Underwriting Exposure Management
Real-time portfolio monitoring, submission triage, and agentic intelligence for commercial property underwriters. Steer your book with precision.
Why Command?
Purpose-built for commercial property underwriters who need real-time visibility into portfolio exposure and active perils.
Real-Time Portfolio Overview
Instant visibility into total bound exposure, state distribution, and peril coverage across your entire policy book.
Live Peril Monitoring
Track CAT events, non-CAT perils like severe storms and flash floods, plus civil unrest and riot activity that can impact your portfolio.
Near Miss Analysis
Stress-test quotes against historical events. See how volatile an account would have been — even with zero claims history.
Arkbright AI Assistant
RAG-powered chat that understands your portfolio. Ask questions about exposures, concentrations, and risk profiles in natural language.
Binding Restrictions
Automatic binding holds based on active perils and forecasts. Sublimit tracking and clause management for every policy.
Event Impact Analysis
Property-level impact assessment for active and historical events. Know your exposure before, during, and after major perils.
Portfolio at a Glance
Real-time visibility into your entire book of business
Command's dashboard gives you instant visibility into total bound exposure, active peril alerts, and submission pipeline risk — all in one view.
See TIV distribution by state, peril coverage across your portfolio, and identify concentration risks before they become problems.
When active perils threaten your book, Command calculates net exposure at risk in real time — accounting for sublimits, deductibles, and line size.
Total Bound
$847M
12 active policies
At-Risk Exposure
$124M
3 active perils
Submissions
$56M
2 at risk
Monthly At-Risk Exposure
TIV by State
Peril Coverage
Storm
Flood
Wind
Fire
Quake
Hidden Risk Intelligence
Near Misses: An Absence of Claims
Doesn't Mean Absence of Volatility
A clean loss history can hide significant peril exposure. Command lets you stress-test any quote against historical events to reveal how volatile it would have been if bound last year.
A submission arrives with zero claims history. Looks clean — but is it? Command's Events & Exposure page lets you replay historical perils against any SOV.
Set a hypothetical inception date from 12–18 months ago and see exactly how many alerts would have triggered, which properties were in peril zones, and what your net exposure would have been.
Near miss analysis turns "no claims" into actionable intelligence: should you load the premium, tighten sublimits, or walk away? Make decisions based on volatility, not just loss history.
Convert historical alerts into a volatility score that feeds directly into your pricing models. High volatility accounts deserve risk-adequate premiums — even when loss history shows zero claims.
Example: A "clean" Florida coastal account would have triggered 14 hurricane alerts and $32M net exposure at risk during the 2024 storm season — despite zero claims.
14
Alerts
High
Volatility
+18%
Rate Load
14
Alerts Triggered
$32M
Net Exposure at Risk
23
Properties Affected
High Exposure Events
Hurricane Helene
Sep 26, 2024 · 8 properties
Hurricane Milton
Oct 9, 2024 · 12 properties
Tropical Storm Debby
Aug 5, 2024 · 5 properties
Agentic Intelligence
Arkbright: Your AI Underwriting
Assistant
RAG-powered chat that understands your portfolio. Ask questions in natural language and get instant answers.
Arkbright uses retrieval-augmented generation to answer questions about your specific portfolio — not generic insurance knowledge.
Ask about concentration risk, exposure by region, or policy terms. Arkbright searches your data and responds with sourced, accurate answers.
Available as a chat widget throughout the app, or in a dedicated full-screen interface for deeper analysis.
What's our total flood exposure in Florida?
Based on your current portfolio, your flood exposure in Florida is $47.2M across 23 properties.
The largest concentration is in Miami-Dade County ($18.4M, 8 properties). 78% of these properties have flood sublimits.
Real-Time Alerts
Peril Monitor: Know Your Exposure
Before the Storm Hits
Live integration with Peril Watch for real-time hazard data. See which policies are affected by active and forecasted perils.
Command integrates directly with Peril Watch to overlay your portfolio onto live hazard data — hurricanes, wildfires, floods, and severe storms.
When a peril threatens your book, Command automatically calculates affected exposure, identifies impacted properties, and suggests binding restrictions.
The interactive map shows both bound policies and pending submissions at risk — so you can make informed decisions on new business.
Wind coverage suspended for FL Gulf Coast counties. 48-hour forecast shows elevated risk.
Built for Enterprise
Secure, scalable, and designed for commercial property underwriting teams.