Kalepa

Broker emails a fleet submission containing driver lists, MVRs, and historical loss runs.

Kalepa's AI automatically extracts the attachments and parses the structured data.

The system cross-references records, flagging clean drivers as 'Preferred' and highlighting specific drivers with auto losses or DUIs as 'Red Flags'.

The underwriter reviews the summarized insight dashboard and instantly approves a pre-calculated rate based on the risk profile.

A property schedule is ingested into the platform.

Kalepa enriches the address data in real-time with recent building permits, Google Earth imagery, and hydrant proximity metrics.

The system generates actionable 'Yellow Flags', such as '>30% of schedule not sprinklered' or 'Fire hydrant <200 ft away'.

The underwriter uses this data to appropriately price the risk or require risk engineering surveys before binding.

The D&O application is received and logged into Kalepa.

Kalepa scans external news feeds, legal databases (e.g., PACER), and financial filings.

The Copilot flags critical issues like 'Director involved in a current litigation case' or 'Layoffs detected'.

The underwriter quickly declines the risk early in the process, saving hours of deep-dive review time.

The MGA connects Kalepa directly to their centralized submission inbox.

The AI auto-clears and triages all submissions overnight, ranking them by a custom profitability score.

Top decile, highly profitable submissions are routed to senior underwriters' queues immediately.

Underwriters quote the best risks 5x faster, significantly improving broker relationships and bind ratios.

The Chief Underwriting Officer logs into the Kalepa Portfolio Management module.

The CUO reviews aggregate exposure across multiple lines of business and geographic regions.

They identify an unexpected trend of high-risk general liability submissions being quoted in a specific region.

The CUO adjusts the platform's triage rules globally to automatically decline or flag that specific risky segment moving forward.