An LLM-powered application and renewal platform for a Lloyd’s coverholder. AI triage routes standard applications straight to issue, while a data-driven doctor risk model feeds price optimisation.
Dashed figures are placeholders pending confirmed engagement data.
Every application across an underwriter’s desk
Every application and renewal crossed an underwriter’s desk. Standard risks queued behind complex ones, quotes took days, and doctor risk profiling, a core line, depended on individual judgement that varied underwriter to underwriter.
As a Lloyd’s coverholder, there were no shortcuts available: the platform had to be faster while staying inside delegated-authority rules, with every decision defensible.
Six stages, one pipeline
Application intake
An LLM layer parses applications and renewals into structured records: fields, attachments, disclosures.
Registry & history checks
Professional registration, sanctions, and claims history are pulled automatically and attached as evidence.
Doctor risk model
A data-driven model scores each professional’s risk profile. Every score is explainable.
Price optimisation
Risk scores feed directly into price optimisation, replacing flat rating with risk-reflective premiums.
Triage & issue
Standard risks bind automatically with the right Lloyd’s wording. Elevated risks route to a senior underwriter with the profile and draft terms attached.
Renewals & audit
Renewals run through the same pipeline, and every decision is logged to Lloyd’s delegated-authority standards.
Watch it work
Underwriters only see risks that need judgement.
What changed in production
Triage, risk model, price optimisation, and the platform itself.
From inbox to issued policy on standard risks, zero manual review.
The triage layer replaces the review bottleneck.
Delegated-authority rules enforced inside the workflow.
Every premium carries a rationale.
Applications and renewals through one pipeline.
Dashed figures are placeholders pending confirmed engagement data.
What it runs on
Models & agents
- LLM application parsing
- Triage agents
- Doctor risk model
- Price optimisation
Platform
- Application & renewal platform
- Lloyd’s-compliant workflows
- Registry integrations
- Secure cloud hosting
Operations
- Senior-underwriter review loop
- Eval suites
- Threshold controls
- Full audit logging