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The problem every Chief Underwriting Officer (CUO) faces isn't a shortage of AI tools. It's a shortage of AI they can trust and embed seamlessly within their workflow.

Generative models, agentic assistants, and large language models have proliferated across the insurance industry at an unprecedented pace. Nearly all of them share the same critical flaw: they’re built on general-purpose foundation models that were never trained on commercial insurance and have never seen a real submission, a real loss run, or a real underwriter's decision. They can produce fluent text about underwriting without understanding it. For a CUO responsible for combined ratios, regulatory defensibility, and the consistency of thousands of risk decisions per year, that gap is a material liability.

The Convr Risk Context Engine (RCE) is the answer to that problem and it’s the only answer of its kind.

What makes the RCE unique

Unveiled on June 9, 2026, the RCE is a commercial P&C knowledge graph and semantic ontology that encodes the language, structures, exposures, classifications, and decision logic of underwriting into a unified, machine-readable model, calibrated against a decade of real submissions, real exposures, and real underwriter feedback from leading carriers in production.

The practical implication of that architecture is profound. The RCE does not approximate what a painting contractor is; it knows the difference between a painting contractor and a roofing contractor at the classification level and it knows how that difference should affect appetite, coverage, and pricing. It understands that "general liability for a habitational account in coastal Florida" carries a specific set of exposure signals that have nothing in common with "general liability for a light manufacturing operation in the Midwest." Rather than just pattern recognition over text, the RCE is structured knowledge about commercial insurance, expressed as a machine-readable graph that every AI capability in the Convr workbench runs on top of.

Calibrated on a decade of production data and more than 2,500 integrated sources, the RCE powers every AI capability across the Convr AI Underwriting Workbench from intake to business classification, risk scoring, data enrichment, and workflows.

Why this matters operationally to the CUO

The CUO's mandate is to make good risk decisions, consistently, at scale, in ways the organization can defend and document exactly with reliability. The RCE advances all these dimensions simultaneously.

Consistency: One of the most persistent sources of combined ratio deterioration is inconsistent appetite application . . . underwriters in different territories or teams making materially different decisions on similar risks. The RCE delivers consistent, traceable, verifiable risk data, in-line, which means the same exposure in the same class code is evaluated against the same criteria every time, regardless of which underwriter opens the file or which office processes the submission. The CUO sets the appetite rules; the RCE enforces them uniformly.

Defensibility: Every classification, appetite call, and risk-score output traces back through the ontology to the source submission documents, loss data, and underwriter decisions that informed it. The regulatory direction is reinforcing the value of the RCE. When a regulator, reinsurer, or internal audit function asks why a particular account was accepted or declined, the answer is not a probability score from a black box. It is a documented chain of reasoning tied to real data. In a regulatory environment that is increasingly scrutinizing AI-driven decisioning, audit-ready outputs are not a nice-to-have. They are becoming a condition of doing business.

Scale: The RCE reduces submission-through-quote times by 70% and increases new business win rates. Carriers using the Convr AI Underwriting Workbench have documented an 8% combined ratio improvement on commercial auto lines, 20,000 submissions per month processed fully automatically on non-admitted lines, and 38% more quotes generated per underwriting assistant on financial lines, with quote generation time dropping from two hours to 20 minutes. These are not projections. They are outcomes from carriers already running the RCE in production.

The distinction that separates the RCE from everything else

As Convr Chief Executive Officer John Stammen stated at the RCE launch, "Everyone talks about models. The real question is what they're grounded in. Without a commercial P&C knowledge graph and ontology underneath them, generative and agentic AI are confident guessers. The RCE supplies the missing context . . . what a submission means, what an exposure is, what an underwriter decides . . . and turns outputs into decisions a carrier can defend."

