◑ Comparison
Manual underwriting
vs the Orb pipeline.
The same submission. Radically different processes. Here's what actually changes when you run every risk through nine specialist agents.
The same submission. A completely different experience.
Every step of the manual workflow maps to an automated agent in Orb. Nothing is skipped. Nothing is inconsistent.
Manual / Spreadsheet
Broker document sits in inbox until an underwriter has capacity.
Underwriter manually extracts TIV, construction, and occupancy from PDFs.
Flood zone lookups done separately in FEMA portal — often skipped under time pressure.
OFAC / sanctions checks may be missed entirely on smaller risks.
Memo written from scratch every time — no consistent format, no citations.
Treaty concentration checked in a spreadsheet, if at all.
SLA management is a calendar reminder or a sticky note.
Audit trail is "check my inbox" — not verifiable for regulators.
Average time per submission: 45 minutes of skilled underwriter time.
vs
With Orb
Submission triggers the pipeline automatically — no manual queue management.
Document parser extracts structured data in seconds with confidence scores.
Flood, HVHZ, and CAT exposure agents run in parallel — every time, no exceptions.
OFAC, sanctions, and adverse disclosure checks run automatically on every submission.
Structured memo generated with inline citations — consistent, board-ready format.
Treaty and concentration guardrails fire against live portfolio limits automatically.
SLA clock starts at submission receipt — colour-coded urgency, escalation alerts.
Immutable audit trail: every agent step, prompt, output, and decision logged.
Average time per submission: under 30 seconds of compute, 3 minutes of review.
“Before Orb we were drowning in submissions. Now every risk gets the same rigorous treatment — whether it arrives on a Monday morning or at 4pm on Friday.”
— Head of E&S Property Underwriting, US MGA