Underwrite in seconds, not weeks
OZRA AI uses our own proprietary AI, trained on real claims and policy data, to help insurers price risk faster and more accurately.
< 60 sec
Average time to a risk score
100%
Explainable, auditable decisions
Your Data
Models trained on your own claims history
Zero
Third-party AI vendors in the stack
Trusted by insurers across the United States and Europe
United States
Kingstone Companies
Heritage Insurance
Global Indemnity
Employers Holdings
Citizens
Europe
Yolo Group
Voss Veksel- og Landmandsbank ASA
Alm. Brand A/S
One platform for the whole underwriting journey, from submission to bound policy
Most underwriting teams still work across inboxes, spreadsheets and rating tools that were never designed to talk to each other. Information gets copied by hand, context gets lost between steps, and the same risk can be priced differently depending on who picks it up.
OZRA AI brings those steps together. It reads incoming submissions, scores each risk against your own history, suggests a price, and records the reasoning, all inside the workflow your teams already use. The result is faster quotes, more consistent decisions, and a clear trail that anyone can follow later.
Underwriting has a bottleneck problem
Traditional underwriting is slow, generic, and expensive. OZRA AI fixes all three.
Slow Manual Underwriting
Real-time, automated risk scoring in seconds instead of days or weeks.
Generic Actuarial Models
Custom risk models trained on your own claims and policy data.
High Review Costs
Cut manual review overhead with explainable AI recommendations.
How It Works
From raw data to real-time decisions in three simple steps.
Connect Your Data
Securely link your historical claims and policy data, with no migration headaches.
OZRA AI Trains a Custom Model
Our proprietary AI trains a risk model built specifically for your book of business.
Real-Time Scoring
Get instant risk scores and explainable underwriting recommendations.
Why OZRA AI
Purpose-built for insurers who want speed and accuracy, without giving up explainability or control over their models.
Faster Approvals
Move from application to decision in seconds, not weeks.
Lower Loss Ratios
Sharper risk pricing driven by models trained on real outcomes.
Explainable AI Decisions
Every score comes with clear, auditable reasoning your team can trust.
Built on OZRA AI's Own Proprietary Engine
No black-box third-party APIs. Models built and owned entirely by OZRA AI.
Inside the platform
Six capabilities that work together, or one at a time if you want to start small.
Submission intake
Broker submissions arrive as emails, PDFs, spreadsheets and scanned slips. OZRA AI reads them, pulls out the exposure details, schedules of values and loss history, and turns them into a clean, structured risk file in minutes.
Risk scoring
Every risk gets a score from a model trained on your own claims experience, together with the factors that pushed it up or down, so an underwriter can see at a glance what makes this account different from the rest of the book.
Pricing guidance
The platform suggests a technical rate and shows how far the quoted price sits from it. Underwriters stay in control of the final number, with a clear record of when and why they deviated.
Referral rules & authority
Encode your underwriting guidelines and authority limits once. Clean risks flow straight through, while anything outside appetite or above a limit is routed to the right senior underwriter with the reasons attached.
Portfolio monitoring
Watch accumulation by region, peril and line as new business is written. Spot drift early, when the risks coming in start to look different from the ones the model was trained on.
Connects to your systems
Scores and explanations are delivered through APIs into the policy administration, rating and workflow tools your teams already use, so nobody has to learn a new screen to benefit.
Built for every team that touches a risk
Underwriting decisions involve more people than the underwriter. OZRA AI gives each of them what they need.
- Underwriters
- Spend less time re-keying documents and more time on judgement. Each file opens with the key facts already extracted, a score, and the handful of factors worth a closer look.
- Actuaries
- See exactly how the model weighs each rating factor, compare it with your existing tables, and test what-if scenarios before any change reaches production pricing.
- Compliance & risk
- Every decision carries a written rationale and a full history of who saw what and when, ready for internal audit, reinsurers and regulators.
- Leadership
- Track turnaround time, hit ratios and loss-ratio trends across teams and regions, and understand where growth is coming from and what it is costing.
Lines of business we support
The same approach, your own data in and a custom model out, adapted to how each line is written.
Property & commercial
Warehouses, factories, offices and retail, with catastrophe and fire exposure in view.
Marine & cargo
Hull, cargo and storage risks, priced on voyage, port and commodity history.
Health
Group and retail health plans, built on your own claims and utilisation data.
Motor
Private and commercial fleets, with driver, vehicle and usage factors combined.
Liability
General, professional and product liability, where long-tail history matters most.
Specialty
Niche and emerging lines where generic tables simply do not exist yet.
Does OZRA AI replace our underwriters?add
No. OZRA AI handles the repetitive parts of the job, reading submissions, gathering data and producing a first view of the risk, so underwriters can focus on the decisions that need experience. The final call always stays with your team.
What data do we need to get started?add
Most insurers start with a few years of policy and claims history for one line of business. We help you prepare and map it, and the model improves as more of your data is connected over time.
Where is our data stored?add
Your data stays inside an environment you control, either a private cloud account in your region or on your own hardware. It is never pooled with other insurers' data or used to train anyone else's model.
How long does a deployment take?add
A first model on a single line of business is typically ready within a pilot of around 30 days. Wider rollouts are planned together with your IT and underwriting teams.
Can regulators and auditors understand the decisions?add
Yes. Every score is broken down into the factors behind it and comes with a plain-language explanation, so it can be reviewed and challenged like any other underwriting decision.
Be first in line
Join the waitlist for early access to OZRA AI's underwriting platform.
We'll never share your details. Unsubscribe anytime.