How Insurigence works
Insurigence brings structure and clarity to one of the most uncertain parts of commercial insurance. Deciding where a risk belongs before submission.
The platform sits between intake and carrier quoting, helping agencies evaluate risk, determine market direction, and communicate decisions clearly.
Capture the right intake data
Insurigence starts with structured intake designed for underwriting relevance, not just application completion.
Instead of generic forms, the platform focuses on the operational, exposure, and classification details that actually influence carrier appetite and placement outcomes.
This ensures decisions are based on consistent, meaningful inputs across your team.
Evaluate risk characteristics
Once intake data is captured, Insurigence evaluates key risk signals such as:
- Operational complexity
- Industry classification alignment
- Exposure severity indicators
- Red flags that commonly trigger declinations
The goal is not to replace judgment. It is to surface insights early so teams know what they are dealing with before submissions begin.
Determine market direction
Based on the evaluated risk profile, Insurigence helps agencies understand whether a risk is more likely to align with standard or E&S markets.
This step helps teams avoid unrealistic submissions, reduce carrier fatigue, and set better expectations internally and with insureds.
Identify realistic carrier profiles
Rather than submitting blindly, Insurigence provides guidance on which types of carriers are more likely to consider the risk based on its characteristics.
This does not guarantee acceptance. It improves focus, efficiency, and consistency across placement decisions.
Support clearer proposals
Insurigence helps generate professional, easy-to-understand proposals that explain:
- Why certain markets were pursued
- Why others were not
- What coverage options are realistic
- How placement decisions were made
This improves transparency and trust with insureds.
Built to support licensed professionals
Insurigence does not quote pricing, bind coverage, or make final underwriting decisions. All recommendations are guidance only.
Final placement decisions always remain with licensed insurance professionals and carriers.