Propose
The owner proposes a rule change, with the case behind it.
Insurance · Property risk assessment
From underwriting workflow to operational understanding.
Property information and the insurer's underwriting rules come together in the advisor workflow. Authorised owners can investigate unexpected referrals and propose rule improvements for review.
Book a demoThe challenge
Property risk draws on many sources. Every decision still has to be explained.
Advisors gather information from the customer and from external sources, check it against the insurer's underwriting guidelines and pass the harder cases to an underwriter. When that information sits in different places, an assessment takes effort to prepare and is hard to explain afterwards.
Information in many places
Building details, condition grades and the customer's answers come from different sources and have to be brought together for each property.
Outcomes that need reasons
When a case is referred or declined, the advisor, the underwriter and later a reviewer need to see which rules applied and why.
The advisor workflow. From intake to decision.
Each property is scored and explained against the insurer's own underwriting rules, and the right person makes the decision.
What the platform contributes
Context, rules and records. Working together on every case.
DVERSI brings the information behind each case together with the rules and workflow that govern it.
One record for each property.
Intake answers, external property data and earlier decisions sit together on the case, so nobody re-keys information.
Investigating an unexpected referral
An investigation agent lets authorised owners examine why a case came out as it did. Here is how one question is answered.
The question
A rule owner asks why a property was referred to an underwriter when the advisor expected an approval.
The evidence
The agent retrieves the intake answers, the property data and the rules that produced the outcome.
The explanation
It suggests which rule caused the referral and what to review next, with the evidence it used.
The check
The owner checks the explanation against the source data before deciding whether anything should change.
From finding to improvement
A proposed rule change follows a controlled path. Nothing changes on its own.
Review
The change is reviewed and tested before it applies.
Release
Approved changes apply with a new rule version on record.
Running at a Nordic property insurer.
Property risk assessment is the first DVERSI solution in production. Next, the same approach extends to case triage, renewal review and underwriting decision support.
We can walk you through it on a demo case.
Book a demo