North Atlantic Specialty Insurance
“We expected an underwriting copilot. We got a portfolio surface. Concentration on every bind, CAT response in minutes, NAIC review pack one click away — Vortic changed how our UW desk runs the book, not just how it reads submissions.”
Where manual underwriting broke down
North Atlantic Specialty Insurance is a US specialty P&C carrier writing $480M GWP across commercial property and inland marine in the Northeast. The four-person UW desk had hit a hard ceiling: submission volume kept climbing, but their portfolio concentration tooling lived in a monthly Excel review — by the time concentration was visible, the bind was already on the books. CAT response meant scrambling through bind logs after an NHC bulletin. NAIC rate-filing reviews ate a week of senior UW time per state per year.
How Orb changed the workflow
North Atlantic deployed Vortic across the full UW desk. Every submission carries a marginal-impact widget showing how the bind would shift ZIP3 concentration against their CAT cap, surfaced *before* the bind click. The CAT-mode workbench gives them per-policy re-scoring (wind damage curve × distance × surge) and a treaty cession draft within 18 minutes of an event declaration. Every agent call is logged with prompt, model, output, and trace id — exportable as a state DOI rate-filing review pack.
Measurable impact in 30 days
Within 90 days, the desk wrote 31% more submissions on the same 4-person headcount. The concentration surface caught a Manhattan ZIP3 breach on existing book that the monthly review hadn't seen — restructured a $14M layer without a mid-quarter treaty call. A Hurricane Daria drill (fixture event) re-scored the entire book in 18 minutes, generating cedent letters and treaty cession draft as drafts for the CUO to review. NAIC + state DOI rate-filing review now exports from a single trace log — the senior UW reclaimed roughly 12 working days per year.