That framing captures the CUO's core concern precisely. A CUO does not need AI that sounds right. They need AI that is right, and that can prove it. Convr unifies fragmented insurance data into a structured data model powered by ontology, schema, semantics, and a knowledge graph within the context engine . . . preserving risk relationships and enabling assistive AI to deliver decision-ready underwriting insights and trace those insights to any historical moment in time. The RCE is the infrastructure that transforms raw submission data, third-party enrichment, and historical loss experience into a single, coherent view of a risk, in real time, at the point of decision.

What this means for the CUO's book of business

For small commercial and BOP books, the RCE eliminates the premium leakage and adverse selection that accumulates when submissions are classified by hand. Business classification errors, misapplied territory codes, and underclassed risks . . . the chronic sources of ratio deterioration on high-volume books are caught at intake before they ever reach a rating engine.

For mid-market and multi-line accounts, the RCE compresses the enrichment cycle that consumes the most underwriter time. Rather than spending two to three days researching an account before rating, an underwriter opens the submission to find the business already classified, the exposure already verified, prior loss signals already surfaced, and appetite already scored against the carrier's own guidelines. The judgment call that makes underwriting valuable happens in minutes rather than days.

For large and complex accounts, the RCE provides the CUO with something that has historically been impossible to achieve at scale: a portfolio-level view of risk concentration, exposure accumulation, and appetite consistency across the entire book, updated continuously as new submissions are processed. The CUO who can see the book in real time, rather than waiting for a quarterly report is the CUO who can act on emerging trends before they become loss events.

The bottom line

The Convr Risk Context Engine is the foundational infrastructure that makes AI in commercial underwriting legitimate. It’s grounded in a decade of real production data, structured around the actual language and logic of commercial P&C insurance, and designed to produce outputs that underwriters, CUOs, and regulators can all defend. For the CUO who is already being asked by their board and their reinsurers how they are using AI, and who cannot afford the answer to be "we're experimenting," the RCE is the answer that closes the gap between AI's promise and underwriting's requirements.

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A huge portion of commercial property and casualty (P&C) insurance applicants barely exist online. Many small and mid-size commercial insureds (the bread and butter of commercial insurance underwriting) are nearly invisible online.

Think about it . . . landscapers, contractors, florists and more. The  food truck owners, small town auto mechanics and mom and pop shops . . . many don’t have:

• a website
• a strong social media presence
• consistent business filings
• complete insurance applications

Underwriting team members call this a low digital footprint risk and it’s a problem for them. When the submission comes in, they need to know if the business is real, if the owners do what they claim to do, and if the exposure is what the agent says it is.

But if the business has no digital presence, the underwriter is lost without their normal verification tools including website and online reviews, access to pertinent safety records and satellite exposure checks as well as prior filings.

That’s where Convr’s AI Underwriting Workbench shines. With our Biz Intel web search feature for low digital footprint companies, that hard to find information easily turns up for the underwriter within our underwriting platform. ‍

The Convr Underwriting Workbench’s Biz Intel can uncover:‍

1) Business Classification

2) Appetite relevant exposures

3) Number of employees

4) Revenue

It turns an unknown into a knowable risk, giving the underwriter the opportunity to decide whether or not to write the risk rather than to spend time investigating it further. It’s a shortcut for underwriting team members of all levels as they spend less time searching for the details that move the decision.‍

All in one place:‍

In the Convr AI Underwriting Workbench, every new submission with the web option enabled, runs Biz Intel and returns the results inline. The hard-to-find details land next to the submission you're working on, not three tabs away from it.‍

Why it matters:‍

Low-digital-footprint submissions take time that underwriters often can't justify spending. Enrichment surfaces the missing data automatically, so accounts that would have been deprioritized – or declined for lack of information – become writable.‍

Convr’s Biz Intel users get:

1) First-quote advantage: Brokers place business with the first to quote. If your underwriting team is out searching Google, the Secretary of State, checking maps and emailing questions – you could be missing out on deals. With Convr AI data enrichment, the data comes to the underwriter instead of the other way around – and the first quote is more often yours.‍

