An Outsourced Digital Workforce Model for Scalable, Predictive Underwriting

The Challenge in Traditional Property Risk Assessment

Property underwriting is undergoing a paradigm shift. Escalating climate volatility, increasingly dense urban exposures, and a surge in complex claims histories have eroded the reliability of conventional actuarial methods. Traditional underwriting practices—anchored in retrospective loss data and human interpretation—struggle to keep pace with the velocity, granularity, and unpredictability of modern risk vectors.

Building a proprietary AI infrastructure to address these pressures is quite expensive for most carriers. The undertaking requires not only advanced data science expertise and deep-learning model development, but also ongoing investment in data pipelines, cloud infrastructure, and regulatory compliance. For many insurers, such undertakings dilute focus and inflate operational overhead.

This is where outsourcing to an AI FTE (Full-Time Equivalent) model emerges as a strategic lever.

Primis’ AI FTE as a Digital Property Risk Underwriter

We introduce the AI Full-Time Equivalent (FTE) Model—a managed, outsourced solution that functions as a digital underwriting analyst dedicated exclusively to property risk. Operating as an externalized workforce, the AI FTE integrates seamlessly with carrier systems through secure APIs, absorbing and analyzing high-velocity data streams to deliver underwriting-ready outputs.

By shifting this capability to a managed service model, insurers avoid the expense of developing proprietary platforms while benefiting from continuously refined algorithms, domain-specific expertise, and scalable operational support.

Core Capabilities of the AI FTE for Property Risk

1. Multi-Domain Automated Risk Evaluation

The AI FTE ingests structured and unstructured inputs across environmental conditions, property attributes, and historical claims. It unifies these disparate signals into a consolidated analytical framework, enabling a holistic understanding of risk exposures. Unlike siloed internal tools, this outsourced engine evolves continuously with new data inflows, ensuring relevance across geographies and portfolio segments.

2. Predictive Property Risk Forecasting

Leveraging advanced machine learning models and geospatial mapping engines, the AI FTE forecasts the probability and severity of property risks such as floods, wildfires, seismic events, or structural vulnerabilities. These predictions are not static; they adjust continuously as environmental and behavioral data shift, ensuring that underwriting reflects present and future realities—not outdated historical averages.

3. Data-Driven Insights for Precise Underwriting

Instead of overwhelming underwriters with raw datasets, the AI FTE synthesizes multiple inputs into clear, intuitive risk scores. By converting complex data streams into structured insights, it reduces subjectivity and increases consistency across portfolios. This empowers insurers to apply standardized, transparent decision-making frameworks.

4. Automated Underwriting Recommendations

Beyond identifying risks, the AI FTE translates its assessments into underwriting recommendations—suggesting premium adjustments, coverage terms, or mitigation requirements. These outputs are explainable and regulator-ready, ensuring transparency while accelerating time-to-decision.

Our Core Differentiators

• No Infrastructure Burden: Eliminate the need for costly in-house AI platforms or data engineering teams.
• Accelerated Deployment: Deploy digital underwriting capability without multi- year build timelines.
• Scalable and Adaptive: Assess thousands of properties simultaneously with a system that evolves in response to changing data and threats.
• Expertise On-Demand: Access reliable AI and domain expertise without expanding internal headcount.
• Underwriter-Centric Focus: Human teams remain focused on judgment-based decisions while the outsourced FTE manages computational complexity.

Leverage Primis’ AI-powered Digital FTEs to modernize your underwriting framework and stay ahead in an evolving risk ecosystem. Connect with us to explore how our technology transforms risk into opportunity.