Connected Underwriting P&C Overview

Introduction

The underwriting process in Property & Casualty insurance is critical to your organization's success, but traditional systems often create bottlenecks that slow quote generation and impact customer satisfaction. Commercial solutions can be complex to implement and may require you to completely overhaul your existing processes.

Appian Connected Underwriting Property and Casualty (CU P&C) empowers insurers to accelerate the underwriting process and improve customer experience through a single, integrated platform that consolidates disparate data sources and reduces the time needed to gather critical information for accurate quotes.

What if you could accelerate your underwriting workflow while maintaining rigorous risk assessment standards in an intuitive, integrated platform?

The CU P&C solution, built on the Appian platform, transforms insurance underwriting by providing intelligent automation, seamless data integration, and collaborative workflows. It enables your underwriting teams to process submissions faster, make better-informed decisions, and deliver competitive quotes while maintaining compliance and risk standards. Best of all, CU P&C delivers measurable improvements in quote turnaround time and underwriter productivity in weeks, not months.

This page provides an overview of how Appian CU P&C can help insurance organizations improve their time to quote.

What does Connected Underwriting P&C provide?

Connected Underwriting (CU) P&C helps your underwriting teams collaborate and process submissions faster. In addition to existing lines of business, the solution now supports Management Liability for private companies and not-for-profit organizations. This includes support for Directors & Officers (D&O) and Employment Practices Liability (EPL) coverages.

The solution also provides renewal management capabilities that allow underwriters to proactively manage expiring policies, and a dedicated quoting workflow to create and manage quotes directly within submissions.

This guide uses real-world scenarios to show how these features improve underwriting workflows for the following roles:

Sarah Martinez - Senior Underwriter Sarah is responsible for evaluating insurance submissions, assessing risk factors, and making underwriting decisions within her authority limits. Her daily workflow includes reviewing broker submissions, analyzing property details and coverage requirements, performing risk assessments, and coordinating with management on complex cases that exceed her approval authority.

David Chen - Underwriting Manager David oversees the underwriting team's operations, ensuring proper risk assessment standards, regulatory compliance, and efficient workload distribution. He reviews high-value submissions that exceed individual underwriter authority limits, manages team performance, and maintains oversight of the underwriting process to ensure quality and consistency across all decisions.

Rebecca Foster - Underwriter Assistant Rebecca supports the underwriting team by handling specialized tasks and complex submissions that require additional review. She assists with high-value submissions, provides technical support to underwriters, and helps process referral cases requiring detailed analysis.

Michael Thompson - Insurance Broker Michael is an insurance broker who submits property and casualty insurance applications to Pinnacle Insurance on behalf of his clients. He communicates regularly with underwriters to provide additional information, answer questions about submissions, and track the status of quotes. Michael uses the authenticated broker portal to monitor submission progress and upload supplementary documents when requested by underwriters.

Real-world success story: Transforming commercial property underwriting

Let's follow Sarah Martinez through a typical Monday morning that demonstrates CU P&C's transformative impact. Her shared inbox contains 15 new submission emails from brokers, each requiring immediate attention to meet competitive quote deadlines. Meanwhile, David Chen must ensure proper risk assessment, regulatory compliance, and balanced workload distribution across his team of eight underwriters.

Traditionally, Sarah would spend her first two hours manually:

• Opening each broker email and extracting key information.
• Creating submission records in multiple systems.
• Performing sanctions checks on parties.
• Determining submission priority and routing.
• Coordinating with David on complex submissions requiring senior review.

The CU P&C transformation

Overnight Processing: (Automate data ingestion and processing) While Sarah sleeps, CU P&C AI-powered email processing automatically ingests all 15 broker emails from the shared inbox. The system uses Appian AI Skills to extract critical data from attachments including:

• Property details from ACORD applications.
• Coverage limits from broker cover letters.
• Loss history from claims summaries.
• Risk information from inspection reports.

Each email becomes a structured submission record with all relevant documents automatically classified and organized.

Sarah's workbench review (Optimize workload management and prioritization) Sarah opens her CU P&C workbench and immediately sees her personalized dashboard displaying:

• Newly Received Submissions: 6 submissions assigned to her in the past 24 hours.
• Older Submissions: 12 submissions requiring follow-up.
• Average Cycle Time: 2.1 days (down from 4.5 days last quarter).

The submissions list is automatically sorted by priority scores based on David's configured business rules:

1. High Priority: $5M manufacturing facility (complex risk, tight deadline).
2. Medium Priority: $2M warehouse (standard risk, normal timeline).
3. Low Priority: Office building renewal (routine processing).

Risk assessment begins (Accelerate risk assessment and compliance) Sarah clicks on the manufacturing facility submission and finds:

• AI Message Summary: "Broker emphasizes urgent timeline for policy effective date. Property includes specialized equipment with high replacement costs. Previous carrier non-renewed due to claims frequency."
• Sanctions Results: Automated OFAC check completed - no matches found.
• Duplicate Detection: System flagged potential duplicate from 6 months ago (different broker, same property address).

Automated routing in action (Optimize workload management and prioritization) David's pre-configured automated routing rules identify the manufacturing facility as exceeding Sarah's authority limit ($3M). The system automatically:

• Creates a referral task for underwriter assistant Rebecca Foster.
• Sends David an alert about the high-value submission.
• Maintains Sarah as the primary assignee for coordination.

