underwriting risk scorer
Automate underwriting triage with dual-gate risk scoring and rate-adequacy calculations for new business.
$5
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Claude Code
Cursor
Codex CLI
Muse
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OpenClaw
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Grok
Grok Bot+18 agentsunderwriting risk scorer
Example session with this skill installed
Score these 3 new-business applications:
- Mid-market property, $5M TIV, no losses, quoted $12k.
- Fleet auto, $2M limit, 3 prior claims, quoted $45k.
- Coastal warehouse, $8M TIV, missing inspection, quoted $20k.
- Read your context and instructions
- Compiled the underwriting risk scorer
The underwriting triage and rate-adequacy assessment for the 3 submitted applications are complete. The results identify one high-risk file due to adverse history and one pricing/documentation gate on the coastal exposure.
Underwriting Risk and Rate Adequacy Report
| Application | Risk Tier | Reason Codes | Technical Premium | Adequacy Ratio | Bind Recommendation |
|---|---|---|---|---|---|
| Fleet auto ($2M) | Senior Review | ADV-LOSS, NON-STD | $58,500 | 77% | DO NOT BIND. Price shortfall + adverse history. |
| Coastal warehouse ($8M) | Review | MISS-INFO, AGG-ZONE | $22,400 | 89% | DO NOT BIND. Missing inspection and price gap. |
| Mid-market property ($5M) | Auto-Accept | CLEAN-STD | $10,800 | 111% | CLEAR TO BIND. Standard risk with adequate rate. |
Portfolio Impact Note
The Fleet Auto application shows a $13,500 pricing shortfall against technical requirements. The Coastal Warehouse adds to existing aggregation in Zone 4; while the adequacy ratio is near-target, the missing inspection makes the PML contribution unverifiable.
Justification of Calibration
Tier thresholds are set at 15+ for Senior Review. The Fleet Auto scored 18 due to the combination of high frequency in loss history and non-standard classification. The Coastal Warehouse (12) is borderline due to the aggregation flag.
Next actions
- Escalate Fleet Auto to Head of Casualty (J. Miller) for loss-run deep dive by Friday.
- Request Inspection for Coastal Warehouse from broker (Unassigned) immediately.
- Bind Property via standard workflow (Primary Underwriter) within 24 hours.
Decision-support: Licensed underwriters make final pricing and binding decisions. Risk signals are application facts only.
Connects securely to your tools. The creator never sees your data.
About this skill
Inconsistent underwriting leads to risky business on the books and wasted capacity on clean files. This skill automates the triage of new-business applications by scoring them against adverse signals and verifying if the quoted price actually covers the expected loss.
What it does
- Risk selection scoring ranks applications by exposure size, loss history, and non-standard risk classes.
- Rate-adequacy assessment calculates pure premium and technical premium to identify underpriced risks.
- Workflow gating blocks binding for applications with missing information or inadequate pricing.
- Aggregation detection flags risks that increase concentration in specific peril zones or books.
- Review tiering routes high-impact files to senior underwriters while clearing standard risks for auto-acceptance.
How it works
- Intake records exposure facts, loss history, and quoted premium for the new-business batch.
- Score runs the scoring engine to categorize applications into review tiers based on signal weights.
- Assess calculates the adequacy ratio and shortfall for each application to verify pricing.
- Report generates a bind recommendation gate and an action plan for the underwriting team.
Frameworks & tools
The skill utilizes Python-based scoring scripts (scripts/underwriting_risk_scorer.py, scripts/rate_adequacy.py) and a JSON-based configuration for signal weighting and expense ratios.
Why this beats prompting it yourself
Writing a prompt for underwriting often ignores the math of rate adequacy or fails to provide specific reason codes for triage. This skill enforces a dual-gate logic where a risk must pass both selection and pricing hurdles before clearing for bind, preventing the common mistake of accepting clean risks at a loss.
Use cases
- Submission Triage to prioritize high-exposure or adverse-history files for immediate review.
- Pricing Audits to ensure quoted premiums meet technical requirements and expense loads.
- Capacity Allocation by auto-accepting standard risks to free up senior underwriting time.
- Portfolio Accumulation Checks to flag individual risks that breach concentration limits.
Known limitations
Requires exposure quantification and frequency/severity estimates for accurate rate-adequacy results. Portfolio-level aggregation notes depend on providing existing book exposure data.
How to use
Skills on Agensi run inside your AI agent. Copy the prompt, paste it into your agent, and it connects to Agensi and installs this skill for you. If a payment is needed, your agent shows it to you first.
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