Risk scoring embedded in PAS. Slow to update as models evolved
A California MGA underwriting wanted to stop reacting to risk and start predicting it. The goal: embed real-time, property-level hazard scores directly into the underwriting workflow without rebuilding the policy administration system every time risk models changed.
Integrated Hazard Score API into the quote and underwriting workflow for real-time property risk scoring
Designed a modular rating framework externalized from the PAS rating inputs consumed from external services
Enabled the analytics team to continuously refine models, with underwriting systems consuming the latest scores dynamically
Operationalized predictive analytics without embedding complex logic in the PAS