The platform
From a messy pile to a memo you can sign. Rytera reads, checks, and prices. You still decide. Not a stack of parsed PDFs you have to rewrite.
The problem & the fix
Old workbenches were built to hold files. Underwriters were left to read them all. Rytera flips the order: we read, check, and price. Your team still decides. Every desk word below is also in In plain English.
How the workbench runs
Three steps every file follows: sort the queue so the right submissions rise first, check the risk and price from your filed rates, then hand you a recommendation a licensed underwriter can sign. You work exceptions — not the pile.
The live queue is ranked by what you will write, how big the file is, and how much is at risk. You see the ones that matter before the ones that don’t.
Filters for what you will write, coastal catastrophe, workers-comp class codes, and loss history fire before a human opens the file.
A licensed underwriter signs. Who can sign what size of risk is written down. AI proposes. You dispose. Every change you make is recorded.
Practice mode first (no policy issued). Then real outside data. Then the system that issues the policy. Nothing goes live until you say so.
Deep-dive underwriting
Each line of business has its own checks and prices from your filed rates. Pick a desk, or see the shared Connect & pull intake that meets the file where it already lives.
Standard broker forms (ACORD), slips, claim histories (loss runs), building lists (schedule of values), inspections — classified, read, and names stripped for practice mode.
Sort the queue. Check the risk and the price. Hand you a recommendation. A deeper pass when you ask.
Accept, accept with conditions, refer, or decline — with an indicated premium. After you sign, the quote can land in the policy system (for example Guidewire) so you do not type it again.
One panel per job: how the building is built (COPE), outside data checks, where each fact came from, how the price was built, and a sealed paper trail.
Applications, dwelling cover, prior-claims checks (CLUE), and inspection scoring — priced from your filed home rates.
Applications, driving records (MVR), and vehicle declarations — priced from your filed auto rates.
Applications, paramedical exams, and medical underwriting — mortality scoring from your life rates, not a guess.
Home, auto, and life engines driven by the manuals you filed with the state. We will not quote a demo book and call it yours.
W-2, tax returns, credit reports, appraisals, bank statements, rent rolls — the pack processors already know.
Specialist checks for income, credit, assets, and the property that backs the loan.
Approve, refer, suspend, or deny — with the mortgage rules that require clear closing costs, honest credit pricing, and fair reporting (TRID, Reg Z, HMDA).
Jobs stay with your company. When the loan system needs an update, we send a signed notice — not a mystery ping.
Business and consumer loan applications on the same workbench.
Credit risk, compliance rules, and a price that can move with the file — in one pipeline.
Equal-credit rules (Reg B, ECOA), a written reason if we say no, and collateral checks.
Only the right people in your company can see a file. Every decision is sealed. Same rules on every desk.
Company panel
Every file is for someone’s paper. Pick the writing company from the list you are appointed to. Rytera does not invent a market appointment you do not have. Prices still come from the rate book you loaded.
The line underwriter picks whose paper the file is for before the work starts. That company is stamped on the job, the memo, and the paper trail.
MGAs and multi-company carriers add appointed names in Settings. Same desk, whichever company the file needs.
Platform capabilities
Production underwriting needs more than a model score. Who decides, names coming off, how files arrive, how the queue is sorted, and a pack an examiner can read — those are the product. Not extras.
Governance
Privacy
Intake
Operations
Compliance
Outside data
Reliability
Renewals
Portfolio
Model intelligence
State regulatory engine
Rytera ships a compliance engine with 50 states + DC, line-specific rules for auto, property, liability, workers’ comp, life, health, cyber, marine, and more. Rate filing method, surplus-lines diligence, tort model, binder rules, and prompt-pay deadlines are checked before a memo goes bind-ready. Regulatory feeds from state DOIs, NAIC, and the Federal Register are polled and surfaced for staff review.
How we catch a wrong number
These checks actually run. We do not list science we have not built. If two facts cannot both be true, or we are not sure we read the number, a person sees it. Words of the desk.
A driver license issued after the policy starts. Payroll of $5M with zero employees. The deductible bigger than the limit.
Cross-field rules. If two numbers on the same file cannot both be true, the memo does not swallow them. You see the bruise.
A 1,200 sq ft house claiming $15M to rebuild is not the same as a warehouse. $15M can be right — just not for that building.
Conditional bounds. Rebuild cost is checked against square footage. A small dwelling cannot wear a commercial number quietly.
Page 1 says $500,000 incurred. Page 4 says $120,000. Someone has to notice.
If two reads disagree, we do not pick the pretty one. Disagreement goes to you. Low confidence never glides into a yes.
A diagnosis, an exclusion, a total — if we cannot point at the file, it is not a fact.
Every extraction cites the page. Outside claim history and driving records are used only when your accounts are connected. We never invent a clean history.
A repaired roof in Photoshop is not an inspection. Messaging apps strip the camera tag. Someone has to notice.
We read EXIF / ELA software tags and JPEG recompress scars (error-level analysis). Edit software or a local paste gets flagged. We ask for the original camera file. We do not claim a crime lab.
A declined file comes back under a cousin’s name, same phone, same drop address.
A graph net links files that share a phone, email, tax ID, address, or IP, then scores the cluster. Isolated files stay quiet. Rings do not.
Stated mileage, MFA “yes” on a cyber form — easy to type, hard to live.
When a connected-car or vulnerability-scan account is live, we compare the answers to the feed. Simulated never invents a clean score. Missing keys become a finding, not a green light.
“Your word is your bond.”
See it on your file
Bring one messy broker pack. We run it in practice mode — nothing binds until you say so. You still sign. We show you the memo, the math, and the paper trail.
Prefer email? hello@ryterainc.com