The operating system for
specialty insurance.

Submission to claims in one platform. Your historical book turned into pricing and underwriting signal.

One platform

Submission to claims

Compounding intelligence

01Submission02Quoting03Underwriting04Binding05Claims

Data Intelligence

Unlock the policy, claims, and deal materials you already own.

Lexcel structures policies, claims, and deal files so they’re searchable and usable as underwriting and pricing signal.

Historical book · Structured signal
Patterns extracted from your archive
CohortsFaintStrongSignal

Flagship line

Transactional liability.

Submission Pipeline

Lexcel ingests every submission, scores it, and routes it to the right underwriter. Every deal stays visible across its lifecycle.

Lexcel Risk Index
Project Atlas
2.2Orange
0%25%40%60%+
Top drivers
Revenue
Contracts
Related parties
Geography
Scale
Grounded in your historical book.
The submission flow
Live
New
14
Quoted
38
Underwriting
22
Bound
9
Industrial services· $420M EV
New14m
Specialty chemicals· $285M EV
Quoted2h
Healthcare IT· $1.1B EV
Underwriting6h
Insurance brokerage· $640M EV
Bound1d

Quoting

Lexcel drafts the NBIL from the submission materials in minutes.

Non-Binding Indication Letter
Indication Letter
Draft NBIL
Policy Form
Buy-side R&W
Limit of Liability
$30,000,000
Retention
Policy Period
6 yrs
Indicative Premium
2.85% ROL
Underwriting Fee
Specific Exclusions
Word export

Underwriting

Rep-by-rep coverage analysis, exclusion drafting, and cited memos on the deals you win.

Underwriting
Issues and Questions
1Revenue recognitionMaterial
Ask
2Concentration riskMaterial
Ask
3Tax exposureQuestion
Ask

Purchase Agreement Review

Lexcel reviews every purchase agreement and provides comments grounded in your playbook.

Purchase Agreement Review
Project Atlas
Reviewed against your playbook · 2 yellow flags · 1 red
Comments ready
Deemed edit
For purposes of the Policy, scrape applies to both breach determination and loss calculation.
Deemed edit
Knowledge group deemed to include CFO and General Counsel for the Policy.
Non-insurable
Full disclosure / 10b-5 rep is not susceptible to market diligence and is not covered.
Word export

Binding

The bound policy package is assembled from the underwriting record, with the audit trail your reinsurers ask for.

Bound Policy · Declarations
Policy Package
Bound
Declarations
Policy No.
Carrier
Policy Period
6 yrs
Limit of Liability
$30,000,000
Retention
Premium Bound
2.85% ROL
Specific Exclusions
Endorsements Bound
E-01
E-04
E-07
E-12

Claims

When a notice comes in, Lexcel grounds coverage analysis and reserves in the actual record.

Claims · Coverage analysis
Project Atlas
Bound 2024 · notice 2026
Notice
Notice received
Claimant letter
Policy retrieved
Policy · Schedule A
Underwriting file
Issues memo
Deal materials
132 docs
Coverage opinion
Draft

What underwriters are saying.

Quoting [with Lexcel] goes from 3 hours of review to a half hour.

Head of Underwriting

[Lexcel] is finding insights we couldn't find before.

Head of Underwriting

The critical risk flags [Lexcel identified] are the ones we've had claims on.

VP of Underwriting

AI in underwriting isn't just efficiency. It's absolutely critical to success going forward.

Senior Underwriter

Kind of wild to see [Lexcel] in action. We've been talking about this for years.

Underwriting Team Lead

We've evaluated many AI companies. [Lexcel] is the one that actually knows underwriting and built a product tailored for it.

Head of Underwriting

Quoting [with Lexcel] goes from 3 hours of review to a half hour.

Head of Underwriting

[Lexcel] is finding insights we couldn't find before.

Head of Underwriting

The critical risk flags [Lexcel identified] are the ones we've had claims on.

VP of Underwriting

AI in underwriting isn't just efficiency. It's absolutely critical to success going forward.

Senior Underwriter

Kind of wild to see [Lexcel] in action. We've been talking about this for years.

Underwriting Team Lead

We've evaluated many AI companies. [Lexcel] is the one that actually knows underwriting and built a product tailored for it.

Head of Underwriting

Connects everywhere you work

Works with your existing systems.

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Security & Compliance

Built for enterprise security.

SOC 2 Type II

AICPA SOC for Service Organizations

Benchmark

Underwriting, side by side.

Same nine-figure M&A transaction. Same submission materials. Same scope of commercial contracts review.

Lexcel

1.6 hours

4 prompts

Surfaced more material findings than the polished, attorney-reviewed final.

Today

100+ hours

4 attorneys, ~1 month

Polished, attorney-reviewed commercial contracts review on the same scope.

Read the full benchmark write-up for methodology, scope, and limitations.