Appetite Modeling for Commercial Lines
Define, communicate, and enforce your underwriting appetite across class codes, territories, CAT zones, and TIV bands. Rules apply at intake — before a submission reaches an underwriter's queue.
Territory × Class Code appetite heatmap
Configure in-appetite (green), borderline (amber), and out-of-appetite (red) for every territory and ISO class code combination your carrier writes. Hard-market tightening workflows let you narrow appetite in bulk without rebuilding rules from scratch.
Appetite configuration built for commercial UW directors
Line-of-business rules
Separate appetite configurations per line — Commercial Property, GL, Commercial Auto, Workers Compensation, Inland Marine. Rules do not bleed across lines.
Territory and class code filters
State-level territory rules combined with ISO 5-digit class code filters. CAT zone overlays (Tier 1/2/3 coastal exposure) apply on top of base class code rules.
CAT zone overlays
Coastal CAT exposure tiers applied automatically from submission address and ISO location data. Override-able per class code or territory rule.
Hard-market tightening workflows
Bulk-tighten appetite for a territory or class code range with a single configuration action. Change history maintained — revert is always one step.
Producer-facing appetite summary export
Generate a clean appetite summary document for distribution to appointed producers — no raw matrix exposure, formatted for the producer relationship.
Audit trail per appetite change
Every appetite rule modification is time-stamped with user identity and prior state. Supports UW governance review and regulatory inquiry response.
How a commercial property UW director uses appetite matrix to reduce off-appetite submissions
A UW director at a regional P&C carrier writes commercial property across the Southeast. During hard market cycles, approximately 30–40% of submissions received from producers are outside the carrier's current appetite — typically driven by Florida CAT exposure and aging roof construction class codes.
Without a structured appetite tool, producers only learn a submission is off-appetite after it's been in the queue for two to five days. The UW team spends time on submissions they'll decline. Producers submit speculatively because they don't have current appetite guidance.
With Perilarc's appetite matrix, the director configures FL CAT Tier 1 coastal submissions for ISO class codes 6311–6399 as OUT-OF-APPETITE. Submissions matching that filter decline automatically at intake. The producer receives an immediate structured notice. The UW team's queue only contains submittable risks.
When the director adjusts the appetite — for example, opening up FL Tier 2 inland for specific class codes during a rate hardening period — that change is reflected at intake immediately, and an updated producer appetite summary can be generated within the same session.
Typical Outcome Ranges
Ready to configure your appetite matrix?
Schedule a technical review with our team. We'll walk through your current lines, territories, and class code coverage before recommending a configuration approach.