About Perilarc
We built the commercial underwriting workbench we wished existed when we were pricing commercial risk at a carrier.
Built by an underwriter who lived the problem
Owen Carmichael spent several years as a commercial underwriting operations lead at a regional P&C carrier in the Northeast. He watched underwriters make appetite decisions from memory and spreadsheets while ISO and Verisk data sat in disconnected portals — each requiring a separate login, manual copy-paste into the file review workflow.
The submission queue moved through inbox rules, territory spreadsheets, and institutional knowledge that varied by underwriter. When senior UW staff left, that knowledge walked out the door. Producers couldn't get consistent appetite guidance.
In 2024, Owen founded Perilarc to build a carrier-native commercial underwriting workbench that structures the data underwriters already depend on — ACORD forms, ISO signals, Verisk analytics — into a configurable, auditable workflow. Not to replace UW judgment, but to put structured data in front of that judgment before the file touches a human desk.
Perilarc is an early-stage company headquartered at 200 Park Avenue in New York, building for commercial P&C carriers and MGAs with binding authority.
Principles that guide Perilarc
Perilarc structures the data, not the decision. Every risk score includes signal attribution so the underwriter knows exactly what drove the number and can exercise independent judgment.
We work with the standards carriers already use — ACORD 125, 126, 130, 140, AL3, XML. No custom submission portal. No producer re-keying into a new system.
Every score includes full signal attribution across Verisk PolicyAnalytics, LexisNexis C.L.U.E. Commercial, ISO class codes, and ACORD completeness. No black box scoring.
New York, NY
200 Park Avenue, Suite 4100
New York, NY 10017
Located in Midtown Manhattan — close to the carrier and reinsurer offices we serve across the commercial P&C market. Accessible from Grand Central Terminal.
Meet the team building Perilarc
Underwriters, data engineers, and insurance technology veterans. No generic startup team.