Perilarc assembles a complete commercial risk dossier — 40+ data sources, peril exposure scores, business intelligence — in under 90 seconds per submission. Mid-size carriers reduce submission turnaround from 7–11 days to same-day decisions on clean risks.
From automated data assembly to straight-through processing routing — Perilarc handles the intelligence work so underwriters focus on risk judgment.
Complete commercial risk profile assembled from 40+ data sources in under 90 seconds per submission
Commercial underwriting has always required pulling from dozens of data sources — Secretary of State filings, property records, loss history databases, peril exposure maps, and business intelligence feeds. Perilarc’s assembly engine connects to all of them and delivers a structured, carrier-formatted risk dossier before an underwriter opens the file. No manual lookups, no tab-switching, no data entry. The dossier includes every data point your appetite rules require, with source attribution and confidence scoring for each field.
Flood, wind, wildfire, earthquake, and crime risk scores layered from authoritative geospatial sources per commercial address
Perilarc pulls peril exposure data from FEMA flood zone designations, NOAA wind hazard models, USGS seismic hazard data, satellite-derived wildfire risk scores, and CoreLogic and Verisk ISO datasets. Each commercial address receives a standardized peril exposure profile across all covered hazard types. Scores are calibrated to your carrier’s coverage geography and can be weighted by line of business — so a coastal BOP writer gets a different exposure view than a landlocked inland marine carrier.
Automated business verification, ownership structure, financial health signals, and operating history per insured
ACORD forms tell you what an applicant reports about themselves. Business intelligence data tells you what the record shows. Perilarc enriches every submission with Secretary of State registration status, UCC filing history, corporate structure and ownership, NAICS classification cross-checks, bankruptcy and litigation signals, and financial health indicators from commercial credit data providers. Discrepancies between application data and enrichment data are flagged automatically as review items for the underwriter.
Underwriting rules and risk appetite thresholds configured per carrier, updated without engineering work
Perilarc’s scoring layer is not a generic insurance AI model. Every carrier configures their own appetite rules, tier thresholds, class-of-business criteria, and rate indication parameters through a guided configuration interface. Changes to underwriting guidelines — new prohibited classes, revised peril tolerances, updated credit score floors — take effect in the scoring model within 24 hours without requiring a software release or carrier IT involvement. Appetite rules are versioned, so historical submissions can always be re-scored against the rules that applied when they were received.
Automatically route clean, appetite-aligned submissions to bind queue; flag complex risks for underwriter review
When a submission scores above your STP confidence threshold — appetite match confirmed, peril exposure within tolerance, business intelligence clean, no data anomalies — Perilarc routes it directly to your bind queue with a pre-populated quote package. Submissions with any flag route to the underwriter review queue with a complete dossier already assembled, so the underwriter starts from judgment work, not data retrieval. Your STP threshold and routing logic are fully configurable and can be adjusted by class, geography, or account size.
Real-time submission funnel metrics, appetite hit rates, and underwriter productivity dashboards
Perilarc gives underwriting management full visibility into the submission pipeline: how many submissions are in each stage, what percentage are hitting appetite by class and geography, which brokers are submitting the most eligible business, and where bottlenecks are forming. Underwriter productivity metrics show time-to-decision by account type, STP rate trends, and override frequency — the data points underwriting managers need to optimize staffing, refine appetite, and report to the CUO.
Practical writing on commercial P&C underwriting automation, peril data, STP, and carrier strategy from the Perilarc team.
What mid-size commercial carriers need to understand before deploying underwriting automation — from data readiness to workflow integration and ROI framing.
STP is technically achievable for 25–40% of commercial submissions. The harder work is defining the appetite rules, confidence thresholds, and audit trail that make it defensible.
Brokers route preferred business to carriers who respond fast. The carriers winning mid-market commercial accounts are those who’ve addressed the data-assembly bottleneck.
Tell us about your current underwriting workflow. We’ll show you exactly what Perilarc produces for a commercial submission in your lines and territory.