Industries/Insurance/MGAs & program administrators
Your underwriting files show judgment that no public dataset contains.
AI labs license de-identified submissions, underwriting notes and referral files from established MGAs and program administrators, within the limits of your carrier agreements.
- Free evaluation, about 3 minutes
- De-identified before delivery
- You approve every system and date
- No cost to you, ever
- SubmissionHabitational risk, 1978 build, prior water losses
- TriageOutside auto-bind rules, referred to a senior underwriter
- UnderwritingInspection ordered, roof and plumbing updates requested
- Carrier referralAuthority exceeded, carrier approves with a water sublimit
- Bind and reportBound and reported on the monthly bordereau
Teaches a model how underwriting authority and judgment actually work.Illustrative example
40 office staff, 6 years
Plus 3 or more years of records in your own systems.
From first call, typically net 30 after acceptance.
Ranges are indicative, not offers, and come from the same model as our estimator.
The MGA and program records buyers ask for
One well-documented system can qualify. You choose what's included, and anything can be left out.
Submissions and underwriting notes
How risks are assessed, questioned and priced.
Rating worksheets and referrals
Where rules stop and judgment starts.
Bordereaux and carrier reporting
How a program is reported and monitored over time.
SpreadsheetsBroker correspondence
How brokers present business and negotiate terms.
Your own guidelines and manuals
Internal underwriting guides, training and audit notes.
SharePoint
Google DriveFrom your systems to a licensed copy
Your originals stay in your systems, untouched.
Your systems
You approve the scope
Systems, date ranges, clients and lines, in writing.
De-identified
People, companies, addresses and account numbers replaced or removed.
Licensed copy
Used for AI training. Never published or resold.
How we handle insureds, brokers and delegated authority
Insured and broker names, addresses, policy numbers and loss details tied to an insured are replaced or removed. Carrier-owned guidelines and rating plans are excluded unless the carrier agrees in writing.
Removed before delivery
- People's names, replaced with placeholders
- Customer, client and company names
- Addresses, phone numbers and emails
- Account, policy and card numbers
- Social Security numbers, dates of birth, health details
- Passwords, gate and alarm codes
What buyers keep
- The request or problem
- The diagnosis, decision or outcome
- Prices, quantities and timelines
- How the work moved between people and systems
Your originals never leave your systems. Only the agreed copy is processed.
What you need
Not sure how much data you have? Nobody expects you to. Volume is measured later, on a call.
Full-time employees
Office and field staff together. Technicians, crews and adjusters raise the valuation.
Questions owners ask
Still unsure? The valuation is free and commits you to nothing.
Request an evaluationOur binding authority agreement mentions data. Can we still take part?
Read it with counsel. Many delegated authority agreements give carriers rights over policy and claims data. Records you own outright, such as internal underwriting notes and broker correspondence, may be licensable even where policy data isn't.
Do bordereaux have value?
Yes, especially over several years. They show how a book changes as underwriting rules change.
We've moved a program between carriers. Does that complicate things?
It means scope is set by period, with each carrier's records treated under its own agreement. The buyer's legal team works through that with you.
Do fronted and hybrid programs qualify?
Often. The question is who owns which records, not how the program is structured.
Does the valuation commit us to anything?
No. It's free and creates no obligation. If you qualify, the final offer comes in writing after a review of your systems. Nothing leaves your systems until you sign.
See what your MGA and program records could be worth.
Free, about two minutes, no obligation.