●PRIVATE BETA / UNDERWRITING CORE

CLAUSTRUM

Risk scoring and premium guidance for commercial underwriters.

Claustrum takes a submission and returns a recommended premium range, expected loss ratio, referral decision, and the risk drivers behind it.

REQUEST ACCESS →VIEW API ↓

CLAUSTRUM / SUBMISSION_SCOREEXAMPLE

CLASS

ELECTRICAL

STATE

PAYROLL

$4.2M

LOSS HIST.

SPARSE

LOW

$4,210

TARGET

$6,840

HIGH

$12,300

ENDPOINT

POST /v1/underwrite

DECISION

QUOTE / REFER / DECLINE

OUTPUT

PREMIUM + DRIVERS

USE CASE

NEW BUSINESS + RENEWAL

01PROBLEM

Commercial submissions are still priced with broad buckets.

Class code, geography, payroll, and revenue explain only part of the risk. Underwriters still have to manually infer what the system misses.

LEGACY_RATE_TABLEMISSING SIGNALS

INPUT

class_code238220

stateca

payroll_band$2M–$5M

→

OUTPUT

BASE RATE

No ranked drivers. No uncertainty. No referral reason.

× loss_history

× payroll_trend

× license_status

× safety_record

× location_exposure

× financial_stress

02WHERE IT FITS

Used before quote, referral, and renewal decisions.

Before quote

Rank submissions by expected loss ratio and uncertainty before an underwriter spends time on them.

At referral

Show why a risk needs human review: missing data, high tail exposure, or out-of-appetite drivers.

At renewal

Re-score existing accounts when payroll, location, operations, or losses change.

03API OUTPUT

One endpoint returns the pricing decision and the reason for it.

POST /v1/underwriteREQUEST

{
  "class_code": "238220",
  "state": "CA",
  "payroll": 4200000,
  "revenue": 9100000,
  "prior_losses": [
    { "year": 2024, "incurred": 18000 }
  ],
  "signals": {
    "license_status": "active",
    "osha_events_36m": 1,
    "years_in_business": 7,
    "location_wildfire_score": 0.18
  }
}

200 OKRESPONSE

recommended_premium

$6,840

confidence_interval

$4,210–$12,300

expected_loss_ratio

0.61

decision

refer

referral_reason

high tail uncertainty

model_version

claustrum_wc_0.3

TOP RISK DRIVERS

Prior loss severity above peer group+14% premium

Sparse loss history / thin filerefer

Active license + clean financial trend-6% premium

04USERS

For teams that price commercial risk, not teams automating inboxes.

◆

MGA underwriting

Pre-screen submissions, route referrals, and set technical price guidance.

◆

Carrier pricing

Compare account-level risk against portfolio appetite and target loss ratio.

◆

Program review

Re-score books by class, geography, and driver contribution before renewal.

05EARLY ACCESS

Request access.

For underwriting, pricing, and program teams evaluating account-level commercial risk models.

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