Renewal management (Manage policy renewals) Sarah notices three policies approaching expiration in her workbench renewal overview. She selects the highest-priority policy, a $2M warehouse with a renewal date in two weeks. With one click, she initiates the renewal, and the system creates a new submission pre-filled with all existing policy data. Sarah navigates to the Risk Details tab, enters updated loss run data, and uses the risk data comparison view to identify changes from the prior term. The comparison reveals a 15% increase in claims frequency, which she factors into her renewal pricing.

Quote generation (Generate and manage quotes) With the risk assessment complete, Sarah navigates to the Quote tab for the warehouse submission. She creates a quote with the appropriate inception and expiration dates, then adds a quote option with D&O and EPL coverages. In the Rating Worksheet, she enters premium values and the system confirms her suggested premium falls within the acceptable range. She updates the quote option status from Draft to Ready for David's review.

Guidewire integration (Automate data ingestion and processing) For the warehouse submission, Sarah reviews the extracted data and initiates quote generation. The Guidewire integration automatically:

• Checks against existing customers in PolicyCenter.
• Creates a new customer record for the prospect.
• Transfers all submission data to Guidewire.
• Initiates job creation for quote development.

Collaborative review (Accelerate risk assessment and compliance) Rebecca reviews the manufacturing facility submission using the referral task module. She accesses:

• Complete risk details organized by line of business.
• Loss history with detailed claims information.
• All submission documents with AI-extracted key data points.
• Sanctions results and compliance verification.

Rebecca approves the submission with specific underwriting conditions, which automatically updates Sarah's task list.

Broker communication (Optimize workload management and prioritization) Broker Michael Thompson calls requesting an update on the warehouse submission. Sarah uses the authenticated broker portal integration to provide real-time status updates, showing the submission is "In Review - Quote Development" with an expected completion timeline.

Decision and quote delivery (Automate data ingestion and processing) With Guidewire quote completed and all risk factors assessed, Sarah approves the warehouse submission. The system automatically:

• Updates submission status to "Quoted".
• Sends professional email notification to the broker with quote details.
• Creates follow-up tasks for policy issuance if accepted.
• Updates workload metrics for team performance tracking.

The measurable results

Individual Impact:

• Sarah processed 12 submissions (vs. previous average of 6).
• Average quote turnaround reduced from 3 days to 8 hours.
• 75% reduction in manual data entry time.
• 90% improvement in sanctions compliance verification speed.
• Renewal processing reduced from 2 hours to 15 minutes per policy.
• Quote creation completed within the submission workflow without switching systems.

Team Impact:

• David's team workload automatically balanced across 8 underwriters.
• 60% reduction in submission routing errors.
• 40% improvement in high-value submission identification.
• Real-time visibility into team performance metrics.
• Proactive renewal tracking prevents policy lapses.

Organizational Impact:

• 50% faster quote delivery to brokers.
• 25% increase in submission processing capacity.
• Enhanced regulatory compliance with automated OFAC screening.
• Improved broker satisfaction through transparent communication.
• Reduced policy lapse rate through proactive renewal management.
• Faster quote turnaround with integrated quoting workflow.

This transformation showcases how CU P&C's integrated capabilities eliminate manual bottlenecks, ensure compliance, and enable underwriters to focus on strategic risk assessment rather than administrative tasks—delivering measurable business value from day one.

Extending CU P&C with specialized modules

CU P&C's specialized add-on modules seamlessly integrate with core workflows to provide enhanced capabilities. Here's how each module contributed to Sarah and David's success:

Add-on Module	How It Enhanced Sarah & David's Workflow	Extended Capabilities
Authenticated Broker Portal Module	Michael Thompson logs into the secure portal to check his warehouse submission status and upload additional property photos.	Enables brokers with registered accounts to create new submissions and manage existing ones.
Automated Routing Module	David's pre-configured rules automatically route the $5M manufacturing facility to Rebecca based on authority limits and complexity.	Allows administrators to define rules for automatically assigning and routing submissions.
Guidewire Quoting Module	Sarah seamlessly transfers warehouse submission data to Guidewire PolicyCenter, which eliminates manual re-entry and accelerates quote generation.	Passes submission data to Guidewire for multi-line business quote generation.
OpenAI Module	Sarah uses AI to summarize a lengthy email thread about the manufacturing facility's specialized equipment and risk factors.	Summarizes message threads using OpenAI capabilities.
Referral Task Module	David creates a referral task for Rebecca to review the manufacturing facility while maintaining clear audit trail and approval workflow.	Enables referral task creation for peer or manager review.
Submission Record AI Chat	Sarah quickly queries the AI for specific coverage requirements for the warehouse's specialized inventory storage.	Provides AI chatbot interaction for submission-specific questions.
Renewal Management	Sarah's workbench displays policies approaching expiration. With one click, she renews the warehouse policy, creating a pre-filled submission with side-by-side risk data comparison.	Enables underwriters to view, manage, and renew expiring policies with pre-filled submissions and risk data comparison.
Quote Management	Sarah creates quotes with D&O and EPL coverages directly within the submission, configures premium values in the Rating Worksheet, and tracks quote option statuses through the underwriting workflow.	Provides a dedicated quoting workflow within submissions for creating quotes, configuring quote options, and managing the quote lifecycle.

Get started

Ready to transform your underwriting operations? See the topic browser on the left to explore all Connected Underwriting P&C documentation, starting with Install the Solution.

If you want a comprehensive solution overview, see Using Connected Underwriting P&C, starting with the Workbench Overview.

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