Insurance underwriting software that brings every case ready to decide

Applications arrive by broker email, agent portal, and your own website, often with ACORD forms, schedules of values, and loss runs attached. An agent reads each one, checks it for missing fields, and opens the case with everything in place.

The underwriter starts with a complete file, not a request to the broker for the third time.

• Applications captured from digital and agent channels
• Data checked automatically before review
• Cases routed to the right underwriter by line and authority
• Progress tracked at every stage

Agents gather the facts an underwriter needs: the applicant's data, loss history, property or vehicle records, and third-party sources you subscribe to. They write a one-page summary and flag what stands out, such as a gap in coverage history or a building older than your guidelines allow.

Your underwriter reads the summary, checks the flags, and decides. The agent never accepts or declines a risk.

Your appetite, eligibility rules, authority limits, and referral triggers live in one place, written so a manager can read them. Underwriting leads can change a rule or a letter template without waiting for IT.

Every decision carries a trace: which rules ran, what data they used, and who approved the case. Auditors and regulators get a clear explanation for each one.

Rates come from your rating rules, applied the same way on every case and adjusted for the risk. When rates change, you update the rules, not the system.

Agents draft the quote or, for life products, the illustration, with coverage and price laid out clearly. The underwriter approves it, and the broker or agent gets it sooner.

Managers see workload, turnaround, hit ratio, and referral rates by line, region, and underwriter. Trends in exposure and approvals show up while you can still act on them.

The same data supports planning and forecasting, so next quarter's capacity isn't a guess.

Underwriting connects through APIs to the policy administration system you run, whether that's Guidewire, Duck Creek, Majesco, Sapiens, Insurity, EIS, OneShield, or InsureEdge. Bound policies flow to policy and billing without re-keying, and claims history flows back to the underwriter.

Damco Workbench runs in your tenant. Agents sign in as users with their own permissions, and every step is on the record.

An automated underwriting system takes the gathering and checking off your underwriters, so they spend their time on judgment. Routine cases move faster and more consistently, and complex ones get more attention. You handle more submissions with the same team.

Yes. Underwriting leads can change rules, routing, and letter templates themselves, without a developer. That lets you respond to a new guideline or a market shift in days, and every change is recorded with who made it.

Yes. We set up personal, commercial, specialty, life, and health lines, each with its own workflow, rules, and data sources. Adding a new product means adding its rules, not rebuilding the system.

Yes. We connect through your policy system's APIs, so data stays consistent and nobody keys it twice. Your underwriters keep the tools they know, with the agents working beside them.

No. Agents gather data, check rules, summarize, and draft quotes, and the underwriter decides. A case stays a draft until a person approves it, and each agent has an owner on your team.

Pricing depends on the lines, the volume, and the systems we connect. We start with a five-day review of one line of business, then quote the build and the monthly cost to operate it.