Kalepa

Kalepa automatically classifies incoming insurance submissions and extracts risk data from multi-document packages. The platform processes submissions received through email forwarding, portals, or APIs and structures them for underwriting review. It handles varied formats including ACORD forms, spreadsheets, loss runs, and unstructured documents without requiring model training. Each extracted data point is validated through document-linked evidence, consistency checks, and confidence scoring to maintain reliability regardless of submission format or channel.

Once submissions enter the system, the platform routes each one to the appropriate underwriter based on configurable rules that consider line of business, geography, broker relationships, and capacity constraints. It performs entity resolution to connect related accounts and policies while identifying broker conflicts and broker-of-record relationships. Sanctions screening and other compliance validation controls run early in the workflow. Routing logic, escalation paths, and intake rules can be configured to reflect internal underwriting structures and organizational requirements.

During underwriting review, Kalepa consolidates submission documents, internal records, and external data into a single workspace that brings exposures, controls, and communications together for evaluation. The platform enriches each submission with external intelligence including hazard indicators and financial data to support risk evaluation. It flags inconsistencies, missing information, and regulatory concerns that require further attention. Analysis adapts by class and coverage type, and every insight is linked back to its source for traceability and auditability in underwriting decisions.

After submissions pass underwriting review, the platform generates pre-populated quote documents, reducing manual document preparation at the quoting stage. It applies forms and endorsements based on coverage type, jurisdiction, and risk attributes using built-in logic rules. Kalepa maintains continuous data flow between quote and binder documents and integrates with external rating tools and core insurance systems. Quoting and binding activities are managed within a connected workflow that can be configured to reflect existing operational structures.

At the portfolio level, Kalepa connects individual underwriting decisions to overall strategy through a live view of exposure by geography, industry, peril, and premium. Portfolio metrics update continuously as submissions and renewals move through the workflow. Appetite rules and risk tolerances are translated into routing and prioritization logic applied at the point of submission intake. The platform also surfaces recommendations for adjusting underwriting strategy and uses ongoing portfolio performance data to update scoring, routing, and control rules in real time.