underwriting-workbench
Solution

The underwriting workbench

In an era of intensifying competition and evolving risk profiles, a strong underwriting capability is vital to every insurer’s success. The ability to redesign workflows and seamlessly leverage data from multiple sources for accurate risk assessment and fair pricing is a key differentiator for achieving sustainable, profitable growth.

This underscores the need for a purpose-built, AI-enabled underwriting workbench solution that shifts the underwriter’s focus from administrative tasks to higher-value activities like risk evaluation, pricing, and broker engagement.

The Underwriting Workbench is designed to address the future needs of underwriting functions across geographies, lines of business, and core platforms. It’s an innovative solution that simplifies underwriting journeys through AI, and delivers actionable insights powered by enriched risk data from multiple internal and external sources. Its enhanced risk intelligence capability enables granular portfolio decisions, assessment of Natural Catastrophe (NatCat) event impacts, proactive loss control, and continuous loss monitoring.

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      Key capabilities of the underwriting workbench:

      • A single, coherent user experience encompassing the full scope of the underwriter role.
      • Risk evaluation through authority-controlled pricing, manuscription, and acceptance actions.
      • Embedding AI and automation to reduce mundane tasks and maximize time on core activities and sales.
      • Integrated AI-led risk scoring for partners and hyperscalers, including appetite matching, risk signals, and narratives.
      • Enhanced location risk intelligence by integrating traditional and non-traditional data.
      • Useful insights provided at the right point in the workflow.
      • Easier book management, supported by machine learning insights.
      • Agile market response for eligibility, appetite, and guidelines.

      How we can help

      We understand the complex business structures and federated ownership models within insurance companies. With strong experience leading complex initiatives for many global insurers, Capgemini can be your partner in underwriting transformation, helping you:

      • Assess current state experience and gaps across admin, core, and sales.
      • Define the vision of target-state Underwriting Workbench capabilities.
      • Establish principles and initial vision for AI intervention.
      • Outline experience, operations, and execution strategies.
      • Explore operating models and architecture scenarios.

      • Calibrate and prioritize the target capability model.
      • Enable AI for the underwriter role.
      • Review with executive leadership.
      • Develop a high-level execution plan and requirements.
      • Define the target architecture.
      • Develop the business case.

      • Break down the capability model into epics and technical architecture.
      • Define the program roadmap with dependent initiatives.
      • Develop a funding plan for the client.
      • Engage technical and execution partners.
      • Organize kick-offs and walk-through sessions for the full team.

      We’ve also distilled our experience in underwriting transformation into a suite of accelerators like the capability model, externalization from modern core systems, AI-driven use cases, and bordereaux management. These accelerators help ensure stronger risk mitigation and faster realization of next-gen commercial insurance underwriting workbench capabilities.

      Underwriting is undergoing a once-in-a-generation transformation. Contact us, and let’s lead the change together.

      Transform your insurance business with Capgemini’s expertise

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      Research and insights

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      Unleashing growth: The evolving role of underwriters
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      The effect of deglobalization on insurance
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      Embracing the power of predictive analytics: Are your underwriters ready for change?
      Capgemini’s innovative solutions and deep industry expertise help insurers increase customer centricity and resilience across their organizations.
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      Evolving times, evolving solutions: Transforming insurance for the digital age
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      Mission possible: propelling rapid transformation at scale

      Client stories

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      Meet our experts

      Shane Cassidy

      Shane Cassidy

      Insurance Business Unit Leader
      Shane is the head of Capgemini’s global Insurance Business Unit. Shane has been at the forefront of digital disruption and innovation for two decades, identifying and developing solutions to address the market evolution.
      Satish Weber

      Satish Weber

      Executive Vice President, Financial Services, Insurance Chief Sales Officer and FS Global Sustainability Lead
      With over 25 years of experience in technology and business consulting within the Financial Services Industry, Satish is currently responsible for Capgemini’s capabilities to help clients set, achieve, and measure their ESG objectives and commitments to remain competitive and profitable in our ever-changing world.
      Kiran-Boosam

      Kiran Boosam

      Global Portfolio Leader for Insurance
      Kiran leads Capgemini’s Global Insurance Portfolio. A seasoned expert in P&C and life insurance, Kiran evaluates industry trends, forecasts insurance CXO strategies, develops tailored innovative portfolios, and enables our clients to leverage the strengths of the Capgemini group, external ecosystems, and emerging technologies.
      andrew-hood

      Andrew Hood

      Executive Vice President, Global Insurance Practice Head, Capgemini Financial Services
      Andrew Hood is a seasoned leader in insurance technology transformation, focusing on digital transformation, cloud migration and modernization of insurance platforms. He previously served as a Global Guidewire Practice Leader, overseeing more than 100 Guidewire projects across multiple continents. His team has developed accelerators and frameworks to streamline implementations and upgrades. His focus emphasizes reducing implementation timelines by leveraging AI for smarter migration strategies.

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