Coastal Risk MGA
“Orb gave us back the time we were losing to manual parsing. We went from spending 45 minutes per submission to under three minutes — and the quality of the memos is frankly better than what our team was producing under time pressure.”
Where manual underwriting broke down
Coastal Risk MGA wrote over 4,000 E&S property submissions per year across the Gulf Coast and Atlantic seaboard. Every submission required manual parsing of broker documents, independent flood zone lookups, Citizens market exclusion checks, and construction-type verification. The team of six underwriters spent nearly half their day on data gathering rather than risk assessment. SLA breaches were running at 14% per quarter, with broker relationships at risk.
How Orb changed the workflow
Coastal Risk deployed Orb's nine-agent pipeline across their full submission intake. The document parser extracts TIV, construction type, occupancy, and location in seconds. Parallel agents run FEMA flood zone lookups, HVHZ wind-zone checks, Citizens eligibility, pricing benchmarks, and treaty concentration — all before an underwriter opens the submission. The team reviews a pre-populated decision memo and either binds, declines, or refers with one click.
Measurable impact in 30 days
Within 30 days of go-live, Coastal Risk reduced per-submission handling time from 45 minutes to under 3 minutes. SLA breaches dropped from 14% to below 1%. The team's annual capacity increased by 38% without new hires. Bind rate improved by 12 percentage points year-over-year as underwriters spent more time on risk quality and less on data entry. The audit trail from Orb's structured memos now satisfies their Lloyd's coverholder quarterly reporting requirements with no additional preparation.