P&C Underwriting Quote-to-Bind on AWS — 10 Weeks NAIC-Aligned

Modernize P&C underwriting from submission to bind on AWS — in 10 weeks, with state-bulletin-ready governance from day one.

Kriv AI's 10-week deployment stands up Textract, Bedrock (with Guardrails), SageMaker, Redshift, Lake Formation, CloudTrail, and S3 as a cohesive quote-to-bind platform inside your AWS account. We deploy, validate, and hand over operations with a documented runbook, a model inventory, an underwriter-in-the-loop workflow, and a governance evidence pack aligned to the NAIC Model Bulletin on the Use of Artificial Intelligence Systems by Insurers and the growing list of state-adopted variants (Colorado, New York, Connecticut, New Jersey, and others).

Why carriers, MGAs, and wholesale brokers engage Kriv AI

Commercial Lines underwriting is modernizing fast. Submission intake is drowning underwriters in email-attached ACORD forms, loss runs, SOVs, and broker memos. Hit ratios are falling as response time slips past 72 hours. Meanwhile, the NAIC Model Bulletin on AI (Dec 2023) has been adopted in full or with amendments by a growing list of states, and Colorado Reg 10-1-1 has been setting the pace on governance, testing, and documentation obligations. CUOs are being asked to prove their AI is governed, tested, documented, and reviewable — while the business is being asked to quote faster and bind more.

What we deploy

Textract submission intake — automated extraction from ACORD 125/126/140/160, loss runs, SOVs, supplementals, broker memos; confidence scoring + exception routing Bedrock agents with Guardrails — submission triage, risk classification hints, appetite checks, missing-info callouts, underwriter-assist narratives (account summaries, referral memos, declination rationale). Every Bedrock output routes through licensed-underwriter review before binding, quoting, or customer-facing use — drafts are evidence, not decisions. SageMaker pipelines — triage, loss-cost signal scoring, hit-ratio / conversion propensity, fraud signal scoring; model registry + lineage + drift monitoring Redshift underwriting data warehouse — submission, account, policy, loss-history schemas; broker performance; rate-adequacy analytics (observation only; Kriv files no rates) Lake Formation row + column-level access for PII, broker confidentiality, state segmentation CloudTrail + S3 governance trail — immutable capture of model invocations, prompt/response pairs, underwriter overrides, decision rationale for NAIC + state-bulletin inspection readiness QuickSight dashboards — 5 views: Submission Funnel + SLA, Triage Outcomes + Override Rates, Hit Ratio + Conversion, Model Performance + Drift, AI Governance Evidence Governance artifacts — AI model inventory, intended-use statements, bias and fairness testing templates, adverse-action reasoning template, vendor AI policy stub aligned to NAIC Model Bulletin

10-week engagement. Weeks 1–2 Design (NDA, ACORD taxonomy, NAIC + state-bulletin map). Weeks 3–5 Build (Textract pipelines, Redshift schemas, SageMaker training, Bedrock with underwriter-review gating, governance trail). Weeks 6–7 Evals + governance (bias/fairness/stability templates, model cards, override-rate baselining, adverse-action review, state-bulletin walkthrough). Weeks 8–9 Cutover prep + shadow-mode pilot. Week 10 Cutover.

Three tiers. Starter $95K (1 LOB; ACORD 125/126 + loss runs; 2 SageMaker pipelines; 2 Bedrock agents; 1 dashboard; governance v1; shadow pilot) — small regional carriers, emerging MGAs, wholesale ($100M–$500M GWP). Professional $175K (2 LOBs; full ACORD suite + SOV + supplementals; 4 pipelines; 4 agents; 3 dashboards; broker portal feed; governance v2; ≤5-state matrix) — mid-sized carriers and MGAs ($500M–$2B GWP). Enterprise $275K (3 LOBs; full submission library; 6 pipelines; 5 agents; 5 dashboards; multi-tenant Lake Formation; reinsurance-ceded view; full governance pack; all-adopted-states matrix; 30-day hypercare) — large regional/national carriers, top-tier MGAs ($2B–$5B GWP). Optional Additional LOB $35K each.

Important disclosures. AWS infrastructure billed separately. Kriv AI is not a carrier, MGA, MGU, broker, or producer; holds no insurance license; does not bind, quote, file rates, issue actuarial opinions, or act as a fiduciary. All underwriting, binding, pricing, declination, cancellation, non-renewal, and adverse-action decisions remain with Customer's licensed underwriters under filed forms and rates. No state-bulletin certification exists. Bedrock outputs require licensed-underwriter review before any customer-facing use. Customer retains data, policies, filings, and operational responsibility post-handover. Not legal, regulatory, actuarial, or insurance advice. "Anthropic" and "Claude" are trademarks of Anthropic PBC; Anthropic does not endorse this specific solution.