Used by a $3B premium specialty carrier

Underwriting intelligence
in under 10 seconds.

Classification, risk scoring, property data, crime, hazards — every signal an underwriter needs at the point of decision, delivered in one report. Built for commercial GL and healthcare facilities. Tuned to your appetite.

Book a demo → See a sample report
<10s
Per Report
60,000
Policies Audited
10+
Verticals Covered
30 yrs
Carrier Operating Experience
The Problem
"Why did we ever write this?"

— Every actuary, after the loss.

Every commercial underwriting team eventually has that meeting. Usually it's after a loss. Usually the answer is some version of "the underwriter didn't see something they should have" or "we didn't have time to look that closely."

In small commercial, volume erodes underwriting time. Different underwriters apply different judgment to similar risks. No one cares about the risk profile until a large loss happens — and then the actuary asks the question above.

Understudy solves this. Every underwriter sees the same data in the same format, in under 10 seconds, tuned to your carrier's appetite. Consistency replaces variance. Decisions are auditable. Front-end selection improves. Loss ratios follow.

Products

Underwriting intelligence built for the lines you actually write.

Two production platforms covering commercial GL and healthcare facility risks. Both deliver decision-ready reports in seconds, designed for underwriters who don't have time for guesswork.

Commercial GL

Classify

Risk classification, scoring, and underwriting intelligence for small commercial. Restaurants, food retail, offices, self storage, and hotels.

  • Proprietary classification with SIC, NAICS, AAIS crosswalks
  • Understudy Score (0–100) with RAG rating and rationale
  • Crime, liquor license, nearby business, website risk signals
  • Optional property data: 65+ HazardHub fields
  • PDF report export and bulk audit capability
Understudy Classify report sample for a restaurant
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Healthcare Facilities

Healthcare

Underwriting intelligence for nursing homes, home health, dialysis centers, hospitals, and assisted living facilities.

  • CMS quality ratings and regulatory fines analysis
  • Operational, property, and combined risk scores
  • Staffing benchmarks vs. state and national averages
  • Inspection history, complaint patterns, ownership stability
  • Property enrichment with HazardHub perils data
Understudy Healthcare report sample for a hospital
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How It Works

Four steps from address to decision-ready report.

1

Search

Type any business name and address. Autocomplete identifies the exact location in seconds.

2

Classify

Proprietary classification engine analyzes chain signals, type mapping, alcohol indicators, and operational data.

3

Score

Understudy Score evaluates risk and credit factors. RAG color coding for instant write / review / decline guidance.

4

Enrich & Export

Optional property data layer adds 65+ HazardHub fields. Download a complete PDF report ready for the submission file.

Proof

Production-grade, in market today.

Anchor Customer
$3B
Premium specialty carrier

Uses Understudy in production for daily underwriting decisions across multiple lines of commercial business. Reports delivered via web platform and integrated workflow, with enterprise-grade security and procurement clearance.

Book Audit Engagement
60,000
Policies reclassified

A regional GL carrier engaged Understudy to reclassify their full book of restaurant and office policies ahead of a rate filing. We identified hundreds of misclassified accounts coded as "other" and produced accurate primary classifications across the entire portfolio.

Tarek Timol, founder of Understudy
Dallas CIO of the Year 2019 Finalist
The Founder

Built by someone who lived the problem.

Tarek Timol spent 30 years inside insurance carriers before building Understudy — as COO, CAO (with claims rolling up), and CIO. He's owned balance sheets and production P&Ls. He's sat through the "why did we write this?" meetings.

As CIO at Hallmark Financial Services, Tarek built out the data and analytics culture and introduced AI, RPA, and ML across an $800M insurance company spanning admitted and non-admitted specialty platforms. As Chief Administrative Officer at Hallmark, he had direct oversight of P&L, Claims, Operations, Compliance, and IT.

Prior to Hallmark, he held leadership roles at Marsh, Guy Carpenter, AIG, Ironshore, and Torus — across brokerage, carrier, and specialty platforms.

COO CAO CIO P&L Owner 30 Years

"I built Understudy because consistent underwriting data shouldn't be a luxury small commercial carriers can't afford."

Beyond the Subscription

Capabilities for carriers, MGAs, and platforms.

Understudy delivers value at every point in the underwriting lifecycle — from per-account decisions to full book analysis to embedded API workflows.

Per-Account Reports

Subscription pricing with monthly search allowances. Standard, Professional, and Enterprise tiers scale with your underwriting team size — not artificial seat counts.

Book Audit & Reclassification

Bulk analysis of in-force books. Identify misclassifications, undisclosed exposures, and risk drift ahead of rate filings or program reviews. Engagement pricing scales with book size.

API Integration

Embed Understudy reports into your existing underwriting workflow, submission platform, or agent-facing system. Custom scoring available — tuned to your specific underwriting appetite.

Get In Touch

See what Understudy can do for your underwriting.

Book a 30-minute call to walk through the platform on real accounts from your book. Or email directly — Tarek responds personally.

Book a 30-minute demo →
or reach out directly
tarek@understudyins.com 214-699-8822