RiskSignal
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Cyber Underwriting Intelligence

Know what changed.
Submit with confidence.

RiskSignal is a continuously learning intelligence layer for cyber brokers — turning carrier updates, underwriting guides, and real placement outcomes into actionable submission-time guidance.

risksignal / appetite-check
Risk SaaS · $18M Rev · $5M Limits
Carrier A ● Proceed
Carrier B ● Caution — MFA tightened
Carrier C ● Avoid — SaaS excluded ≥$3M
Submission Readiness 82 / 100
Gap: Immutable backups not confirmed — flag for limits >$3M

Cyber underwriting changes constantly.
Broker workflows haven't.

Carrier appetite shifts weekly. Control requirements tighten without warning. Updates live in emails, PDFs, portals, and memory — making it impossible to know what underwriters will accept today.

Wasted submissions

Risks sent to carriers who quietly tightened appetite weeks ago. Time lost. Relationships strained.

Burned UW relationships

Repeated mismatched submissions erode carrier trust and reduce future responsiveness.

Renewal surprises

Appetite shifts surface at renewal, not before — leaving brokers scrambling with no time to remarket.

Tribal knowledge

Critical underwriting intel lives in one producer's head. When they leave, the knowledge walks out the door.

Underwriting intelligence,
not another system of record.

RiskSignal sits above your AMS and CRM. We don't replace existing tools — we capture the underwriting signal that normally lives in inboxes and memory.

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Guideline Change Detection

Automatically tracks cyber underwriting guide updates and carrier communications. Surfaces only what materially changed — new requirements, tightened thresholds, or relaxed controls.

Carrier Appetite Matching

Maps a cyber risk profile to a ranked carrier short-list based on stated guidelines and observed market behavior. Includes rationale and confidence scoring.

Submission Readiness Scoring

Flags missing controls (MFA, EDR, backups), unrealistic limits, and documentation gaps — before the submission goes out.

Market-Reality Calibration

Learns from outcomes — declines, quotes, binds, and UW feedback — to distinguish written rules from how underwriting actually behaves in practice.

Broker-Ready Explanations

Plain-English guidance producers can use in client conversations: what changed, why it matters, and what to do next.

Practice-Group Intelligence

A shared view of carrier moves, control thresholds, and placement patterns — so senior broker knowledge becomes scalable and teachable.

Designed to fit your existing workflow.

No rip-and-replace. Start with the carrier guides and updates you already have.

01 — INGEST

Ingest signals

Carrier underwriting guides, appetite updates, broker-authorized communications, and your own placement outcomes.

02 — DETECT

Detect what changed

Version and diff underwriting content to surface material shifts — new requirements, tightened thresholds, exclusion changes.

03 — ACT

Recommend action

Rank carriers, score readiness, and explain the "why" so producers can act confidently before submitting.

A broker-first intelligence platform.

Mission

Help cyber brokers place risks faster and more reliably by turning underwriting changes and market signals into clear, actionable guidance — right when it matters: before the submission goes out.

Vision

Become the trusted underwriting intelligence layer that sits above the system of record — capturing market reality and improving broker outcomes across carriers, industries, and lines of business.

Built to earn broker trust.

We improve placement outcomes without exposing your relationships or your playbook.

Broker-first product design

RiskSignal is designed for broker workflows. We don't sell broker data into carrier distribution. Your data strengthens your practice — not someone else's.

Data minimization

Start with public guides and updates. Outcome learning is optional and scoped to your practice group during pilot. You control what flows in.

Anyone can read underwriting guides.

RiskSignal learns how they actually behave in the market.

Talk to Us

The questions brokers ask first.

Isn't this easy for competitors to copy?
The document diff is table stakes. The defensibility comes from outcome calibration — learning the gap between written guidelines and real market behavior (declines, UW feedback, quote patterns). That data is broker-owned and compounds over time. Anyone can read the guide. We learn how it actually behaves.
Does this replace our AMS?
No. RiskSignal is an intelligence layer that sits above your system of record. It complements your AMS/CRM by improving placement decisions and submission quality — not by replacing workflows.
What do we need for a pilot?
A single cyber practice group, a handful of carrier guides or updates, and a willingness to capture placement outcomes (declined / quoted / bound). No rip-and-replace. 60 days.
What's the ideal first use case?
Cyber submissions where control thresholds (MFA, EDR, backups) and limits drive quote eligibility. RiskSignal reduces wasted submissions and improves producer confidence before the submission goes out.
Who owns the data?
You do. Submission data, decline reasons, and placement outcomes are broker-owned. We process them to improve your recommendations — not to feed carrier distribution or third parties.

Run a cyber pilot with RiskSignal.

We're partnering with a small number of cyber practice groups for early deployments.

What you'll get

A cyber-only deployment for one practice group — including guideline change detection, appetite matching, and submission readiness scoring. We define success metrics up front and iterate quickly.

60-day pilot Cyber only Practice-group scope Defined success metrics

Contact

Interested in improving cyber submission quality and reducing market friction? Reach out.

Email michael@risksignal.com
Calendar calendly.com/risksignal
Location United States