The file arrives ready-made. The underwriter decides
When handling a quotation, most of the time is spent on data collection, not analysis. The Assistant gathers the facts, applies the latest version of your guidelines and produces a clear file highlighting discrepancies and points requiring a decision. Underwriters can respond quicker to your distribution networks, whilst maintaining the technical rigor.
- Complements your workbench; does not replace it
- Tested on your past files
- ISO 27001 · SOC 2
- SME property damage — compliant with guidelines, proposed rate
- Warehouse in a flood-prone area — referred to the underwriter
- Undeclared timber business — outside the underwriting appetite, quotation blocked
Continuity in figures
€5 billion
in premiums under management
1.7 million
policies analysed
700
underwriters using the system
New rules rolled out across the entire network in just a few days
“The solution helps us gain a better understanding of risks, improve the reliability of our analysis and track the evolution of policies over time, using an approach that is simpler, more accurate and more secure for both our teams and our customers.”
Isabelle Sandré
Head of Professional Underwriting, MRP-MRI — AXA
Days
to roll out a rule, not months
1 screen
the existing workbench
0
extensive training
Respond quickly to your distribution networks, with all the necessary information to hand
At the peak of the renewal period, the time available per case is squeezed and missing information becomes an assumption. This is where discrepancies arise between assessed risk and assumed risk. Cases end up handled differently from one underwriter to another. On the contrary, a case that has already been assessed puts the whole team on the same page.
4 out of 5
proposals arrive incomplete or with an unclear line of business.
48 hours
the window to respond before the deal is taken elsewhere.
0.5–1%
of policies are submitted with a critical misclassification.
Source: Continuity analyses, over 50 client portfolios, over €4 billion in premiums.
“Continuity helps us monitor risks effectively. It helps us prioritise actions and ensure that our safeguards remain appropriate.”
José Schambacher — MACIF
What underwriters have asked us never to do
Present an assumption as a fact
Each item is accompanied by its source and date; the absence of data is displayed as such.
Block a decision
The underwriter can override this; the tool records the reason rather than closing the door.
Add one more tool
The assistant appears in the existing workbench via API. No new screens to master.
Let your underwriters put it to the test
A demo using your own files, with your own guidelines, in front of your team. They're the ones who'll tell us if it's useful.
Four steps.
The final call rests with the underwriter
Each submission is categorised on arrival: within risk appetite, to be assessed, outside scope, with the reason stated. At peak renewal times, this enables high-margin new business to be assessed rather than letting it slip through.
Actual business activity, sites and capital, claims history, external sources: everything is on a single page, with the source and date. Secondary sites, which are rarely visited, are analysed in the same way as the main site, even within a portfolio of several hundred addresses. If the assistant doesn't know something, it notes this: missing data remains displayed as such and is never assumed.
A rule amended by the technical department applies to the next case. Whether junior or senior, the same framework applies: decisions are standardised without uniformity of judgement.
The assistant proposes and explains. The underwriter makes the final decision and may deviate from the recommendation. The audit trail records the recommendation, the decision and the reason: a defensible case file, providing a detailed insight into the actual use of the guides.
The order of processing remains at the discretion of the underwriter.
€14.2 million in capital — sector ceiling €15 million.
NAF code confirmed by 2026 activity data.
3,200 m² on the roof, detected by imagery. The guide requires the underwriter's opinion.
Claims history prior to 2021 missing from the submitted file.
What remains for the underwriter
Disagreements between underwriters and the assistant are used to correct the rules, not the underwriters.