Commercial underwriting decisions backed by ACORD data, ISO signals, and your appetite rules.
Perilarc ingests ACORD 125 / 140 submissions, screens against your appetite matrix, and scores each risk before a human touches the file.
Underwriting intelligence across the submission lifecycle
Three configurable modules that work together or independently within your existing policy system infrastructure.
Appetite Modeling
Configure line-of-business appetite rules by territory, class code, and CAT zone. Auto-screen submissions at intake against your published appetite matrix.
Learn moreRisk Scoring
Composite risk scores drawing on Verisk PolicyAnalytics, LexisNexis C.L.U.E. Commercial, and submission data. Transparent signal decomposition for every score.
Learn moreSubmission Triage
ACORD XML/AL3 ingest, completeness scoring, and auto-route logic — before the underwriter opens the file. Configurable thresholds per line of business.
Learn moreFrom ACORD submission to underwriting decision
A structured, auditable workflow that integrates with Guidewire PolicyCenter, Duck Creek Policy, or Insurity Policy.
ACORD 125 / 126 / 140 XML or AL3. Direct carrier upload, API, or Guidewire / Duck Creek integration.
Submission fields matched against your configured appetite matrix — class code, territory, TIV band, occupancy type.
Verisk + LexisNexis C.L.U.E. + ISO signals assembled into a 0–100 composite score with signal attribution per data source.
Auto-decline, auto-refer to UW, or manual queue — configurable thresholds per line of business with full audit log.
Connected to the data ecosystem commercial underwriters rely on
Perilarc connects to the risk data sources, regulatory systems, and policy platforms already in your stack — as integration partners, not add-ons.
Used by underwriting teams at carriers and MGAs
We were routing submissions manually through spreadsheet filters for appetite screening. Perilarc cut our pre-triage time significantly and standardized the appetite check across our commercial property and GL books.
As an MGA with binding authority across three commercial lines, keeping our appetite communication consistent with producers was a constant pain point. Perilarc's appetite matrix gives us a single source of truth.
Ready to modernize your commercial underwriting workflow?
Talk to our team about a structured pilot for your submission volume, lines of business, and current policy system stack.