Underwriting Decisions That Explain Themselves
A risk score is only useful if your team can trust it. OZRA AI shows exactly which factors raised or lowered each score, what the expected loss looks like, and how the price would change if the terms changed, so underwriters and actuaries can see the reasoning behind every decision.
"Composite risk rated 68/100. The pricing markup of +23.3 bps over standard baseline is driven principally by non-standard structural loading in Zone 3 (+18.2 bps) and simulated 1-in-100 year convective coastal storm surge (+11.0 bps).
Primary credit is recognized for certified dual-stage automated halon suppression and zero recorded water ingress during the 2021-2024 monsoon cycles (-12.4 bps credit)."
Adjust policy terms and structural risk mitigation interventions to calculate real-time loss ratio elasticity.
Every decision creates a permanent, tamper-evident record that reinsurers, auditors and internal reviewers can follow step by step.
Reject statistical correlation assumptions. Model outputs decompose into exact marginal loss distributions mapped directly to your commercial lines codes.
Deterministic neural pathways automatically sever proxy demographic features, insulating chief actuaries from indirect discrimination litigation.
Plug attribution rationales directly into Guidewire, Duck Creek, or custom institutional core policy administration consoles via gRPC and REST.