Financial Lines MGAs
90 minutes to spread one submission — first quote still wins

Your underwriters are not the bottleneck.
The file is.

A D&O or E&O submission takes 60–90 minutes to spread before a single underwriting decision gets made. We get that file decision-ready in under 12 minutes. Same team. More quotes. More wins.

Show me on a live submission How it works

No commitment. We run it on one of your actual submissions first.

Three problems we solve

Brokers submit to three financial lines MGAs.
The slowest one loses. Every time.

The same submissions. The same PDFs. The same manual spreading. Not because your team does not know what to analyze — because there are not enough hours to analyze everything on every file.

Financial Spreading

Your underwriters are spreading financials by hand. Every file. Every time.

A single D&O or E&O submission arrives as a 100-page PDF. Three years of balance sheets, income statements, cash flows — all need to be extracted, spread into a model, and ratio-checked before anyone looks at the risk. Done correctly, that takes 60–90 minutes per file. At 100 submissions a month, that is 100–150 hours of data entry before a single underwriting decision gets made.

The consequence
The analytical expertise you pay for is sitting idle while your team transcribes numbers from PDFs.
Assessment Speed

Brokers submit to three financial lines MGAs. The one that quotes first wins.

D&O and E&O brokers run competitive placements across multiple MGAs simultaneously. The first competitive indication wins the account nearly half the time — not the best-priced quote, the first one. An MGA that returns an indication in 4 hours beats one that takes 4 days. The gap is almost entirely file preparation time, not underwriting judgment.

The consequence
You are not losing on pricing sophistication. You are losing on turnaround. And the delta is financial spreading time.
Institutional Risk Knowledge

The underwriters who know which financial patterns predict claims are leaving.

Your senior financial lines underwriters have spent years learning which leverage ratios precede D&O events, which industries mask distress in their balance sheets, which broker books carry adverse selection. When they leave, that pattern recognition leaves too. New underwriters look at the same spreads and miss what a 20-year veteran would flag in 30 seconds.

The consequence
Your loss ratio reflects not just the risk you wrote — but the institutional knowledge you kept.
What clients see

Hard numbers.
Not estimates.

12 min
financial file assembly (from 90 min)
150 hrs
recovered monthly at 100 submissions
20–30%
of submissions with financial anomalies caught pre-bind
$1.5–3M
additional annual bound premium
What's actually different
Your underwriting team does not have a skills problem.They have a capacity problem.
And it resets every time a new file arrives.

Every financial lines underwriter knows what to analyze. The leverage ratios. The coverage ratios. The off-balance-sheet items. The litigation history. The industry distress signals. The broker's submission quality track record.

The problem is not knowledge. It is execution at volume. At 100 submissions a month, doing every check on every file — spreading 3 years of financials, pulling EDGAR filings, running PACER checks, benchmarking ratios against industry medians — consistently, without exception — is not humanly possible in the time brokers give you.

AI tools have existed in financial lines for years. They triaged your queue. They built dashboards. What they could not do was act. The shift that matters: agents that run the moment a submission arrives, fire every enrichment check in parallel, and deliver a complete analytical workup before your underwriter opens the file.

Financial Data Enrichment Layer
Connects to every data source your underwriters check manually — before they open the file
SEC EDGAR filings for public entities. PACER federal litigation records. Secretary of State entity verification. D&B financial health scores. Industry financial benchmarks by SIC code. News and sentiment signals. Prior claims indicators. All queried in parallel, the moment the submission arrives. Your underwriters already know these sources. The agent checks all of them, on every file, without exception.
Context feeds the agent
Autonomous Financial Analysis Agent
Runs continuously. Does not wait for someone to have bandwidth.
Parses the submission the moment it arrives. Extracts and spreads 3 years of financials from PDF. Calculates leverage, coverage, liquidity, and profitability ratios. Benchmarks each ratio against industry medians by SIC code. Flags distress signals, anomalies, and off-balance-sheet exposures. Runs entity verification and litigation checks in parallel. Checks the risk against your appetite matrix before your underwriter spends a minute on it. Average time from submission receipt to complete workup: under 12 minutes.
Outcomes feed back into context
Living Underwriting Context
Captures the reasoning behind every decision. Builds the institutional knowledge that does not leave when people do.
Which financial ratio thresholds your underwriters override and why. Which SIC codes consistently generate adverse loss development. Which broker books carry adverse selection patterns. Which financial anomalies your team treats as disqualifying vs. explainable. Most AI tools process your submissions. Ours learns from them. The pattern recognition your senior underwriter built over 20 years does not retire when they do.
Closed loop
Outcome data flows back to Layer 1 — context updates, agent improves

Most AI tools are day-one every day. Ours is not.

Pricing

If we do not save your team time
on the first file, you do not move forward.

No seat licenses. No annual contracts up front. We start by running the agent on one live submission from your current queue. You see the output. You decide if it is worth continuing.

Show me on a live submission

No commitment. We show you the output first.

Start
One live submission. No commitment.
Design partner phase
Free access for 6 months. Built to your appetite and workflow.
Full platform
$75K–$150K/year. Rate locked for 2–3 years. Cloud or on-premises.
The live submission

We run it on your file.
Then you decide.

No demo of features you have not asked for. No sales deck. One live submission from your current queue. We run the full financial analysis and show you the complete workup. Elapsed time: under 12 minutes.

1
Send us one live submission from your current queue.

Any format — PDF financials, broker email, portal export. We sign an NDA before you send anything. One current submission is enough.

2
We run the full financial analysis in real time.

Financial spreading across all years. Ratio benchmarking against industry. Litigation and entity checks. Risk signal flagging. Complete workup assembled in parallel.

3
You see what your underwriter would have spent 90 minutes building.

Delivered in under 12 minutes. Then you decide if that changes anything about how your team operates.

Show me on a live submission

You will speak with a founder who has read your specific workflow. Not a sales rep.

Boost Revenue for MGAs and P&C Carriers Through AI | Incerto