01

Executive Overview

Before building a Bionic Underwriting workbench, we must understand the complete data terrain — where it lives, what form it takes, who owns it, and how it flows.

80+
Systems of Record
150+
Data Entities Mapped
500+
Integration Points
25+
External Data Providers
60%
Unstructured Data
3-5×
Field Duplication
💡

The Core Challenge

Commercial underwriting data is fragmented by design — each line of business evolved its own systems, taxonomies, and processes. A Bionic Underwriting workbench must abstract this complexity without requiring a multi-year data transformation program. The strategy is to create a semantic layer that unifies access while respecting system-of-record boundaries.

02

System Architecture by Domain

80+ systems organized into 12 functional domains. Click any domain to explore the systems, their data responsibilities, and integration patterns.

Core Insurance
Policy, Claims, Billing & Reinsurance
Policy Admin, Claims Management, Billing Systems, Rating Engines, Reinsurance Administration
18 Systems
Finance & Accounting
GL, AP, AR, Treasury & Investments
General Ledger, Accounts Payable/Receivable, Treasury Management, Investment Accounting, Tax
12 Systems
Distribution
Underwriting, Quoting & Booking
UW Workbench, Quote System, Booking System, Submission Portal, Clearance Engine, Agent Portals
10 Systems
Actuarial
Reserving, Pricing & Capital
Reserving Systems, Pricing Models, Capital Modeling, CAT Models, Loss Ratio Analytics
8 Systems
Data Infrastructure
Warehouse, Lake, MDM & Integration
Data Warehouse, Data Lake, MDM, Data Quality, Data Catalog, ETL, API Gateway, Event Streaming
8 Systems
External Data
Property, CAT, Business & Loss History
Property Data (COPE, PPC), CAT Models, Business Credit, Loss History, Flood/Weather, Geospatial
12 Providers
Lloyd's Market
PPL, ECF, Settlement & Returns
Placing Platform, Electronic Claims File, Central Settlement, Writeback, Lloyd's Returns, Bordereaux
9 Systems
Enterprise
ERP, HR, Procurement & Compliance
ERP Core, HR/HCM, Procurement, Contract Management, GRC, Privacy Management
12 Systems
03

Reference Carrier Architectures

Two reference architectures representing typical technology stacks — a Top 10 US Mutual Carrier and a Leading London Market Insurer. Click to explore detailed system inventories.

Top US Mutual Carrier

North America · Midwest HQ · Top 10 P&C

Core Platform Modern Core Suite (Cloud)
Rating Engine Legacy (migration) + Modern Rating
Document Management Enterprise Content Platform
Data Warehouse Legacy EDW + Cloud Lakehouse
CRM Enterprise CRM Platform
ERP/Finance Tier 1 ERP (On-Prem/Cloud)

Leading London Market Insurer

UKI · London · Top 5 Commercial

Core Platform London Market Specialty Platform
Rating Engine Specialty Rating + Broker Integration
Document Management Enterprise Content + SharePoint
Data Warehouse Cloud Analytics Platform
CRM Financial Services CRM
Lloyd's Integration PPL, ECF, DA SATS, Writeback
⚠️

Critical Distinction: Quoting vs. Booking

A common architectural pattern separates the Quote System (generating proposals and indications) from the Booking System (registering bound policies and triggering premium accounting). These are often different applications with different data models — the Quote System is optimized for speed and flexibility, while the Booking System is optimized for auditability and GL integration. Data reconciliation between these systems is a common pain point.

04

Data Domains by Line of Business

150+ data entities organized by domain. Select a line of business to explore the specific data structures, systems, and quality challenges.

Commercial Property
General Liability
Commercial Auto
Workers' Comp
Professional Lines
Marine & Cargo
Cyber
Umbrella/Excess
🏢
Location & Property
25M+ records · 60% enriched
Address, Lat/Long, Building #, COPE data, TIV, Construction, Occupancy, Protection Class, Sprinkler details, Year built, Square footage
4
Systems
70%
Quality
View Details →
💰
Valuation & TIV
Critical for ITV adequacy
Replacement Cost, Actual Cash Value, Business Income values, Equipment values, Stock values, ITV ratio validation
3
Systems
85%
Quality
View Details →
🌀
CAT Exposure
Model-driven analytics
PML by peril, AAL, Return periods, Flood zones, Wind tiers, Earthquake zones, Wildfire scores, Climate risk indices
3
Models
82%
Quality
View Details →
📋
Coverage & Forms
ISO + Manuscript forms
Building coverage, BPP, Business Income, Extra Expense, Equipment Breakdown, Flood, Earthquake endorsements
2
Systems
92%
Quality
View Details →
⚙️
Operations & Exposures
Classification-driven
SIC/NAICS codes, Revenue, Payroll, Employee count, Square footage, Units, Products manufactured, Operations description
85%
Quality
View Details →
📦
Products/Completed Ops
Retroactive date critical
Product sales, Gross receipts, Work classification, Subcontractor exposure, Retroactive dates, Prior acts
78%
Quality
View Details →
🚛
Vehicle Fleet
VIN-level detail
VIN, Year/Make/Model, GVW, Radius, Use type, Cost new, Garaging location, Symbol, Safety equipment, Telematics
90%
Quality
View Details →
👤
Drivers & MVR
License validation required
Driver name, DOB, License #, State, Experience, Violations, Accidents, CDL status, Medical cert, Training
85%
Quality
View Details →
👷
Classification & Payroll
State-specific rules
Class codes, Payroll by class, State, Employees, Ownership %, Experience mod, Deductible, Monopolistic states
88%
Quality
View Details →
🦺
Safety & Loss Control
OSHA integration
OSHA 300 logs, DART rate, Safety programs, Inspection findings, Loss control recommendations, Training records
65%
Quality
View Details →
⚖️
Firm Profile
D&O, E&O, EPL
Firm size, Revenue, Assets, Employees, Practice areas, Client concentration, Prior claims, Disciplinary actions
80%
Quality
View Details →
🚢
Cargo & Transit
Lloyd's integration
Commodity types, Trade routes, Conveyance, Packing, Storage, Accumulation limits, War/SRCC exclusions
75%
Quality
View Details →
🔐
Security Posture
Rapidly evolving
Security controls, MFA status, Backup procedures, Incident response, PII records, PCI compliance, Vendor security
60%
Quality
View Details →
☂️
Underlying Coverage
Schedule verification
Underlying policies, Limits, Carriers, Retained limits, Schedule of underlying, Gap analysis, Self-insured retentions
82%
Quality
View Details →
05

