal EstateTransportHospitalityOperating statesLOADED FROM UPLOAD · SEP 18, 202610 active statesALAKAZARCACOCTDEFLGAHIIDILINIAKSKYLAMEMDMAMIMNMSMOMTNENVNHNJNMNYNCNDOHOKORPARISCSDTNTXUTVTVAWAWVWIWYSites to monitorWant Insuronix to watch a page for any state? Add the links here. DashboardCircular FeedAlertsChange Response BoardCarrier ProfilePublic viewCarrier instance9+Search circulars, briefings, filings... insuronixpowered by Arivonix AISETUPDashboardAlertsChange Response BoardCircular FeedBriefingsAnalyticsAlert routingCarrier ProfileData SourcesConnectionsSettingsDashboardCircular FeedAlertsChange Response BoardCarrier ProfileUDemo UserProfile • Replay

Submission Triage

One intelligent workflow for every submission triage, not a stack of tools.

Ingest submissions from email, portals, and APIs. Extract and enrich data with insurance-specialized AI. Score each risk against your appetite rules, portfolio exposure, and winnability signals. Deliver underwriters a clean, pricing-ready file with clear risk signals, institutional knowledge, and a recommended next action.

Learn More ›

  • underwriting
  • pricing
  • product
powered by Arivonix AISubmission TriageWORKFLOWIntakeIntakeTriage QueueTriage QueueUW DecisionUW DecisionIntelligenceIntelligenceCONFIGUREWorkflowsIntegrationsSettingsJWJennifer WalshSenior UnderwriterIntake & IngestionLive pipeline — AI extraction with source citationsAI Triage & PrioritizationPortfolio-aware scoring — ranked by appetite fit and winnabilityDecision WorkbenchSummit Cold Storage Partners — SUB-2025-0856Intelligence & Workflow OrchestrationContinuous learning + configurable automation rulesIncoming Today7 submissionsNew Sub — Mesa Verde Food09:12sarah.chen@marsh.comExtracted91% conf.BluePeak Digital Health — Cyber14:21david.park@wtw.comProcessing...Ironwood Construction WC+GL16:44robert.kim@burnsandwilcox.comExtracted73% conf.[Portal] Meridian Engineering08:15portal@ryanspecialty.comComplete96% conf.Cannabis retailer — need ins.11:33gary.mitchell@email.comAuto-DeclinedURGENT — Summit Cold Storage07:55paul.andersen@lockton.comComplete94% conf.[API] Cascade Transportation15:02cascade.api@aon.comExtracted78% conf.AI-Extracted FieldsSource CitationsNAMED INSUREDSummit Cold Storage Partners97%ACORD 126 p.1NAICS493120 — Refrigerated Whse94%ACORD 126 p.1 §4REVENUE$9.4M88%Cover Letter p.1EMPLOYEES6191%ACORD 126 p.2 §7EFFECTIVE DATEMay 9, 202599%ACORD 126 p.1 §2BROKERLockton Companies99%Email HeaderLINE OF BUSINESSProperty + GL93%Cover Letter p.1Click any citation to view source documentDocuments5/6 PresentACORD 126 — Commercial GL93%ACORD 140 — Property Section91%Loss Runs 2021–202490%Statement of Values86%Prior Policy Dec Page94%Engineering / Inspection ReportmissingProcessing StatusEmail ChannelEmailClassificationNew SubmissionEntity ResolutionD&B Match ConfirmedExtraction88% CompleteAppetite Pre-CheckPASS — In AppetiteSend to Triage QueueAllURGENTHIGHHas FlagsExportSCORESUBMISSIONLOBAPPETITEBROKERPREMIUM4.6BluePeak Digital Health LLCOpen ReserveSUB-2025-0851Cyber + Tech E&OIn AppetiteWillisPreferred$142,0004.4Meridian Engineering PartnersSUB-2025-0855E&OIn AppetiteRyanPreferred$38,5004.2Mesa Verde Food ProcessingSUB-2025-0847GL + PropertyIn AppetiteMarshPreferred$68,4003.7Summit Cold Storage PartnersURGENTSUB-2025-0856Property + GLIn AppetiteLocktonPreferred$54,8003.3Cascade Transportation Inc.High FreqSUB-2025-0849Auto + WCIn AppetiteAonPreferred$187,0002.9Ironwood Construction LLCHigh FreqSUB-2025-0839WC + GLEdge CaseBurnsStandard$94,200DAYS61d60d45d8d31d21dPORTFOLIO CONTEXTWRITTEN PREMIUM YTD$3.1M of $4.2MHit Rate61%Avg Score3.9Cycle3.2dGL + Property34%Cyber + Tech22%WC18%E&O14%Auto12%CLASS CONCENTRATIONFood Mfg6.2%/10%Data/Tech9.1%/10%Contractors11.4%/10%Trucking4.1%/10%SELECTEDTechnical Rate$57,100-4.0% vs quotedOpen Workbench← Back to TriageSummit Cold Storage PartnersIn AppetiteUrgent — 8 DaysURGENTSUB-2025-0856 · Refrigerated Warehousing & Storage · Minneapolis, MN · Eff: May 9, 2025AI SCORE3.7InfoQuote →AnalysisDocumentsPricingRoutingAppetite Rules Engine1 Pass2 IssuesNAICS 493120 — Refrigerated WhseHardPASSProperty Limit > $10M — Survey RequiredHardEDGEEffective Date < 10 DaysAIEDGELoss HistoryYEARCLAIMSPAIDOPEN RESERVE20240$0$020231$6.4K$020220$0$020211$14.2K$0AIRisk Signals+2 minor claims in 4 years — strong history+Frequency 0.5/yr vs 0.8/yr class avg+Lockton Preferred — 73% hit rateURGENT: 8 days to effective — non-renewal?$12M property requires engineering surveyAI ReasoningClean risk with one issue only: urgency.0.5/yr frequency vs 0.8/yr class average.Bind subject to engineering survey. CallLockton today.Quote subject to survey. Confirm priormarket status.DECISION ACTIONSQuote at Standard TermsQuote at Standard TermsRefer to Senior UnderwriterRequest Additional InformationDecline SubmissionConfirm Decision + Log Feedback →New Workflow RuleFeedback LoopsWorkflow RulesIntegrationsPerformanceActiveOverride Signal12 overrides analyzed —2 rule candidatesEvery Weekly12 eventsActiveBind Outcome8 bind outcomes mapped —model delta +0.14Every Monthly8 eventsActiveLoss DevelopmentQ1 run complete —3 benchmarks updatedEvery Quarterly4 eventsAlertAppetite Drift2 drift patterns detected —action requiredAs triggered2 eventsAppetite Drift Monitor3 Patterns DetectedSpecialty Contractor WC — 6 upward overrides in 30 daysSuggestion: Review rate adequacy for NAICS 238xxx6 overridesApplyDismissCalifornia Cyber — CCPA modifier applied in 4/4 quotesSuggestion: Encode CCPA modifier as automatic rule4 overridesApplyDismissBurns & Wilcox — 38% of WC subs missing NCCI EMRSuggestion: Update deficiency protocol for B&W WC queue9 overridesApplyDismiss