2) Reduced referral dependency: When reliable information on low digital footprint companies is available in the file, more submissions can be decided where they land. Junior underwriters escalate only the accounts that genuinely need a second set of eyes. Senior underwriters spend their time on the complex risks and judgment calls that actually require their experience – not on questions a richer file would have answered on its own. Across the team, consistency improves and cycle times tighten.‍

3) Greater portfolio profitability: This is the real return on investment. Commercial carriers rarely lose money on catastrophic risks. Instead, they lose money on thousands of slightly mispriced/misunderstood small and mid-size policies – and low-visibility insureds are exactly where this is most common.

Convr's AI Underwriting Workbench isn't a productivity system. It's a loss ratio control system. If thin-file submissions are costing your team time or premium, we should talk – visit us at convr.com today.

From Intake automation efficiency to data modeling for hidden insights, Convr is helping Managing General Agents (MGAs) turn fragmented submission documents into structured, enriched data – accelerating clearance, rating, and quote times to unleash profitable growth.

Everyone knows the best models win at taming documents!\nOur Intake module ingests and enriches data from both structured and unstructured documents including PDFs, Excel and emails across commercial property and casualty (P&C) insurance asset types, including ACORDs, Inspection Forms, SOVs, Loss Runs, Schedules, and more.

Powered by Convr AI and the Risk Context Engine – a purpose-built commercial insurance ontology, knowledge graph, and semantic layer that powers a multi-line schema – transforming fragmented submissions into structured, decision-ready intelligence. By grounding every document, application and data source into a consistent schema, Convr Intake ensures contextually complete, consistent, and reliable data from the start. The result is faster processing, fewer manual touchpoints, and improved risk clarity for accelerated MGA Growth.

Through Risk 360 – a commercial insurance data lake comprised of the digital footprints of millions of businesses – Convr standardizes addresses, performs geo-coding, enriches submissions with CAT modeling codes, and adds property intelligence data such as distance to coast and other hazard indicators. The enrichment delivers a holistic decision-ready view of risk prepared for underwriting, rating, and carrier reporting.

By eliminating re-keying and reducing back-and-forth data gathering, submissions are ready to quote in less than 10 minutes! This is how our MGA customers underwrite smarter and faster to unlock substantial written-premium growth without adding to headcount.

If you’re exploring ways to scale faster with AI, better data and meaningful operational efficiency, Convr welcomes the opportunity to share how leading MGAs are using Convr today.\nJust reach out to Convr today to see how we can help!

Convr®, took a leap toward delivering the next big advancement in artificial intelligence (AI) underwriting through the enhanced performance and usability improvements of its Data Catalog within its commercial insurance underwriting workbench in 2026. Convr’s Data Catalog makes it easier for underwriting team members to discover the thousands of data sources that are compiled in Convr’s Risk 360 data lake.\nThe leading artificial intelligence (AI) company serving commercial insurance organizations with its underwriting workbench implemented a new view for the company’s Data Catalog which aligns with its commitment to transform the commercial insurance underwriting industry and enables frictionless underwriting.\nWithin the model, users can easily glean insights from its extensive list of nearly 3,000 external data sources. Underwriters can also search across all Convr data sources, filter through the list by location, and view detailed information about each source with greater clarity. This new format allows users to quickly understand what data is available and how frequently it is refreshed.\nWhat it shows:The Data Catalog displays detailed information about each data source, including:

• Source name
• Data type
• Source update frequency
• Convr update frequency
• State
• Last updated date

The new table format makes it much faster and more intuitive for users to locate the data they need. The clickable links are up-to-date avenues that serve as a streamlined source to greater information and transparency into submission data. Our customers have much to gain from this new functionality.\nTogether, these advancements within the platform's user interface mark a pivotal moment, advancing the industry toward a more intelligent and trustworthy underwriting process built on accessible, high-quality data.