Data Lineage: Quote to Cash

How data flows from initial submission through quote, bind, policy issuance, billing, claims, and financial reporting. Click any stage for detailed system mappings.

STAGE 1
Submission
Broker Portal
Submission Intake
OCR / Extraction
DMS
→
STAGE 2
Enrichment
Clearance Engine
Property Data APIs
CAT Models
Loss History
→
STAGE 3
Rating & Quote
UW Workbench
Rating Engine
Quote System
Proposal Gen
→
STAGE 4
Bind & Book
Booking System
Policy Admin
Document Gen
RI Cession
→
STAGE 5
Billing & Collection
Billing System
Commission Calc
Premium Acctg
GL Posting
→
STAGE 6
Claims
FNOL
Claims Mgmt
Reserving
Payments
06

Golden Source Registry

Authoritative system designation for critical data elements. Click any domain to see the golden source hierarchy and conflict resolution rules.

📄
Policy Data
100% confidence on bound
Policy Admin System is authoritative for all bound policy data. Quote System is source during quoting phase. Conflict resolution: Policy Admin wins post-bind.
👥
Customer Master
95% confidence with MDM
MDM is golden source when available. Fallback to Policy Admin. External validation via D&B for business data. Address standardization via USPS.
🏗️
Property/COPE
80% confidence — enrichment critical
External data providers are primary for COPE data. Policy Admin stores submitted values. Inspection reports override both. CAT models use enriched data.
⚠️
Claims & Reserves
100% confidence
Claims System is authoritative for all claim data. Reserving System is golden source for IBNR. Finance GL reconciles to Claims for paid losses.
💹
Financial Data
100% confidence post-close
General Ledger is authoritative after month-end close. Investment System reconciles to custodian. Statutory reporting derives from GL with adjustments.
🔄
Reinsurance
100% confidence
RI System is authoritative for treaty terms and cessions. Contract documents in DMS are legal source. Finance GL reconciles ceded premium and recoveries.
07

Data Quality Scorecard

Current state assessment across completeness, accuracy, timeliness, and consistency. Click any domain for detailed quality metrics and remediation priorities.

Policy Master
95%
Claims Header
96%
Financial/GL
99%
Customer/Insured
78%
Location/Property
70%
SOV Data
55%
Bordereaux
65%
Agent/Broker
85%
🚨

Critical Priority: SOV Data Quality

Statement of Values data quality at 55% is the single biggest blocker to AI-enabled underwriting. SOVs arrive in inconsistent formats (Excel, PDF, email), with incomplete COPE data, unstandardized addresses, and missing TIV breakdowns. AI extraction and validation is the highest-ROI investment for Bionic Underwriting.

08

Lloyd's Market Integration

The Lloyd's ecosystem presents unique data challenges with market-wide platforms, central settlement, and regulatory reporting requirements. Click to explore each component.

📋
PPL / Whitespace
Placing Platform
Market-wide placing platform for risk presentation, quoting, and binding. Generates UMR. Integrates with internal policy admin systems.
📁
ECF
Electronic Claims File
Market claims repository. UCR/SCM management. Loss advices. Integrates with internal claims systems for lead/follow processing.
💳
DA SATS / Writeback
Central Settlement
Central Services Refresh Programme. Premium and claims settlement. Bureau premium accounting. Signing number generation.
📊
Lloyd's Returns
Regulatory Reporting
QMA, SBF, Syndicate Business Forecast, Annual Returns, Capital requirements. Crystal reporting platform.
📑
Bordereaux
Delegated Authority
Coverholder premium and claims bordereaux. Data quality is a major challenge. Audit and compliance requirements. DA oversight.
🔗
ACORD Messaging
Market Standards
ACORD XML/JSON messaging for market data exchange. EBOT. Integration with broker systems. Market Reform Contract standards.
09

Data Ownership & Governance

Who owns each data domain, who can authorize changes, and how decisions are escalated. Click any domain for the full RACI matrix.

Underwriting & Policy Data
Business OwnerVP Underwriting
IT OwnerDir Policy Systems
Data StewardPolicy Data Steward
Change AuthoritySVP Underwriting
Claims Data
Business OwnerVP Claims
IT OwnerDir Claims Systems
Data StewardClaims Data Steward
Change AuthoritySVP Claims
Financial Data
Business OwnerController
IT OwnerDir Finance Systems
Data StewardFinance Data Steward
Change AuthorityCFO
Actuarial & Reserves
Business OwnerChief Actuary
IT OwnerDir Actuarial Systems
Data StewardActuarial Data Steward
Change AuthorityCFO