Coforge partnered with a global U.S.-based specialty insurer in the excess & surplus (E&S) market to modernize its underwriting operations. The insurer faced increasing submission volumes and complexity, driven by document-heavy broker interactions and manual processing.
By implementing an AI-driven underwriting and submission orchestration platform, Coforge enabled a cognitive underwriting workbench integrated into underwriters’ daily tools. The solution automated submission intake, improved prioritization, and enhanced risk insights, empowering underwriters to focus on decision-making while improving speed, productivity, and underwriting quality.
Transformation Timeline
AI model development and cognitive workbench integration
Drag
The Challenge
Underwriting teams were burdened by high volumes of complex submissions, often consisting of thousands of documents received through emails, spreadsheets, and attachments. Manual data entry and document interpretation consumed significant time, limiting the ability to focus on risk evaluation.
The lack of automation and prioritization mechanisms slowed response times to broker submissions, impacting competitiveness in fast-moving E&S markets. Additionally, underwriters had limited visibility into key risk indicators during the submission process, reducing efficiency and decision accuracy.
The insurer required an intelligent, scalable solution to streamline submission processing, enhance risk analysis, and improve underwriting productivity while maintaining control and discipline.
Our Approach
AI-Powered Submission Intake
Developed AI models to ingest and interpret complex broker submissions, including MRCs, loss runs, exposure data, and unstructured documents, eliminating manual data entry.
Cognitive Underwriting Workbench
Integrated AI capabilities into Outlook and Office 365, enabling underwriters to interact with intelligent insights directly within their daily workflow.
Context-Aware Submission Triage
Implemented AI-driven prioritization to assess submission completeness, identify missing information, and rank opportunities based on underwriting appetite and likelihood of bind.
Embedded Risk Intelligence
Enabled real-time risk analysis by surfacing macro and micro risk indicators within underwriting workflows, supporting informed decision-making.
End-to-End Workflow Orchestration
Automated submission interpretation, enrichment, and routing, ensuring faster processing while maintaining underwriting discipline and governance.
Partner / Technology Ecosystem
- AI/ML & Cognitive Automation Platforms
- Microsoft Outlook & Office 365 Integration
- Document Processing & Data Extraction Tools

Impact to Date
+70%
+60%
-10%
+5%
Business Impact
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Reduced manual effort through automation of document-heavy submission processing
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Improved broker responsiveness with faster turnaround times
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Enhanced underwriting quality through better risk selection and insights
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Increased revenue by focusing on high-quality submissions
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Enabled scalable, AI-driven underwriting operations for growing business volumes
Coforge enabled a shift from manual, document-heavy underwriting to an intelligent, AI-driven submission ecosystem. By embedding automation and real-time risk insights into underwriters’ daily workflows, the insurer now operates with higher productivity, faster decision-making, and improved risk selection, positioning it to compete more effectively in high-volume, fast-moving E&S markets while driving sustainable growth.
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