Explore Our Platform

The connected workbench for agile insurers.

Send named a Leader in IDC MarketScape: Worldwide P&C Intelligent Underwriting Workbench Applications 2023

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Trusted by insurers and MGAs all over the world

More than technology

To enable underwriting innovation, insurers need to combine technology and a partner who can accelerate their underwriting strategy.

Send helps insurers shape their underwriting strategy with an underwriting workbench that standardises complex underwriting processes and expertise to encourage data driven underwriting.

We have developed innovative submission and workbench platforms that combine a deep understanding of how to evolve their underwriting.

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About Us

The connected workbench - built for change

To enable innovation, you need an insurance platform that gives your team everything it needs to be more productive, in one place – a smarter, more connected platform where your resources, data and work align.

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Challenges

80%

of insurers believe they need to innovate faster than ever to keep a competitive advantage.

40%

of an underwriter's time is spent on admin tasks.

Success in Motion

Our agile, modular platform provides the building blocks for success, regardless of your size, scale or existing systems.

Our composable platform

Build your solution

Relevant Components

Agency Management

Effectively manage and maintain records of your agents, including insurers, reinsurers, and brokers.

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Agency Management

Effectively manage and maintain records of your agents, including insurers, reinsurers, and brokers

It allows you to configure and manage agent details, ensuring accurate data and facilitating smooth interactions within the premium lifecycle. By centralising premium party management, you can enhance collaboration and improve data consistency.

Asset Data Management

Manage and standardise large volume asset data.

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Asset Data Management

Manage and standardise large volume asset data

Asset Data Manager allows you to quickly map and structure the data for a standardised view of your assets. This also enriches and enhances the data with additional information while still providing an individual view of your asset characteristics.

Ingest assets data into your rater

We provide a streamlined process to feed data directly to your rater (or wherever you require your asset data to be sent) to ensure that all asset details are available for risk assessment without any manual intervention.

Managing asset data

Asset Data Manager enables the data to view the asset details in a format that can be easily exported and reused for other downstream processes.

Enriched asset data

We use APIs and data services to enrich asset data as required. This could be used to help validate the data or simply enrich the data set through external services such as peril information, Google Maps, etc.

Bordereaux Generation

Automate the generation of bordereaux with configurable templates.

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Bordereaux Generation

Automate the generation of bordereaux with configurable templates

Bordereaux Generation generates your bordereaux with summarised risks written and paid, as well as the production of your risk and premium bordereaux.

You can also tailor the output to meet the specific needs of your insurers as required.

 

Standard Compliance

By default, the bordereaux files generated adhere to the Lloyd’s standards, however these can be enhanced or customised for any specific criteria required by insurers.

Bordereaux Ingestion

Powerful capabilities to ingest and map unstructured data.

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Bordereaux Ingestion

Powerful capabilities to ingest and map unstructured data

Process unstructured bordereaux data from coverholders and brokers into a standardised format.

Bordereaux reports can be complex, and the data received is often in multiple formats and needs to be standardised. This presents a significant challenge for insurers when attempting to process data for effective bordereaux management.

Our Bordereaux Ingestion component converts and maps risk, premium and claims data from different sources into a standardised format, as well as automatically checking the data to reduce errors and improve data accuracy.

 

Smart data mapping

We use generative AI to help simplify the initial data mapping and then automate the process once this has been mapped.

Data accuracy and reduced errors

Manually checking bordereaux data is time-consuming and prone to errors. Our platform automatically checks for duplicates, incorrect currency listings, and other discrepancies to save time and ensure accurate data ingestion.

Unique risk and claim records

We stand apart in our ability to create unique risk and claim records. This provides teams with the ability to view each risk unlike the aggregate view that many other systems offer.

Bordereaux reporting

By creating unique risk and claim records, teams can review the performance of each bordereaux line, helping to make informed decisions on renewals or contract adjustments.

