Owen Carmichael
Former commercial UW operations lead at a regional P&C carrier. Specialized in commercial property and GL. Founded Perilarc to automate the submission screening work he watched underwriters do manually for years. Based in New York.
Underwriters, data engineers, and insurance technology veterans building the UW workbench carriers need.
Our team combines deep commercial underwriting domain knowledge with insurance technology engineering experience — the combination needed to build tools that work in real carrier and MGA environments.
Former commercial UW operations lead at a regional P&C carrier. Specialized in commercial property and GL. Founded Perilarc to automate the submission screening work he watched underwriters do manually for years. Based in New York.
Former software architect at an insurance technology platform. Specializes in ACORD schema processing, policy system integrations, and the data pipeline engineering required for real-time submission scoring at carrier scale.
Former commercial lines UW modeler at a regional carrier. Built loss-cost models for commercial property and workers compensation. Leads Perilarc's risk scoring methodology — defining how Verisk, LexisNexis C.L.U.E. Commercial, and ISO signals are weighted and combined.
Former client executive at an insurance technology vendor. Brings established carrier and MGA relationships across the Northeast and Mid-Atlantic. Leads Perilarc's pilot program engagements and commercial relationships with VP Underwriting and Chief UW Officer buyers.
Former product manager at a commercial lines insurtec startup. Focused on UW workbench UX and integration configuration workflows. Responsible for the appetite matrix configuration interface and the submission queue management experience that underwriting operations teams use daily.
Commercial underwriting is a specialized domain. ACORD form structures, ISO class code hierarchies, Verisk and LexisNexis data dictionaries, NAIC regulatory filings — these require years of hands-on experience to understand well enough to build tools that practitioners actually trust.
The Perilarc team brings both sides: underwriting domain knowledge from careers inside carriers, and the engineering depth to build production-grade integrations with the data vendors and policy systems carriers depend on. That combination is uncommon and, we think, necessary to build tools that work in real carrier environments.
If you have a background in commercial underwriting, insurance technology, or actuarial modeling and want to build tools that practitioners actually use, we want to hear from you.
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