For insurance brokers
Place the hard-to-place. Get found by the clients who need you.
Carriers are non-renewing whole neighborhoods and homeowners are getting dropped with 60 days' notice. The brokers who can read a property's risk and match it to the right carrier are the ones winning those accounts. That is what Underwrite is built to help you do.
Why brokers are here
The churn in this market is painful for homeowners, and it is your pipeline. Every renewal that gets non-renewed is a family that needs someone who knows how to place a tough property. But finding those clients, and proving to a carrier that the risk is writable, usually means stitching together data from half a dozen tools.
Underwrite puts the risk picture, the submission, the client-facing deck, and the local demand in one place, so you spend your time placing business instead of assembling it.
Property enrichment
Type an address, get the whole property.
One search pulls public records, building permits, and the live MLS listing into a single record — year built, construction, roof age, protection class, replacement cost — with every fact labeled by where it came from.
- Public records, permit history, and listing data reconciled into one property
- Sources shown per fact, and disagreements flagged instead of silently picked
- The corrected value cleans up the shared address record for everyone
Example screen from Underwrite. All figures below are illustrative sample data.
- Year built
- 1978Public records
- Living area
- 3,410 sq ftPublic records
- Construction
- Wood framePublic records
- Roof
- Asphalt shingle, 2004Permits
- Protection class
- PC 4Public records
- Replacement cost
- $1,240,000MLS listing
- 2019Electrical panel upgrade — 200A
- 2012Re-roof, class A assembly
- 2004Addition — 620 sq ft
Insurability & risk
Know how hard it is before you burn a submission.
A deterministic Insurability Score — 0 to 100 internally, four bands externally — sits next to the hazard profile that produced it. You get the broker narrative and the factor breakdown; the client-facing surfaces only ever see the band.
- Recomputed automatically when enrichment or a carrier outcome lands
- Suppressed rather than guessed when the data is too thin to be honest
- Carrier submission outcomes feed back into the score over time
Example screen from Underwrite. All figures below are illustrative sample data.
Most admitted carriers will decline. Surplus-lines markets should quote with a percentage wildfire deductible; lead with the 2019 panel upgrade and the PC 4 rating.
- Fire protection class 4Hydrant and staffed station nearby
- No open claims on recordClean five-year loss history
- High wildfire exposureBrush within 100 ft on two sides
- Roof age 22 yearsAsphalt shingle, replaced 2004
Example screen from Underwrite. All figures below are illustrative sample data.
- 22WildfireBrush within 100 ft
- 88FloodZone X, outside 500-yr
- 61WindChinook downslope corridor
- 34HailFront Range hail alley
- 92EarthquakeLow regional seismicity
Lead intake
Forward an email. Get a researched property back.
Send any lead to [email protected] — a referral from an agent, a homeowner asking for help, a note to yourself. It becomes an enriched property in your book, a contact in your rolodex, and a reply to the sender with the insurability read.
- Works from your existing inbox — nothing new to log into
- The client contact is created from the sender automatically
- The reply waits until enrichment finishes, so it is never a provisional answer
Example screen from Underwrite. All figures below are illustrative sample data.
“Hi — my client is closing on 1420 Ridgecrest Dr in Boulder on the 14th and their carrier just non-renewed. Can you take a look?”
- Property added to your book, fully enriched
- Client contact created from the sender
- Reply sent with the insurability read
Quotes & comparison
Drop the quote PDFs. Get the comparison.
Upload carrier quotes and the limits, deductibles, endorsements, and premium are extracted and lined up side by side. Mark the one you recommend, reorder the columns, and the same set flows straight into the client's presentation.
- Coverages and deductibles extracted from the PDF, not retyped
- Percentage deductibles resolved into dollars for the client conversation
- Pick a recommendation and it carries through to the deck
Example screen from Underwrite. All figures below are illustrative sample data.
Cascade Mutual Admitted $4,180 per year | Recommended Ridgeline Specialty Surplus $6,940 per year | Harbor Point E&S Surplus $8,210 per year | |
|---|---|---|---|
| Dwelling (Cov A) | $1,240,000 | $1,240,000 | $1,100,000 |
| Deductible | $2,500 | $5,000 | $10,000 |
| Peril deductible | 1% wind/hail | 2% wind/hail | 5% wildfire |
| Water backup | Excluded | Included | Included |
| Carrier rating | A- (AM Best) | A (AM Best) | A- (AM Best) |
Client presentations
Send a deck, not a spreadsheet.
Build a client-facing presentation from the property, the risk read, and the quotes you already have. Share it as a link — no login on their end — and see which slides they actually spent time on.
- Property, risk, insurability, quotes, and next steps as ready slides
- Your brokerage’s branding, applied automatically
- Engagement tracking so you know when to follow up
Example screen from Underwrite. All figures below are illustrative sample data.
Carriers & commission
Know what the placement pays before you place it.
Set your commission rate per carrier once. Every property with a known Coverage A then shows what the placement is worth across your preferred carriers, so the economics of a tough account are visible at the top of the deal.
- Per-carrier rates, tracked in an append-only history
- Estimated annual commission on any property with a Coverage A
- Preferred, neutral, and avoid ratings that shape carrier suggestions
Example screen from Underwrite. All figures below are illustrative sample data.
- 12%$502Cascade MutualAdmitted
- 10%$694Ridgeline SpecialtySurplus
- 8%$657Harbor Point E&SSurplus
Regions & referrals
Claim your region and let the leads come to you.
Claim the markets you write in and get a public profile built to rank. Real-estate agents refer their buyers, homeowners who run an insurability report ask for a broker, and forwarded emails land in the same pipeline.
- A public, SEO-built profile per region you claim
- Agent referrals arrive with the property already researched
- Every channel — referral, report, intake email — lands in one deals list
Example screen from Underwrite. All figures below are illustrative sample data.
- 1420 Ridgecrest Dr, BoulderReferred by a real-estate agentNew12 min ago
- 77 Sunfield Way, LouisvilleInsurability report — homeowner requestNew2 hours ago
- 3005 Canyon Rim Ct, LyonsForwarded to intake@QuotingYesterday
How it works
Apply for an account
We review every broker before they join, so the network stays made of people who actually place coverage.
Claim your region
Pick the markets you write in and put your name on them. That claim is what puts you in front of local demand.
Pull risk on any address
Run a property and get the full hazard, protection-class, and rebuild picture in one place — no logging into five vendor portals.
Take the referral
Agents and homeowners in your region land in your inbox. You follow up and place the business.
Real estate agents and lenders, too
If you touch a home transaction, there is a seat for you. Agents and mortgage brokers claim regions and refer clients the same way — the difference is they can send a buyer a risk report before the deal closes, and hand the coverage off to a broker they trust.
See what agents getReady to write in this market?
Apply for an account and claim your region. We review applications by hand and usually get back to you within a day or two.