Multiple data formats

While most bordereaux files are sent in the form of a spreadsheet via email, our system can standardise multiple different formats – including ingestion via APIs.

Bordereaux validation

Key terms of a binder or contract are captured within the workflow to help validate the bordereaux as it is ingested.

Clash Checks

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Clash Checks

Identify potential clashes and overlaps in risks across your portfolio

Helping underwriters better understand their portfolio at an account level with the ability to easily identify and address any potential duplicate contracts received from different brokers or existing risks.

 

Improved broker relationships

Being able to easily identify the same submission from different brokers is critical to helping manage your broker relationships.

Identify overlaps in risks

Overlaps in risks across your portfolio could indicate redundancies in coverage or exposure to the same risk from different angles.

Reduce the potential for errors

Avoid any reputational damage or errors as our Clash Checks help you identify overlaps in different business areas that can lead to potential quoting discrepancies.

Clause Library

Quickly select and apply standard clauses to your policies and contracts, ensuring consistency and accuracy within your teams.

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Clause Library

A clause library that can be easily applied to your risks

The Clause Library is a drop-down that helps underwriters to quickly select and apply standard clauses to your policies and contracts, ensuring consistency and accuracy within your teams.

 

Managing clauses across lines

The clause library can select and apply clauses across different lines of business. Your teams can search and apply the appropriate clauses for over 40+ lines of business, ensuring a seamless operations process.

Clause rules

Apply rules within the workflow based on the clause applied – this ensures the correct checks and rules are applied to the risk once the clause has been applied.

Clause management

We’ve simplified clause management by allowing you to easily add new clauses, make corrections to existing ones, and retire outdated ones. This dynamic lifecycle management ensures that your library remains current and relevant – and keeps a record of which versions have been applied to your risks.

Operational efficiency

Our Clause Library allows teams to restructure, align or introduce new clauses throughout the organisation to ensure these are standardised without disrupting the existing workflow.

Clearance & Compliance

Have the confidence to grow and scale without introducing compliance risks.

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Clearance & Compliance

Have the confidence to grow and scale without introducing compliance risks

Ensure regulatory compliance without slowing down your underwriting process.

Our Clearance & Compliance streamlines your due-diligence process and enables you to verify compliance throughout the underwriting process.

Automated sanctions checks happen in the background with our APIs getting to work as soon as a risk has been created.

 

Automated checks

Specialised compliance APIs and data services run in the background to reduce the number of manual checks required. These automated checks ensure robust compliance and can flag issues where required.

Audited compliance

Every check is captured within the system with evidence that the checks have been made – all available as an integrated audit trail for your compliance teams.

Streamlined compliance checks

Automated clearance and compliance checks start as soon as a risk is introduced. This means that most of the clearance and compliance checks have been completed before the underwriter reviews the risk.

Custom compliance workflows

Clearance and compliance checks can be customised with workflows that can refer a risk or place a hold on the underwriting process for that risk for stronger controls on all checks.

Connect

Providing rapid, simplified and scalable system integration that’s built on safe and secure cloud architecture.

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Connect

Providing rapid, simplified and scalable system integration that’s built on safe and secure cloud architecture.

Connect is an insurance-focused integration and data transformation platform. It is cloud based and provides a scalable and highly secure capability, designed to simplify system integration.

An intuitive administration UI supports the creation of code-free integration routes with, guaranteed delivery and complete auditability across the platform as standard. The platform incorporates a full document repository with supporting APIs and malware detection.

In addition, the platform offers the following key advantages:

• Development speed is greatly enhanced with the use of pre-built connectors for the leading Policy Admin, Rating, CRM and many other systems enabling legacy systems to be easily connected.
• A highly scalable and lightweight micro-service architecture with a fully automated deployment mechanism.
• A real-time view of API and integrated systems with alerting and pro-active management.
• Security at the heart of the platform. All data is encrypted in transit and at rest.

