The #1 pricing and underwriting platform for commercial P&C insurance.
Underwrite
Exponentially
Underwrite
Exponentially
Underwrite
Exponentially
More risks priced. More book written. Better loss ratio. Same underwriting team.
Top global carriers trust hx for underwriting decisions across $75bn+ in annual commercial P&C premium.
hx is the agentic platform for
end-to-end underwriting work.
Submission triage
From inbox to ranked queue, before the underwriter opens a file.
Overnight queue
Bordereaux ingestion
ACORD extraction
Appetite scoring
Complex risk assessment
Run bespoke actuarial models, validate against appetite, and flag decision bounds.
Quote generation
Novel risk pricing
Rate justification
What-if scenarios
Renewals
Pull history, reprice the account, draft terms.
Renewal pipeline
Terms drafting
Rate change rationale
Senior referral flagging
Portfolio Monitoring
Track exposure, concentration, and drift across the book.
Book-shape reporting
Concentration limits
Exposure alerts
Rate change analysis
Wording & regulation
Monitor change, flag what touches your book, draft the response.
Regulatory sweep
Wording-update monitoring
Lloyd's bulletin tracking
Wording analysis
Actuarial modeling
Benchmark loss curves, test new model versions, batch-run the book.
Batch portfolio runs
Loss curve benchmarking
Model re-parameterisation
Version publishing
Submission triage
From inbox to ranked queue, before the underwriter opens a file.
Overnight queue
Bordereaux ingestion
ACORD extraction
Appetite scoring
Complex risk assessment
Run bespoke actuarial models, validate against appetite, and flag decision bounds.
Quote generation
Novel risk pricing
Rate justification
What-if scenarios
Renewals
Pull history, reprice the account, draft terms.
Renewal pipeline
Terms drafting
Rate change rationale
Senior referral flagging
Portfolio Monitoring
Track exposure, concentration, and drift across the book.
Book-shape reporting
Concentration limits
Exposure alerts
Rate change analysis
Reinsurance management
Manage portfolios, stress test treaties and optimize structures
Program stress-testing
Cession optimisation
Treaty fit analysis
Treaty breach alerts
Wording & regulation
Monitor change, flag what touches your book, draft the response.
Regulatory sweep
Wording-update monitoring
Lloyd's bulletin tracking
Wording analysis
Actuarial modeling
Benchmark loss curves, test new model versions, batch-run the book.
Batch portfolio runs
Loss curve benchmarking
Model re-parameterisation
Version publishing
Submission triage
From inbox to ranked queue, before the underwriter opens a file.
Overnight queue
Bordereaux ingestion
ACORD extraction
Appetite scoring
Complex risk assessment
Run bespoke actuarial models, validate against appetite, and flag decision bounds.
Quote generation
Novel risk pricing
Rate justification
What-if scenarios
Renewals
Pull history, reprice the account, draft terms.
Renewal pipeline
Terms drafting
Rate change rationale
Senior referral flagging
Portfolio Monitoring
Track exposure, concentration, and drift across the book.
Book-shape reporting
Concentration limits
Exposure alerts
Rate change analysis
Reinsurance management
Manage portfolios, stress test treaties and optimize structures
Program stress-testing
Cession optimisation
Treaty fit analysis
Treaty breach alerts
Wording & regulation
Monitor change, flag what touches your book, draft the response.
Regulatory sweep
Wording-update monitoring
Lloyd's bulletin tracking
Wording analysis
Actuarial modeling
Benchmark loss curves, test new model versions, batch-run the book.
Batch portfolio runs
Loss curve benchmarking
Model re-parameterisation
Version publishing
Submission triage
From inbox to ranked queue, before the underwriter opens a file.
Overnight queue
Bordereaux ingestion
ACORD extraction
Appetite scoring
Complex risk assessment
Run bespoke actuarial models, validate against appetite, and flag decision bounds.
Quote generation
Novel risk pricing
Rate justification
What-if scenarios
Renewals
Pull history, reprice the account, draft terms.
Renewal pipeline
Terms drafting
Rate change rationale
Senior referral flagging
Portfolio Monitoring
Track exposure, concentration, and drift across the book.
Book-shape reporting
Concentration limits
Exposure alerts
Rate change analysis
Reinsurance management
Manage portfolios, stress test treaties and optimize structures
Program stress-testing
Cession optimisation
Treaty fit analysis
Treaty breach alerts
Wording & regulation
Monitor change, flag what touches your book, draft the response.
Regulatory sweep
Wording-update monitoring
Lloyd's bulletin tracking
Wording analysis
Actuarial modeling
Benchmark loss curves, test new model versions, batch-run the book.
Batch portfolio runs
Loss curve benchmarking
Model re-parameterisation
Version publishing
“The hx platform gives our underwriters a better experience today, while laying the groundwork for faster delivery, stronger data capture and future AI-native workflows across the business.”
Maureen Tomlinson
SVP Operations and Head of AI, Markel Canada
“We chose hyperexponential not only because the hx platform gives us a cutting‑edge, flexible backbone for pricing, underwriting and portfolio analytics, but also because of the collaborative, highly professional partnership they bring to the table.”
Radhika Tata
Chief Operations Officer, Banyan
"Novacore was built to be the most forward-thinking, agent-friendly specialty MGA in the market … hyperexponential is the platform that makes that possible. One foundation across admitted, non-admitted, and reinsurance, and the firepower for our teams to deliver for our agents and outpace the market."
