For Insurers & Reinsurers
Underwrite more of the right risks
One workspace where submissions arrive structured, pricing runs as a comparison of methods rather than a single number, and every document generates from the decision behind it.
TIV
$120M
LIMIT
$25M xs $5M
DEDUCTIBLE
$250k
NAMED INSURED
ACME Corp.
INDUSTRY
Manufacturing
INCEPTION
01 Jul 2026
Loss runs · 5y
Frequency 0.6 · Severity $310k
2021
2
2022
1
2023
3
2024
0
2025
1
Peer benchmark · 7 risks
+12% vs peers
The Problem
Where this role gets stuck today
Submissions arrive unstructured
Slips, loss runs and addenda arrive as PDFs and email threads. They are hard to parse, hard to feed into analytical tools, and the work of analysing them ends up spread across multiple systems before any decision can be made.
Pricing happens one method at a time
Technical pricing, renewal rate change, peer benchmarks and bespoke models each live in their own tool. Underwriters either stick to a single method or rebuild the comparison by hand for every deal.
Documents drift from the decision
Quotes, binders and endorsements are written from emailed instructions or rekeyed from spreadsheets, often by a separate team. By the time the policy lands, it has drifted from the analysis that drove it.
The Cactus Answer
One workspace, from submission to bound
Capture, analyse and transact on the same data. Submissions arrive structured, pricing is a comparison of methods, and every document generates from the decision behind it.
Structured on ingestion
Slips, loss runs and addenda arrive as PDFs and email threads. They are hard to parse, hard to feed into analytical tools, and the work of analysing them ends up spread across multiple systems before any decision can be made.
Pricing as a comparison, not a single number
Cactus runs experience burn, renewal rate change, class-specific methods, peer benchmarks and your own house models side by side, all against the live submission. Pricing becomes a comparison the underwriter picks from, with traceability on which method drove which number.
Documents generated from the decision behind them
Quotes, binders, endorsements and reports generate from the validated submission with approved wording. Nothing goes out the door that cannot be reproduced from the data and the decision behind it.
Cactus Risk Studio gave us a strong operating foundation from day one, allowing us to manage the business with better visibility while keeping our focus on underwriting.
Patrick Kenahan
First Specialty
Capture · Analyze · Transact
Faster decisions, on better data, with Cactus.
Designed for insurance experts, by insurance experts.