Introducing Control Tower: Real-Time Visibility and Control for Underwriting Teams Adopting AI

Today, we unveil Control Tower, an upgrade to our core platform, enabling you to take control of your portfolio strategy and drive underwriting action.

Insurance companies today base critical underwriting decisions on portfolio analyses that are often weeks or months old; the Old Core of insurtech simply isn’t built to support the tight feedback loops demanded by the modern world of risk. This creates a dangerous blind spot between strategy and execution. By the time team leaders can discover strategic drift in their portfolio, hundreds of bad-fit risks have already been bound.

This era of flying blind is over. Control Tower eliminates the lag between assessing portfolio state and driving underwriting action. When market conditions shift, adjustments are applied instantly to agentic guardrails that guide every submission. When targets are threatened, the system automatically steers new business appropriately. 

Built in partnership with dozens of P&C insurers, Control Tower provides the governance and visibility that give underwriting leaders confidence and keeps their portfolio aligned to strategy at the speed of AI. It provides real-time insights and transforms static strategy documents and existing underwriting guidance into proactive guardrails that direct every risk decision. In doing so, Control Tower solves four big problems for underwriting teams:

Portfolio consistency: Control Tower enables underwriting leaders to codify their business strategy directly into their platform. Real-time portfolio data provides active guidance for every submission, steering teams toward desired outcomes and reducing surprise outcomes.

Portfolio visibility: Control Tower provides real-time visibility into performance against portfolio objectives at all organizational levels. Insurers can use Control Tower to deliver automated reporting to reinsurance and capital partners showing adherence to plan.

Underwriting efficiency: Control Tower automates administrative overhead in submission processing, automating clearance and referral for in-appetite submissions and declining bad-fit deals. The highest-appetite, most-winnable deals are prioritized as soon as they arrive.

AI compliance: Control Tower lets leaders deploy and monitor models, algorithmic underwriting strategies, and multi-purpose agents, while measuring performance, monitoring bias, and ensuring data provenance for maximum interpretability.

How It Works

Control Tower has three primary components:

Objectives allow the codification of portfolio goals directly into the underwriting platform. Define targets across your business, like a 6% average rate increase across a business line, and get direct insight into each submission’s potential impact on that goal to help inform each risk decision with real-time portfolio data.

Controls provide submission-level guardrails that keep the right deals moving forward and keep bad-fit deals out of your portfolio. As soon as a new submission arrives, Controls automate clearance for in-appetite risks, flag referrals, and decline out-of-appetite submissions, giving hours of time back to underwriters by replacing repetitive manual effort with smooth, automated workflows.

Insights provide visibility into how your underwriting team is working in concert with AI agents to hit Objectives and adhere to Controls. You can keep an eye on your book, watch how risk flows, identify opportunities to optimize your systems, and even generate reports for auditors, reinsurers and capital partners.

Getting started is remarkably easy. Control Tower allows you to upload existing guidance and strategy documents to automatically generate first-draft objectives and controls. This turns the process of migrating onto the platform into a task that can be finished by a CUO in an afternoon, without engineering assistance.

Built for Modern Insurance

At Federato, creating “systems of control” has been part of our mission since day one. Customers have always told us that they want to close the broken feedback loop in their underwriting process, but have lacked a single place where they can track metrics like portfolio accumulation or rate adequacy, update guidance to reflect portfolio state, and push that guidance back to underwriters. The reality is, conducting a thorough analysis of every submission’s impact to every facet of your portfolio strategy as soon as it arrives is not humanly possible.

But underwriting is no longer limited to that which is humanly possible. At Federato, we’ve built a system capable of performing complex analyses with depth and rigor at the speed of AI. A multi-agent AI system can identify the best risk in your pipeline, conduct a comprehensive pre-underwriting analysis, and even prepare entire quotes for underwriter approval, dramatically accelerating the entire underwriting process. Control Tower provides oversight and control for this new era.

Ready to see how easy it is to deploy Control Tower in your own company? Request a demo.