Now accepting early access partners

Insurance underwriting in milliseconds, not months

EncoverAI replaces legacy underwriting with real-time AI risk assessment and dynamic pricing. Every policy is fairer, faster, and more profitable.

<200ms

Decision Time

94%

Accuracy Rate

3.2x

Loss Ratio Improvement

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Risk Assessment Engine

Live

Composite Risk Score 0

12,847

Policies/hr

$2.1M

Premium/day

0.3%

Error Rate

Commercial Property $4,280/yr Low

Auto Fleet (24 vehicles) $18,600/yr Med

Cyber Liability $7,450/yr Low

Workers' Comp $12,100/yr High

Process

Four steps. Zero friction.

From application to bound policy in under a second. No human bottlenecks, no outdated actuarial tables.

Ingest Data

Connect any data source — applications, IoT sensors, satellite imagery, financial records. Our connectors normalize everything automatically.

Assess Risk

200+ ML models analyze risk factors in parallel. Cross-reference historical claims, real-time market conditions, and predictive indicators.

Price Dynamically

Generate optimal premiums that balance profitability with competitiveness. Pricing updates continuously as conditions change.

Bind & Monitor

Issue policies instantly. Continuous monitoring detects risk changes and adjusts coverage in real time. Automated claims triage.

Capabilities

Built for the future of insurance

Every feature designed to eliminate manual underwriting, reduce loss ratios, and deliver instant, fair coverage.

Real-Time Decisioning

Sub-200ms underwriting decisions powered by ensemble ML models. No queues, no delays, no human bottleneck.

Dynamic Pricing Engine

Premiums adjust continuously based on live risk signals — weather, market shifts, IoT telemetry, and behavioral data.

Bias-Free Assessment

Algorithmic fairness auditing ensures pricing is based purely on risk factors. Regulatory compliance built in.

Multi-Line Coverage

Property, casualty, auto, cyber, workers' comp, professional liability — one platform handles every line of business.

Fraud Detection

Pattern recognition across millions of claims identifies suspicious activity before policies are issued, not after losses.

API-First Architecture

RESTful APIs integrate with any PAS, CRM, or distribution platform. Embed underwriting intelligence anywhere.

Comparison

Legacy vs. intelligence

See how EncoverAI compares to traditional underwriting and competitors.

Capability	EncoverAI	Lemonade	Root	Traditional
Decision Speed	<200ms	~3 min	~10 min	2-6 weeks
Multi-Line Support	✓	Limited	✗	✓
Dynamic Pricing	Real-time	Partial	✓	✗
Bias Auditing	Built-in	✗	✗	✗
IoT Integration	Native	✗	Telematics	✗
API-First	✓	Limited	Limited	✗
Fraud Detection	Pre-bind	Post-claim	✗	Post-claim

Pricing

Scale with confidence

Transparent pricing that grows with your book of business. No hidden fees, no lock-in.

Starter

$0/mo

For MGAs and startups testing AI underwriting

Up to 500 assessments/month
Single line of business
Standard risk models
API access
Community support