Aaron Miller
CEO, Novacore
“hx gives our teams the ability to design and own complex pricing models without compromise, and to adapt them quickly as conditions change.”
Guenter Kryszon
Chief Underwriting Officer, Markel
“By partnering with hx, we’re making intelligent underwriting a reality for our Global Corporate & Specialty business”
Karen Dayal
Former Chief Underwriting Officer, Aviva
“The hx platform gives our underwriters a better experience today, while laying the groundwork for faster delivery, stronger data capture and future AI-native workflows across the business.”
Maureen Tomlinson
SVP Operations and Head of AI, Markel Canada
“We chose hyperexponential not only because the hx platform gives us a cutting‑edge, flexible backbone for pricing, underwriting and portfolio analytics, but also because of the collaborative, highly professional partnership they bring to the table.”
Radhika Tata
Chief Operations Officer, Banyan
"Novacore was built to be the most forward-thinking, agent-friendly specialty MGA in the market … hyperexponential is the platform that makes that possible. One foundation across admitted, non-admitted, and reinsurance, and the firepower for our teams to deliver for our agents and outpace the market."
Aaron Miller
CEO, Novacore
“hx gives our teams the ability to design and own complex pricing models without compromise, and to adapt them quickly as conditions change.”
Guenter Kryszon
Chief Underwriting Officer, Markel
“By partnering with hx, we’re making intelligent underwriting a reality for our Global Corporate & Specialty business”
Karen Dayal
Former Chief Underwriting Officer, Aviva
“The hx platform gives our underwriters a better experience today, while laying the groundwork for faster delivery, stronger data capture and future AI-native workflows across the business.”
Maureen Tomlinson
SVP Operations and Head of AI, Markel Canada
“We chose hyperexponential not only because the hx platform gives us a cutting‑edge, flexible backbone for pricing, underwriting and portfolio analytics, but also because of the collaborative, highly professional partnership they bring to the table.”
Radhika Tata
Chief Operations Officer, Banyan
"Novacore was built to be the most forward-thinking, agent-friendly specialty MGA in the market … hyperexponential is the platform that makes that possible. One foundation across admitted, non-admitted, and reinsurance, and the firepower for our teams to deliver for our agents and outpace the market."
Aaron Miller
CEO, Novacore
“hx gives our teams the ability to design and own complex pricing models without compromise, and to adapt them quickly as conditions change.”
Guenter Kryszon
Chief Underwriting Officer, Markel
“By partnering with hx, we’re making intelligent underwriting a reality for our Global Corporate & Specialty business”
Karen Dayal
Former Chief Underwriting Officer, Aviva
Explore the hx platform
hyperoperator
Workflow Builder
Calculation Engines
Portfolio Intelligence
The AI agent for underwriting work
hyperoperator coordinates specialist AI agents to run your submission pipeline, chase down missing data, and monitor the book — all inside your controls. So underwriters can focus on judgment, not assembly.
hyperoperator
Workflow Builder
Calculation Engines
Portfolio Intelligence
The AI agent for underwriting work
hyperoperator coordinates specialist AI agents to run your submission pipeline, chase down missing data, and monitor the book — all inside your controls. So underwriters can focus on judgment, not assembly.
Your logic. Your rules. Your audit trail.
Controlled
Agents act only inside the rules you set: authorities, permissions, budgets, and review points.
Audited
Decision Trace captures every action, model call, and data touch. No additional instrumentation needed.
Defensible
Audit trails and governed logic make agent-led underwriting explainable. Designed for PRA, NAIC, BMA, and Lloyd’s.
SOC 2 Type 2 · ISO 27001:2022 · PRA · NAIC · BMA · Lloyd's
SOC 2 Type 2 · ISO 27001:2022 · PRA · NAIC · BMA · Lloyd's
More than an underwriting workbench.
A partner in doing actual underwriting work.
Traditional workbenches
Collect information around a decision
Route work, but don’t act on it
Record decisions after they happen
hyperexponential
Ingest, triage, cleanse, and enrich submissions
Assess risks and calculate pricing
Manage portfolio impacts
Prepare decisions
Improve outcomes
Connected to the systems your business runs on today
Policy admin systems
Sits earlier in the cycle. Your PAS stays the system of record.
Insurance data & models
Called as governed tools inside every workflow.
AI infrastructure
Foundation models, agent frameworks, and inference, governed for insurance.
Productivity & portals
Runs wherever the work happens: web, PAS, portal, API, or scheduled job.
Policy admin systems
Sits earlier in the cycle. Your PAS stays the system of record.
Insurance data & models
Called as governed tools inside every workflow.
AI infrastructure
Foundation models, agent frameworks, and inference, governed for insurance.
Productivity & portals
Runs wherever the work happens: web, PAS, portal, API, or scheduled job.
Policy admin systems
Sits earlier in the cycle. Your PAS stays the system of record.
Insurance data & models
Called as governed tools inside every workflow.
AI infrastructure
Foundation models, agent frameworks, and inference, governed for insurance.
Productivity & portals
Runs wherever the work happens: web, PAS, portal, API, or scheduled job.
Ready to Write a Better Book?
See what's possible in less than 30 minutes.
Ready to Write a Better Book?
See what's possible in less than 30 minutes.