Portfolio Intelligence

Stop pulling reports. Start steering your book.

Ask in plain language: which brokers are dragging your combined ratio, why are FL homeowners trending above target, where are you over-concentrated heading into renewal season. The book answers back with the numbers, the trend, and a recommended next move.

For underwriters making real-time risk calls. For product teams catching deterioration before it moves the combined ratio. For actuarial validating rate adequacy without waiting on a data pull.

Learn More

  • underwriting
  • product
  • actuarial
insuronix port intel walkthrough 1

Professional Services

Your bespoke work, productized.

Work with industry experts who have lived inside underwriting, filing, and operations, converting your licensed regulatory and advisory content into agentic AI workflows that run inside your environment.

A typical engagement: parse your licensed regulatory and advisory content into structured workflows your policy administration system can consume, with end-to-end mapping into Guidewire, Duck Creek, Sapiens, or your in-house platform.

Learn More ›

  • filing
  • product
  • compliance 
hero section professional services 1

Benefits.

60 to 80%​

Lower

Cost of operationalizing bureau and regulatory change

40 to 60%

Faster

Submission to quote

Weeks

Not quarters

To spot portfolio drift

30 to 50%

Fewer

DOI objections per filing

50 to 70%

Less

Manual work for PAS content adoption

Why Insuronix.  

01

A model fine-tuned for underwriting

Expertized and built on underwriting terminologies, classifications, historical policies and documents, and the rules underwriters spent years learning. Not a generic-purpose LLM.

02

Built around the function, not one persona

Underwriters, actuaries, pricing, product, compliance, and filings work off the same platform with the same source of truth.

03

From advisory circulars to PAS implementation, native to the platform.

Turn updates into production-ready workflows without relying on disconnected tools or manual yet cumbersome processes.

04

Accountable by architecture

Trust Scores, citations, catalog, and lineage on every output, and with Human-in-the-loop built to approve every decision the agent makes.

An intelligence workflow layer above your existing systems.

On top of your policy admin and data providers

Insuronix sits above your existing infrastructure, but we make the integrations seamless and efficient. 

Empowering your key resources

Insuronix near automates your decision-making process by enabling better workflows. This empowers your team to run faster and make better decisions.

Inside your security perimeter

Insuronix runs in your cloud account. Submissions, decisions, and inferences never leave your environment.

How it works. 

01

connect icon

Connect

Plug into policy admin, broker portals, data providers, and document sources.

02

Encode

Encode

Configure appetite, authority levels, bureau sources, filing flows, and approval chains.

03

run image

Run

Live across underwriting, actuarial, product, and compliance, with citations and Trust Scores on every output. 

04

Refine

Refine

Every human override, validation, reinforcement, and audit sharpens the next decision. 

See Insuronix in action.

Book 30 minutes for a live walkthrough of the platform, from monitoring regulatory change to spotting where a portfolio is drifting or over-concentrated.

See Insuronix in action

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