Carriers

Optimize your portfolio in real time

Federato helps carriers grow their book with more deals that align to their portfolio goals.

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“Federato’s AI-native, outcomes-oriented platform aligns with our business objectives to give our underwriters a unified, real-time view of disparate internal and third-party data to consistently evaluate, price, and bind individual accounts.”

“Federato’s AI-native, outcomes-oriented platform aligns with our business objectives to give our underwriters a unified, real-time view of disparate internal and third-party data to consistently evaluate, price, and bind individual accounts.”

Benefits of Federato for Carriers

01

Real-time insight into the state of your book

The Federato platform keeps your teams up-to-date on your entire portfolio, helping track goal progress, avoid accumulation problems, and tie individual actions to results.

02

More profitable risks, quoted faster

Federato helps your underwriters focus their attention first on the highest-appetite, most-winnable deals, lowering time-to-quote for the best opportunities and reducing time wasted on unwinnable risks.

03

Future-proof system with fast time to value

While custom-build underwriting systems can take years to build and deploy, Federato's highly configurable platform can be live and improving your underwriters' workflows in just a few weeks.

04

Consistent, on-target portfolio results

With Federato's built-in decision guidance and real-time reporting, you can prove to your reinsurance partners that your underwriters consistently execute to plan.

Benchmark your performance using this maturity model
MATURITY LEVEL 01
FIFO

MATURITY LEVEL 02
Triage

MATURITY LEVEL 03
AI Decision Support

“Prepare a quote for this with a $15k deductible”

Once a triaged task is selected, AI tools provide decision support.

MATURITY LEVEL 04
Supervised AI Underwriting

“Automatically quote good deals for my review”

The system automatically drafts the best triaged deals and explains its reasoning. The underwriter adjusts for nuance and manages the
relationship.

MATURITY LEVEL 05
True Agentic AI Underwriting

“Automatically quote the safest good deals within guardrails”

AI fully executes a subset of deals that clearly fit strategy according to predefined rules and guardrails. 

Decisions are randomly audited by underwriters for quality control.

Underwriting is at the core of building profitable portfolios, and absolutely vital to delivering better financial outcomes.
This maturity model will help you benchmark where your company is today against the most successful companies in the industry.
If your company’s maturity is lagging, you should spend 30 minutes with us to discuss your goals.
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“We now have the data to fully underwrite any account. We don’t need to chase down financials or hunt for information. All the data points are connected, and everything is concise, organized, and readily available. Now Federato is bringing that same experience to the full policy lifecycle.”

Frequently asked questions

01
How does Federato address the unique challenges carriers face?

Federato helps insurance carriers address key challenges, including managing portfolio accumulation, meeting growth objectives, and accelerating time to quote. The platform provides real-time portfolio insights and decision support designed for carriers, enabling smarter underwriting that drives profitable growth.

02
Can Federato handle diverse carrier portfolios?

Yes. Federato is built to manage the complexity of diverse insurance carrier portfolios, including personal lines, commercial lines, and specialty insurance products. Its real-time tracking, analytics, and risk insights ensure alignment with the portfolio and business strategy and support informed decision-making across all lines of business.

03
How does Federato help carriers scale their operations?

Federato enables insurance carriers to scale operations by streamlining underwriter workflows and prioritizing high-value opportunities. The platform’s AI-powered guidance eliminates bottlenecks, improves decision-making speed, and helps underwriters handle increased business volume without sacrificing quality or profitability.

04
How does Federato integrate with carriers’ existing systems?

Federato integrates seamlessly with insurance carriers’ existing technology stacks thorough a federated data layer. Federato’s data graph can access and extract value from old, difficult data without the technical challenge of sunsetting delicate legacy systems or the headache of a years long data migration initiative.

Related resources

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