AI native Underwriting Automation for General Insurers

tuistui UBots compute technically sound premiums for commercial and specialty lines in real time — calibrated to your loss experience, reinsurance cost, expenses and target combined ratio. Built in India by non-life underwriters, for underwriters, reinsurers and insurtechs.

The underwriting problem UBots solve

Every insurer faces the same tension: grow premium without giving away underwriting discipline. Manual rating sheets are slow, inconsistent between underwriters, and rarely tested against the portfolio's actual results. UBots answer three questions in seconds:

• Is this premium sufficient to deliver our target combined ratio?

• Does it cover Claims + IBNR (incurred but not reported reserves) + Expenses of Management (EOM) + Commission (COA) + Profit Margin?

• Is the rate inside the Chief Underwriting Officer's (CUO) authority and guidelines?

What UBots deliver

Real-time premium sufficiency

Each quote is tested against your portfolio parameters before it leaves the desk, not after the year closes.

Less manual work

Premium computation, data comparison, workflow and MIS preparation are automated, freeing underwriters for risk selection and client conversations.

Consulting-ready insight

Underwriters move from rate-setters to advisers, explaining to brokers and clients what drives the price.

Audit-ready governance

Underwriting authority logs and result tracking give boards, auditors and reinsurers a clear trail.

Lines of business covered

Directors & Officers (D&O) · Cyber · Financial Institutions · Crime · Commercial General Liability (CGL) · Professional Indemnity (A&E and Single Project) · Property · Construction All Risk (CAR) · Workmen's Compensation · Jeweller's Block · Group Health

Who uses UBots

• Insurers — consistent technical pricing across branches and underwriters.

• Reinsurers and brokers — faster, cleaner treaty submission data.

• Insurtechs and MGAs — launch rated products quickly without building a pricing engine.

See UBots price your portfolio

Book a 30-minute walkthrough using your line of business and parameters.