Production-ready underwriting systems built on The Underwriter's Decision Stack.
COPEscore AI covers the three critical layers of the commercial underwriting decision — before you structure a slip or set a price.
Layers 3 & 4 — Coverage structuring and pricing follow. COPEscore AI hands you a complete risk picture before you structure a single term.
One submission in. A complete first-pass underwriting assessment out — structured, evidence-based, and ready to act on.
A complete risk narrative — hazard assessment, protection credit, and exposure analysis — mapped to your confirmed evidence and labelled by Decision Stack layer.
Geocoded coordinates on a clean professional map. One click to Google Street View for site-level visual inspection — without leaving the platform.
Contradictions and ambiguities flagged with specific reasoning — floor area discrepancies, sprinkler coverage conflicts, construction classification mismatches.
Every gap generates a specific, underwriting-quality question — prioritised HIGH / LOW, exportable as email or Lloyd's Query format. Copy and send.
Five quality dimensions scored independently: Precision, Currency, Consistency, Source Reliability, Critical Fields — with the reasoning behind every score.
Every absent field classified as Must Have, Should Have, or Nice to Have — with the specific underwriting consequence of each gap stated.
All extracted fields with verbatim source text, confidence level, and Confirmed / Derived / Not Found status. Every value traceable to your document.
"Your first coverage counsel on every policy."
Where COPEscore AI answers "is this submission complete enough to underwrite?", CoverageAI answers a different but adjacent question: "does this policy wording actually cover what it should, and what are the hidden landmines?"
CoverageAI reads policy wordings, MRC slips, and endorsements the way a senior underwriter or coverage counsel would — surfacing sensitive extensions, ambiguous clauses, missing sub-limits, CBI trigger adequacy, and the consistency between what was submitted and what was actually written into the policy.
Built for underwriters (Lloyd's, company market, MGAs), coverage counsel, claims handlers reviewing disputed wording, brokers checking their placements, and pricing actuaries stress-testing T&C assumptions. Complementary to COPEscore AI — together they cover the two biggest sources of underwriting error: incomplete information and inadequate policy language.