Data Partners

Technology Partners

Policy Admin Systems

Additional Integrations

Send is an API first company and is able to integrate with most third-party apps and existing platforms.

Contract Certainty

Proactively guard against future claims and contractual disputes.

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Contract Certainty

 

Proactively guard against future claims and contractual disputes

Ensure contract terms and conditions meet a predefined criteria during the underwriting process.

Providing teams with a defined checklist to validate that the relevant data has been captured before writing a contract, or configured to combine data collected at different stages throughout the workflow.

 

Contract details

Capture a predefined minimum data set before capturing the risk.

Documentation

All aspects of Contract Certainty are captured and available for audit purposes or any post-bind requirements.

Compliance and referrals

The component also triggers referrals when rules are breached and stores all results for audit purposes.

Contract Management

Capture the relevant details for your binding authority contracts with an integrated review and approval process.

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Contract Management

Capture the relevant details for your binding authority contracts with an integrated review and approval process

Our Contract Manager component provides you with a comprehensive solution for managing your binding authority contracts.

Our review and approval processes enable underwriters to easily capture and store all relevant details related to your contracts. This ensures that your contracts are accurately recorded and readily accessible whenever you need them.

 

Integrated reviews and approvals

Reviews and approvals are part of the workflow for your binding authority contract management.

Bordereaux validation

Capture key terms of the contract within the workflow to validate the bordereaux when it is ingested.

Coverholder Management

Effectively scale your business with improved capacity to manage your coverholders.

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Coverholder Management

 

Effectively scale your business with improved capacity to manage your coverholders

Designed to improve the oversight of coverholders, we enable you to easily capture key coverholder and binding authority details for a seamless onboarding process.  

Onboarding

Simplified onboarding for insurers to add or update Coverholder details within the Underwriting workbench – including any due diligence or checks required. 

Compliance monitoring

Set guidelines or terms from the binding authority agreements which can be monitored for audit and to prevent any breaches of conduct. 

Bordereaux Processing

Individual risks are created at the point of bordereaux ingestion and updated with each risk, premium and claims bordereaux, providing a comprehensive view of exposure. 

Document Generation

Generate quotes, policies, and regulatory documents on demand.

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Document Generation

Generate quotes, policies, and regulatory documents on demand

Document Generation allows teams to easily manage templates to generate documentation quickly and accurately. 

Workflows

Quickly and easily generate documents from within the underwriting workflow – this ensures an uninterrupted process and avoids having to work in multiple systems. 

No rekeying

By using data from the risk, this eliminates the need for repetitive data entry and ensures accurate information generated within the documents.  

Dynamic previews

The ability to preview documents from within the Underwriting Workbench enables underwriters to make real-time adjustments before generating any documents. 

Connected library

Document Generation can be linked to clauses managed in the Clause Library or other assets to extract information and add these to the documents.  

Document Management

Document Storage that works intuitively within your underwriting process.

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Document Management

Document Storage that works intuitively within your underwriting process

The influx of emails, documents and files received can be overwhelming. Keeping track of where these are stored or how these are managed can be even harder.

Our Document Storage component allows greater control of how documents are uploaded, organised, secured and managed within the Underwriting Workbench.

 

View documents by policy year

Access to historical documents usually requires a lot of back and forth between systems. Our Workbench reviews the documents over years and pivots the view to segment each policy year individually for easy access to documents associated with previous years of a risk.

Improved document security

Where underwriters deal with sensitive documents that require additional security, these can be ‘locked’ to an underwriter. Documents remain visible to others on the risk to give the full picture, but securely protect any sensitive files, e.g., medical, financial, etc.

Connect to your existing document storage

If you have existing document storage in place, we can connect to this via API to allow your ops and underwriting teams to access this from within the Underwriting Workbench.

Integrated Rating

Enhanced rating capabilities with integrations to your preferred rating platform.

