Underwriting Appetite Checks

The out-of-appetite subs never reach your desk

Your appetite runs on every submission in the order you set. Anything outside it is referred with the reason attached, and your underwriters keep the pen.
Trusted by 200+ customers.

Powering underwriting for commercial MGAs, carriers, TPAs, and wholesalers

Don’t waste time on out-of-appetite risks

The class, the limits, the location, and the loss history decide what you can write. Heron checks all on arrival, so the best risks reach an underwriter first.

Built for real risks.
Built for real decisions.

Purpose-built AI and trained LLMs, tuned for real ACORDs, loss runs and SOVs, and built for the people who have to make a real call on a real business.

60K

submissions analyzed daily

3x

more volume per underwriter

SOC 2

compliant

Every check returns pass, review, or decline

Pass routes to underwriting, review required carries its flags, and fail carries the reason and the evidence. When a check cannot be evaluated it routes to review, never to pass.
Every check runs in a testing period first, flagging what it would have referred instead of blocking it.
As you build trust in the calls, you promote them one at a time.

Everything between the submission and the quote

Purpose-built AI, tuned for the ACORDs, loss runs and SOVs this work runs on, and built for the people who have to make a real call on a real business. Every document classified and read, the risk checked against your appetite, the fields written into your PAS. One path end to end, and you can start anywhere on it.

Quote faster. Bind more. Grow the book.

Heron mark rendered as a field of coloured blocks

~50% less underwriting time

No double-keying, less cross-referencing. £8–10M projected premium increase over the first 12 months once all lines run through Heron.

Rachel Oldroyd

Operations Director, NBS

Quotes turned around 12 hours faster than competitors

100 human hours saved per week

Quote more of the risks that fit your appetite

Deals are won and lost in minutes. Don’t waste another one.