A commercial property and casualty P&C insurance carrier’s sustainability and long-term success is best determined not only by their approach to solving today’s problems, but how poised they are for adaptation and future growth.\nUnderwriting workbenches are a powerful and effective solution to solving some of today’s top underwriting issues, but how they align to an organization’s existing processes, technologies and long-term goals will ultimately determine their success and lasting power.\nFor underwriting teams and commercial insurance organizations as a whole, there are some not-so-subtle signals that your underwriters could be ready for an underwriting workbench now and for many years into the future.\nTake a look below to see how these four signs show up across the people, processes and technology within your organization:

1. Underwriting team members are forced to toggle between multiple systems to evaluate a single risk, losing valuable time that could be used working on other higher-value submissions
2. Critical data is manually rekeyed or copy-pasted across tools, rather than being automatically and consistently captured, losing efficiency and productivity
3. Documents such as PDFs, loss runs and emails, etc. are driving most underwriting decisions but are fragmented, manually processed files and hard to operationalize
4. Quote and bind turnaround times are inconsistent or slipping, resulting in missed opportunities and losing business for your organization

\nOur team has deep insurance experience—so we get it. It’s tough to get everyone on board to implement a new tool or end-to-end solution . . . but the number of companies that have realized quick wins with Convr’s off-the-shelf, AI underwriting capabilities is remarkable—so why wouldn’t you give us a go? \n \nIf you’ve done a simple search online, you’ve likely already discovered the Convr AI Underwriting Workbench, considered our capabilities and have some understanding of how our solutions can solve some of your team’s biggest problems. Powered by a commercial P&C insurance ontology, our workbench enriches and expedites submissions decisions – reducing submission through quote times by 70%, increasing new business win rates, and quickly identifies renewal material changes. \nWith Convr you can start with the module that addresses your biggest bottleneck today, then grow into Convr's broader workbench over time. As a refresher, here are some proven off the shelf solutions you might consider: \nIntake: Our Intake engine eliminates manual submission processing by digitally ingesting, preparing and analyzing underwriting documents. For every submission that flows through your business, we extract key data points and augment the information with third-party data to broaden and deepen the risk profile. By automating and digitizing the insurance application process, underwriting teams can quote faster, with more confidence, enhanced application data and deeper insights. \nRisk 360: Commercial insurance underwriting teams can streamline research and enhance applicant data by enriching submissions with the power of AI. Risk 360 is a vast data lake comprised of the digital footprint of millions of businesses—built with an underlying knowledge graph that unleashes detailed insights from the intersection of tens of thousands of data elements. \n \nConvr AI: Deep Learning Models, Agentic and Generative AI are assistive to users generating a risk summary from submission data and helping customers perform their workflow tasks with greater ease, improving productivity. \nConvr has the skill and enthusiasm to quickly roll-out your project and implement one of these programs today. These off-the-shelf options we presented above are standard implementations that can be up and running for your operation in as few as four weeks and are a great way to advance your team’s underwriting business goals. Just ask and we’ll give you a customer reference that recently got up and running in as few as 19 days!\nTo learn more about the many modules within Convr’s AI-powered underwriting workbench contact us today at convr.com. \n

Convr AI is delivering advancements in artificial intelligence (AI) underwriting with the enhancement of its Risk 360 AI data lake. Now the leading AI company serving commercial insurance organizations with its underwriting workbench is tapping more public data sources in the new year than ever before. \nIn 2026 Convr is enriching its Risk 360 AI data lake through the addition of:

• Federal Emergency Management Agency (FEMA) National Risk Index data

• National Bridges and Dams data

• Security and Exchange Commission (SEC) data

• Chambers of Commerce data

• Occupational Safety and Health Administration (OSHA) Severe Injuries data

“Tapping these additional data sources ensures Convr is ingesting, integrating, and digitizing the latest data sources that will inform underwriting teams' submissions so they can make better decisions, faster,” said John Stammen, Chief Executive Officer at Convr.\nThe additional data elements complete an already hefty lineup of public data sources relied on by Convr that include but are not limited to:

• Federal, state and local government records — e.g., licenses, permits, inspections, violations

• Business firmographics, property and geolocation data — e.g. public property records, address/parcel data

• Social media/business review sites/web-footprint — e.g., Yelp, web search results, business websites

• Nonprofit organization data — e.g. financials and other data from Internal Revenue Service, e.g., Form 990 filings for nonprofits/501(c)(3) entities

• Specialized hazard/exposure data — e.g. dams, bridges, property risk/COPE data via hazard-type data sets

Additionally, carriers can connect and integrate their own proprietary data into Convr’s Risk 360 AI data lake and underwriting workbench — so the organization’s internal data combines with Convr’s vast external data and AI models — we call that Bring Your Own Data (BYOD).\nWith BYOD, your current best data sources can be combined with Convr data and models in the Convr Underwriting Workbench. This is the way to supercharge your trusted sources and models in a single powerful environment that delivers a more comprehensive applicant view and greater risk selection confidence. We work with customers to include these enhanced data sets into submission prioritization rules, risks scores and answers.\nTogether, these advancements within Convr's data-driven workbench mark a pivotal moment in commercial insurance as we advance the industry from manual underwriting to technological innovation.

Convr AI®, the leading artificial intelligence (AI) company serving commercial P&C insurance organizations with its underwriting workbench worked hard to expand its data coverage over 2025 within its vast Risk 360 AI data lake.\nConvr expanded its Risk 360 AI data lake sources to include:

• 2,500+ data sources

• 70 million+ website sources

• 785 million+ data points

• 161 million entities

“Convr has extensive partnerships and pre-plumbed connections with insurance industry data providers that enable Convr to have such broad data coverage,” said John Stammen, Chief Executive Officer at Convr. \nRisk 360 AI is a data lake comprised of the digital footprint of hundreds of millions of data points — built on a commercial P&C ontology with semantics that defines, organizes and connects this vast digital footprint into a structured understanding of risk with an underlying knowledge graph that unleashes and surfaces detailed insights from the intersection of tens of thousands of data elements. Risk 360 AI is purposely designed and continuously updated for commercial P&C insurance to streamline research and enhance the most updated applicant data through the power of AI. \nThe knowledge graph architecture enables the linkage between many data elements such as digital footprint, public records, social media, financials, and more to build richer insights about firms/applicants with historical reference. This gives underwriting team members a “deeper applicant view” in less time — the idea being: better data, faster decisions.\nTogether, these advancements within Convr's data-driven workbench mark a pivotal moment in commercial insurance as we advance the industry from manual underwriting to technological innovation.

We asked and you answered! During this year’s InsureTech Connect Conference (ITC Vegas) in Las Vegas, Nevada, October 14-16, 2025, members of the Convr team took to the expo floor to ask folks in the commercial property and casualty (P&C) insurance industry if they were focused on improving underwriting workflows . . . and the answer . . . hands down was, “Yes!”\nWe heard five key benefits teams hope to achieve with an underwriting workbench: \n1. Efficiency and Speed \nTraditional underwriting involves manual data entry, slow document review, and fragmented systems. Improved workflows — often powered by automation and/or artificial intelligence (AI) — reduce turnaround time from days to hours or even minutes! This timesaving allows underwriters and underwriting team members to handle more submissions faster.\n2. Data Accuracy and Integration \nImproved workflows often involve connecting multiple data sources (loss runs, financials, third-party data) into a single view of the submission. At Convr, we know it like the back of our hand! Founded in 2016 for underwriters, by underwriters, our Risk 360 AI data lake has been reducing errors, ensuring consistency and enabling data-driven underwriting for nearly a decade.\nAnd our modularized underwriting workbench brings everything into a single pane — eliminating the need for comprehensive web searches or too many clicks outside of our underwriting workbench.\n3. Talent Retention \nUnderwriters want to do analytical, value-added work — not repetitive tasks. In fact, some of the underwriters we spoke with at ITC Vegas don’t even spend time on certain stages of a submission and leave that work to underwriting assistants to handle. But Convr’s streamlined workflows powered by AI can boost job satisfaction and help carriers attract and retain top underwriting talent — giving them inspiring work they can be proud of and want to actually do!\n4. Better Risk Selection \nWhen workflows are optimized, underwriting team members can spend less time on administrative tasks and more time analyzing high-value risks. This leads to better decision-making and improved loss ratios and combined ratios.