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Integrated Rating

Enhanced rating capabilities with integrations to your preferred rating platform

With Integrated Rating, teams can integrate with their preferred ratings platform to assess and price for risk without disrupting the underwriting process.

 

APIs for your preferred ratings platform

We recognise rating as a key component to the underwriting process and have developed APIs to help connect to your chosen Rating Platform. This ensures a smooth flow of data between your Underwriting Workbench and Rating Platform.

Management Information

Gain valuable operational insights from within your Underwriting Workbench.

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Management Information

Gain valuable operational insights from within your Underwriting Workbench

Our Management Information component provides essential data from your core operational and underwriting activities from within the Underwriting Workbench.

This gives teams a cross portfolio view of your data and provides key performance data, such as potential income from risks quoted or identifying any ‘sticking’ points within your underwriting process.

Provide your teams with the data and insights required to make informed decisions.

 

Focus on key data

Provide your teams with visualised data to simplify large volumes of complex data. Reporting can be setup to focus on the metrics that matter most to your underwriting process. These can be key metrics for faster insights or detailed reporting for a better understanding of the data.

Improved underwriting performance

Help underwriters understand how to best manage the underwriting process with operational data – this could be long submissions are taking or identify which brokers are most likely to convert.

Workflow reporting

Reporting on key performance metrics such as volume conversion rates, as well as the individual or team resources allocated to risks within the underwriting process.

Operations & Underwriting Dashboard

A real-time view of your underwriting operations. Visualise where any given any given risk is within your underwriting process.

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Operations & Underwriting Dashboard

A real-time view of your underwriting operations

Visualise where any given any given risk is within your underwriting process. Dashboards can be tailored for specific team or views required within in your underwriting process.

This helps teams better manage risks within the Underwriting Workbench with standardised workflows, as well as providing related insights for a more efficient operations and underwriting process.

Team dashboards

Dashboards can be setup to be team specific to provide a focused view on the risk. These could be related to general operations or a specific view related to the risks in progress.

Real-time tracking

Providing teams with a real-time view of the risks within the Underwriting Workbench to help prioritise work and allocate resources effectively.

Custom views

Underwriters can select Kanban or List  in the dashboard for a comprehensive view of risks in the system. This provides improved visibility and valuable insights for better operational and underwriting performance.

Rating

Easily record and store pricing details associated with the risks you evaluate from within your Underwriting Workbench.

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Rating

Capture and manage ratings

Easily record and store pricing details associated with the risks you evaluate from within your Underwriting Workbench.

Where an integrated rater is not being used or where there are nuances within a risk, underwriters can manually enter a price into the system.

Whether you’re working off spreadsheets or other sources, our Rating component provides a user-friendly approach to input and manage this process.

 

Manually capture ratings

Our Rating functionality has been designed to enable underwriters to quickly input pricing – this can be for when an automated system is not available or can’t capture the nuances of a risk, or if a quick process is required to quickly input ratings manually in the risk.

Audit and history tracking

An audit trail is present throughout the Underwriting Workbench and applies to manual ratings too. We capture and track any changes or inputs to help create a transparent ‘manual rating process’.

Referrals

Reduce underwriting delays with improved referral management.

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Referrals

Reduce underwriting delays with improved referral management

Where a risk requires further review or approval, this process can be automated or easily assigned to better manage and speed-up referrals.

 

Custom referral workflows

Where you may have a specific limit or rule in place, these can be setup to automate a referral process from within the Underwriting Workbench. Depending on the criteria and rules associated with the referral, underwriters can continue working on the risk, or can be paused entirely while the referral is in progress.

Risk Insights

Leverage analytics to capabilities for enhanced risk insights.

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Risk Insights

Leverage analytics to capabilities for enhanced risk insights

Use data from the Underwriting Workbench to support underwriting decisions at a risk level. Easily identify risks that are within appetite or data points that can challenge experience based underwriting decisions.

