The data layer
the market's been missing.
Cleaner submissions. Loss-run integrity. Verified buyer-side data. Agent matching that fits your actual appetite. Every party in the chain, finally on the same record.
Every party on the same record.
The market today runs on PDFs, spreadsheets, and forwarded emails. Three agents quote the same buyer three different ways. Loss runs get edited before they reach you. Submissions land with data the carrier can't verify until bind. The result is rework, declined business that should have been written, and written business that shouldn't have been.
$502 billion
Of US commercial P&C premium runs through this every year
Source · S&P Global 2024 · NAIC aggregate commercial direct premiums written
Exhibit A · Loss-run integrity
Loss runs are obtained directly from carriers. They are the source of truth. They are also the document most commonly altered before reaching the underwriter. Numbers changed. Claims removed. PDFs reassembled. With every party (agent, carrier, MGA, buyer) on the same record, the source of truth is structural, not adversarial.
Exhibit B · Submission mismatch
The same buyer presented three different ways by three different agents. Three power units or ten. Hauling cattle or general freight. Owner-operator or motor carrier. The carrier sees three submissions, prices three different risks, and declines two of them while writing the wrong one. The buyer enters their data once on the network. Every submission downstream reconciles back to that record. When an agent's submission diverges from the buyer's own record, the carrier sees the divergence before quoting.
A program directory that's never stale.
The first insurance market directory built for agent-to-program reconciliation and AI-to-AI updates. Programs today go stale on directory sites within months. Appetite changes, the agent doesn't know, the submission comes in dead. With every quote, bind, and decline flowing through the network, the directory updates itself. Agents flag inaccurate listings. Program managers update appetite once and every matched agent sees it instantly. As AMS systems add AI, the directory speaks to them directly: appetite changes propagate to every agent's AI on the network without an email blast.
Long-Haul Trucking · Tier 1 (5+ power units)
LIVEEngineering & Architecture E&O
LIVEAgent feedback · continuous updates · last 30 days on the network
- 127programs flagged stale by submitting agents
- 84appetite changes pushed to matched cohorts
- 31program managers updated criteria based on agent feedback
The directory stays alive because the network keeps it alive.
The data nobody's aggregated. Until now.
Buyer-side. Agent-side. Cross-correlation. The commercial insurance market has never had a structural view of its own customer base. The carriers and MGAs on the network do.
Buyer-side data
- Coverage history across carriers
- Premium spend by line, over time
- Claims frequency and severity (verified)
- Property and exposure data (verified)
- Coverage gaps and lapses
- Shopping behavior, frequency, triggers
- Renewal patterns and timing
- Cross-line ownership signals
Agent-side data
- Book composition by line and class
- Carrier mix and appointment depth
- Win and loss ratios by program
- Submission volume and quality scores
- Bind ratios by carrier
- Service patterns, response time, COI volume
- Specialty signals from buyer feedback
- Retention by carrier and class
Correlation data
- Buyer-agent fit scores (placement success by match)
- Class movement, where buyers are going
- Geographic appetite shifts
- Carrier-by-agent loss ratio patterns
- Program-by-agent retention patterns
- Bind-to-cancel patterns within 90 days
- Endorsement frequency by buyer profile
- Cross-line buying triggers
This is the first time any market has had this view
For your largest accounts, custom data pipes.
Most commercial carriers underwrite their largest accounts on stale data and annual surveys. The operational systems that actually run the customer's business sit on the customer's side of the firewall and never reach the carrier. We work with carriers, MGAs, and risk management departments to design custom integrations that connect those systems through Uncovered into the carrier's underwriting and loss control infrastructure.
Custom integrations
Each engagement starts with a specific account or program. We map the customer's operational data sources, telematics, fleet management, payroll, HR, safety logs, claims systems, against the carrier's underwriting and loss control workflows. We design and build the integration with the carrier's team. The customer's data flows into the carrier's view in a structured, governed way that the customer has consented to. The carrier sees the risk as it actually is, not as it was twelve months ago at the last renewal.
Loss control · in real time
Loss control teams have asked for this for fifteen years. Live signals from the customer's operations: HOS violations spiking, sprinkler systems going offline, safety logs showing repeat near-misses. With the integration in place, the loss control team can intervene before the claim. The risk management department gets ahead of the loss instead of writing a report after it. Customers save money. The carrier saves more. Fewer claims paid.
The connections every risk department wishes existed. Built one carrier at a time.
Three things the network makes possible.
Distribution
List once. Reach every agent whose book actually matches.
The old way is appointing 10,000 agents and hoping one of them places business that fits. The new way is one listing on the network, instantly matched to every agent whose book composition predicts a fit. Less appointment overhead. Less bad submission flow. More of the business you actually want.
Underwriting new appointments
Verify the agent before you appoint them.
Before you grant a new appointment, see the agent's actual book composition, win and loss ratios, retention patterns, and service quality scores on the network. Carriers appoint today on brand reputation, premium promises, and producer credentials, none of which predict whether the agent will deliver the book they pitched. The network shows you what they've actually done, with whom, and how well it held up.
Underwriting existing book
Reconciled data before it hits your desk.
Loss runs verified. Property data verified. Buyer-side data cross-checked against the buyer's own record. When the submission reaches your underwriter, the data has been through three layers of verification. Less rework. Faster turnaround. Better-priced risk.
List a program.
Find the right book.
We're onboarding select MGAs, wholesalers, carriers, and reinsurers for the launch network. The first markets on the network help shape what the data layer looks like.
Get in touch