Move from document review to risk review
Appulate brings structured submission data, AI-powered insights, and approved outside information together in one connected underwriting view.
Instead of piecing together information across documents, websites, spreadsheets, and multiple systems, underwriters can begin with an organized view of the risk that is ready for review.
See the complete underwriting picture
Appulate organizes information captured from the submission and adds context from approved public and commercial sources.
Underwriters can review information such as:
Business identity, locations, and operations
Payroll, revenue, and employee information
Coverages and limits
Classifications
Vehicles and drivers
Prior policy information
Loss history and experience modification data
Outside sources can add context from business registrations, Secretary of State records, motor vehicle records, classification resources, business websites, regulatory and safety records, and other approved data sources.
Focus attention where it matters
Appulate presents submitted information alongside outside findings to help underwriters identify areas that may require a closer look, including:
Differences in business names, addresses, or operations
Potential classification mismatches
Employee, payroll, or revenue differences
Vehicle information that differs from the submission
Missing loss or claim information
Information that appears incomplete, outdated, or inconsistent
AI-generated findings and estimates can include confidence scores based on factors such as source reliability, recency, available information, and agreement across sources.
Support more informed classification decisions
Appulate can compare submitted classifications with business descriptions, products and services, source documents, public records, and outside data.
Relevant NAICS, SIC, Workers Compensation, ISO, carrier-specific, and proprietary classifications can be suggested to help underwriters identify potential misclassifications or business activities that may require further review.
Bring the risk together
Loss history, operations, classifications, payroll, and other submission information can be reviewed together, giving underwriters a more complete view of the insured and making it easier to identify patterns or inconsistencies.
Intelligence that supports underwriting judgment
Appulate organizes and enriches information so underwriters can focus on evaluating the risk rather than gathering and comparing data.