Risk Insights provides teams with advanced management information, analytics, and reporting to enhance data-driven underwriting. Understand how similar risks have performed, and how to use that data to improve underwriting performance.

Risk Insights helps you identify your competitive advantage and how to use this data to your advantage.

Smart Submission

Take control of submission chaos and automate the process to increase your submission-to-quote ratio.

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Smart Submission

Take control of submission chaos and automate the process to increase your submission-to-quote ratio.

Smart Submission will transform the way your business views submissions.

We recognise that organising submission data is critical to the success of your underwriting process.

What once was a messy and time-consuming process will feel effortless, with automated submission data and improved underwriting performance.

From the insertion of customer-defined rules to automatically identifying the appropriate SLA – Smart Submission provides the insurance expertise and workflows to support this.

Faster submissions

Generative AI to extract data, auto-populate submissions, and highlight any missing information.

Enhanced submission routing

Configurable workflows, duplication and knock-out rules, and the ability to manage submission priorities.

Visibility of your submissions

Central visibility of submission status to be able to track at individual and team levels and identify bottlenecks.

Enriched submission data

Submissions are enriched with third-party data APIs to improve the quality of data on your submissions.

Smart Submission Inbox

As soon as a new submission is received, generative AI will review the content within the email and attached documents to intelligently assist the creation of your submission.

This means that your submission will be worked on the second it arrives.

Smart Submission lifts data directly from the submission, to preserve data quality and save manual effort by avoiding rekeying.

Submission Triage

Users can toggle easily between the inbox and triage board to review submissions where required.

Submissions are enriched and marked as either high, medium, or low priority – these are automated rules set by you that help pre-determine the priority of the submission.

Depending on how confident you are with the data you are receiving, this can also help you automate declines.

Your submission triage can be set up for teams to self-serve, or for managers to bulk assign incoming submissions.

Data Enrichment

Smart Submission will extract and auto-populate or suggest data that has been extracted during the pre-processing.

We use data services to work behind the scenes to enrich your submission data.

These data services include a wide range of integrations that can be aligned with your requirements.

Risk Creation

Once you have the data required to create the risk, submissions can be created directly to your Underwriting Workbench or your platform of choice.

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Benefits

Unified inbox

Give your teams a real-time view of the Smart Submission shared inbox.

Make sense of unstructured data.

Data extraction to create submissions with unstructured data.

Automated Submissions

Submissions can be created automatically with little to no rekeying.

Improved performance

Automated submissions can increase your submission-to-quote ratio.

Triage dashboard

Provide your teams with a view to efficiently triage and manage submissions.

Real-time insights

Advanced rules can be created to determine appetite and other business preferences.

Manage your SLAs

Set your SLAs and logic to manage submission timing and prioritisation.

Connect to your Workbench

Submissions can be sent to your Underwriting Workbench or platform of your choice.

Data Ingestion Technologies

Send partners with best-in-class data ingestion technologies and we continue to expand our library of integrated vendors.

We can easily align to your business requirements and lines of business.

Ready to automate and organise your submissions?

Schedule an appointment today and learn how you can manage inbox chaos and speed-up submissions with automated extraction and processing.

Learn more about how teams are using generative AI to manage unstructured data and automate their submission process.

Smart Submission can automate and organise your submissions to increase your submission-to quote ratio.

Smart Submission is available as a stand-alone product or as part of Send Underwriting Workbench. Download Now

Task Management

Organise and track tasks related to your insurance operations.

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Task Management

Organise and track tasks related to your insurance operations

Task Manager helps teams to assign, monitor, and track tasks, ensuring effective task management and streamlined workflows as part of your underwriting process.

 

Track progress

For teams and individuals alike, it is important to be able to track and monitor progress of your assigned tasks. This helps to empower teams with a view of the any open or outstanding tasks that have been assigned – helping to keep tasks on track.

Link tasks to individual risks

Tasks are linked to a specific risk – this provides improved visibility of any work required on the risk.