5. Profitability and Growth

Automation of repetitive tasks and streamlining the claims process directly impact profitability by minimizing claims leakage and improving overall operational efficiency. Through Risk 360 and enrichment of data, underwriters have a broadened understanding of the risk and are more informed to make important pricing decisions that lead to improvement in profitability.\nIn short — improved underwriting workflows translate to:

• faster decisions

• smarter risk selection

• happier underwriting teams

• healthier margins

If you’re curious about how Convr can help you improve on these points in your commercial P&C insurance underwriting operations just reach out to Convr today.

Convr is making it easier than ever for Commercial Property and Casualty (P&C) insurers that write small and micro businesses to do the work vital for completing their submissions and getting the deals they deserve. These smaller business segments have often been harder to insure due to a low or no digital footprint. Or in other instances, they could simply be a new business with limited or no history. Much of the time not a whole lot is known about these companies in the broader business world and sometimes these small and micro businesses only have a Facebook page.\nSome commercial P&C insurance underwriting platforms may promise to expose data on submissions for small and micro businesses through third-party data sources, however they frequently end up falling flat. That is because we at Convr know how challenging it can be to turn up tough to find results on companies that fall under the radar by not building and maintaining traditional websites, having certain licenses, or owning a significant digital presence. They are a needle in a haystack details that an underwriting team needs to ensure a submission is thorough and complete.\nBut through a new feature within the Convr Underwriting Workbench, customers can now get results on small and micro businesses they might not otherwise be able to locate. This is through the new advanced submission web search capabilities only available in the Convr user interface (UI). We scrape the web and find those tough to locate details from social media sites such as Facebook, Angi, Instagram, LinkedIn and Yelp listings and search engines including Brave and Google. \nThe results?Convr AI adds new deep insights – beyond Answers AI, keywords and data cards – to help underwriters glean insights into company activities even when there is a limited digital footprint. News and social media activity is extracted to surface additional company details to help underwriters more quickly identify and/or confirm the business and its risk profile from sources not otherwise found through traditional search methods. \nAnd they can take the information discovered and use it to create submissions for these hard-to-find companies. That means Convr is helping customers get the information they need to be able to build a submission and write the business. And it happens quickly, underwriting teams are no longer digging and digging to turn up empty handed.\nHow we do it:It is through our API-first capabilities that enable the same features and functions as our Risk 360 data lake. It is not much different than creating a Risk 360-based submission where a company name and address is searched. However, these are companies not previously found in the Convr Underwriting Workbench that will now be available with this new advanced search feature. \nThe data that comes back is similar to that of Risk 360 and can include NAICS codes, addresses, hours of operation, plus firmographic details such as photos posted online. How is that for finding needles in a haystack for customers!?! Additionally a list of links is returned similar to what you would see from Google and Brave.com, so we point a user to whatever exists on the internet for further review.\nPrior to this enhancement, searches would have returned little to no useful P&C insurance data due to the size of the company searched and their lack of a traditional digital footprint.\nWhat Convr has done is a remarkable win for companies that write small and micro businesses. It is truly amazing that a small blurb can lead you to the right insights to guide underwriting team members toward a decision about whether or not they want to write a submission and how they would provide coverage.\nTo learn more about Convr and our underwriting capabilities for small and micro business, visit our Contact Us page to schedule a demo.