Solutions for Insurance & Surety
AI that reads financial documents like an underwriter.
InWork Global builds AI-powered financial intelligence systems — document processing, risk scoring, underwriting automation, and compliance-ready data pipelines — for US insurance, surety, and fintech companies.
What generic vendors miss
Five requirements specific to surety and insurance.
The surety and insurance industries have technology requirements generic AI vendors consistently miss. Our InSurety platform — and every financial AI system we build from scratch — addresses all five.
The underwriting workflow
From document intake to risk output.
A complete AI underwriting workflow — the architecture behind InSurety and our custom platforms.
Document ingestion — multi-format support (PDF, DOCX, XLSX, JPEG, PNG, TIFF) with an OCR layer (Azure Form Recognizer, AWS Textract, PaddleOCR fallback) and document-type classification.
AI extraction & normalization — field extraction with per-field confidence scoring, currency and date normalization, entity resolution, and missing-field flagging.
Financial analysis — liquidity, leverage, and profitability ratios; working-capital trend analysis; revenue growth; and surety-specific bonding-capacity estimation.
Risk scoring — a normalized 0–100 score with tier classification, confidence interval, exception flags, and peer benchmark comparison where data is available.
Output & review — structured JSON for integration, a formatted PDF underwriting report, CRM/AMS push (Applied Epic, AMS360, HubSpot), and an exception queue for human review.
Compliance-ready by design
Explainability, non-discrimination, and auditability.
Deploying AI in financial decision-making attracts regulatory scrutiny. Here's how we address it.
Explainability
SHAP value explanations on every score, a full decision log from input data to output, and plain-language explanation generation for each decision.
Non-discrimination
No protected-class data in scoring models, regular fairness testing across demographic proxies, and adverse-action notice drafting support (ECOA, FCRA).
Audit trail
An immutable, timestamped, user-attributed log of every application; document retention per client policy; and SOC2-aligned controls on audit-log integrity.
Frameworks we design for
FTC Act, FCRA, ECOA, state insurance department requirements, and NAIC guidance on AI use in insurance — with GDPR-aware data residency options.
75%
Reduction in time-to-decision
On an anonymized AI-native surety underwriting platform for a surety MGA, time-to-decision dropped from 3–5 days to under 4 hours — with FCRA-compliant adverse-action language, human-in-the-loop for all final decisions, and a SOC2-aligned audit trail throughout.