Its rating engine ships already knowing Australian commercial risk — not an empty system waiting for your data. One platform consolidating intake, rating, binding, claims, renewals, compliance and finance. One source of truth.
100,034
Pre-enriched entities
18
Insurance classes
26%
Measured STP rate
<5 min
Email to decision
New to MGAs?
No insurance jargon — this is what actually happens inside underAIter.com, from a broker's email to a bound policy.
A Sydney cafe wants business cover. Their broker submits it through the portal — or just emails it in.
The engine checks appetite, occupation, hazards, financials and claims history — 21 dimensions, one score.
A clean cafe auto-quotes and binds straight through. A messy one lands on the underwriter's exception queue — humans only see the hard cases.
Policy schedule, certificate, tax invoice and broker commission are all generated the moment the policy binds.
Renewals are offered, claims are triaged and the monthly finance close runs in the background. You review exceptions — not queues.
The consolidation
Every tool an MGA currently uses. Gone.
Capabilities
21 weighted dimensions across 10,000 points. Claude generates risk narratives. Override rules enforce mandatory decisions.
Broker declarations are checked for internal consistency against the evidence provided. Differences are surfaced to the underwriter and noted on the record.
Email received to decision reply in minutes. A measured 26% of submissions decide straight through today — a figure we publish, not project — each with a full audit trail.
SME Commercial, Public Liability, Motor, Motor Trade, Landlords, Strata, PI, Farm, Construction, Trade Credit and Cyber — five fully calibrated, with further classes calibrating through 2027.
302,000+ pre-enriched AU and NZ businesses. Hazard profiles, financial indicators, claims history — scored before the broker submits.
15 regulatory modules. Immutable audit trail. AI transparency. Every decision explainable in plain English. Licensing obligations remain with the licensee.
The workflow
Four steps from submission to bound policy.
Broker submits a risk via portal or email. Entity auto-matched from 302K pre-enriched businesses.
AI scores across 21 dimensions in under 5 seconds. Claude writes the risk narrative.
Approved submissions bind instantly. Policy schedule and certificate generated automatically.
Claims, renewals, compliance, and finance — all from the same policy data. One platform.
Run the whole agency — intake to close — on one platform, one source of truth, inside underAIter.com.