Task allocation

Task Manager can help teams allocate tasks by individual, role, or team. This ensures task are allocated to those best equipped to handle them.

Underwriter Notes

Centralised communication and improved context for teams.

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Underwriter Notes

Centralised communication and improved context for teams

Underwriters can record their observations, decisions, and communication within the system, ensuring a comprehensive audit trail and facilitating collaboration among team members. This also helps fight corporate amnesia when team members change roles.

 

Centralised communication

Underwriter notes enables teams to capture updates on a risk. This helps to centralise the discussion around the risk and provide valuable context to teams.

Improved insights

Where there is nuance on a risk or if someone is reviewing an older risk, it helps to be able to review notes that can impact decisions going forward. This can impact how an underwriter rates the risk or if a risk looks good but might be out-of-appetite based on any notes previously captured.

Increased collaboration

Capturing these insights on the risk encourages communication between teams as these shared notes become increasingly useful to teams throughout the underwriting process.

Underwriting Workbench

Combining a user-focused, single point management of processes and tasks with intuition, efficiency and an agile, composable nature.

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Underwriting Workbench

Combining a user-focused, single point management of processes and tasks with intuition, efficiency and an agile, composable nature.

Workbench is a commercial insurance platform which supports and facilitates the underwriting process, from initial enquiry to bind.

It provides a single customer view of data, empowering users to make the right decisions at the right time. Tasks and workflow are driven by intelligent assist features created to optimise, automate and enhance.

Workbench delivers a complete view of the business portfolio, providing operational and strategic insight to help drive decisions and conduct business with commercial confidence. 

Workbench has been built to align with the following key design principles:

  • Customer information is keyed once, providing a single-entry point for data entry, data cleansing and data enrichment.
  • Data is collected at the right time in the right place.
  • Where information is available, or already held in alternate systems, that data will be pulled into the platform as required. This is accomplished through Send Connect.
  • Advanced artificial intelligence and data processing toolsets will automate the receipt and upload of risk and asset schedules and bordereaux.
  • Advanced operational MI must provide a comprehensive view across all risk data, to facilitate efficient management of operations and focus of teams.
  • Workflow must be easy to configure and support non-linear processing to allow teams to operate in the most flexible and efficient manner.
  • Integration flexibility to alternate systems must be easy to accomplish. This enables integration with a myriad of systems for data enrichment, and facilitates the upgrade and decommission of peripheral systems as required.

Send's underwriting software workbench provides single-point task and process management.

Workflows

Our conversational workflows provide teams with the ability to focus on making better risk decisions.

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Workflows

Our conversational workflows provide teams with the ability to focus on making better risk decisions

Whether it’s managing new business, renewals, or MTAs – our conversational workflows can be tailored for 40+ lines of business to help your teams automate routine tasks and streamline your underwriting process.

 

40+ Lines of Business

We can customise workflows as well as provide out-of-the-box templates for over 40 lines of business. These help teams get setup quickly with proven processes on everything from cyber and space, to marine and property.

Non-linear workflows

Underwriting a risk is rarely a linear process. Our workflows allow teams to work seamlessly between steps to complete a risk.

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News

Send named a Leader by IDC

Send has been named a Leader in the IDC MarketScape: Worldwide P&C Intelligent Underwriting Workbench Applications 2023 Vendor Assessment.

“Send Underwriting Workbench is an insurance-focused solution that sets itself apart with its comprehensive features, offering a seamless and intuitive user experience.”

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14th March 2024

INFUSE: No, AI won’t take your job, but it will make your life easier.

At Send, we believe in staying ahead of the curve. This is why we kicked off our new webinar series,...

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8th March 2024

Intuition vs. Algorithms: Can AI Replicate the Underwriter’s Humanness?

Here is a recap of insights from Insurance Insider's Webinar “Tools, Tech and Talent: Creating the Evolving Underwriter of the...

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