For insurers and MGAs
Small business submissions you can underwrite with less follow-up.
SME cyber applications arrive incomplete, inconsistent and hard to check. PrismX prepares them against your own question set, with evidence behind the answers and a signed pack you can rely on.
You keep every decision. PrismX prepares risk information. Your underwriters decide eligibility, pricing, coverage and claims.
PrismX prepares risk information. Insurers decide eligibility, pricing, coverage and claims. PrismX is not the underwriter or a broker.
Why small business cyber is hard to write
Answers you cannot compare
Every applicant reads the questions differently, so two yes answers rarely mean the same thing.
Follow-up that costs more than the premium
Chasing missing answers and evidence for a small policy eats the margin.
Claims that start badly
Late notification, the wrong providers in the first hours and decisions made without consent.
A profile that is out of date by renewal
The application is a snapshot. Controls lapse during the year and nobody knows.
What a cedent or MGA gets
Your question set, answered the same way
Answers derived from one control library and the SME’s profile, with the controls behind each answer and a reason for any override.
Referral rules applied before you see it
An all yes, no referral check runs on the submission, and the verdict travels with it.
Signed packs with a certificate
Typed signature, time, IP address, browser and sha256 hashes of the record and the pack, computed on the server.
A review queue
Sent submissions by SME, question set, date, referral result and status, with the signed pack to download.
Verified evidence
Your reviewers can verify evidence. The SME cannot verify its own.
Pilot reporting
Coming in the pilot: applicants reaching quote, quote to bind, submission to bind time and control evidence rates against your baselines.
Remediation outside your decision
Who fixes an SME’s gaps is the SME’s choice. PrismX records the action and the verified evidence. Nothing about pricing or placement changes.
How a cedent runs it
Set up your tenant
PrismX creates your workspace with your market and default question set, and invites your admins.
Bring in SMEs
Create SMEs, invite brokers, or share your invite code so SMEs register themselves.
Assign advisors
Assign advisors to SMEs that need them: PrismX advisory, a broker’s technical partner or the SME’s own provider. Advisors propose and verify. The SME accepts.
Review and decide
Signed packs arrive in your review queue. Your underwriters take it from there.
Common questions
Something else? Ask us directly.
Does PrismX underwrite, price or bind?
No. PrismX prepares risk information. Eligibility, pricing, coverage and claims stay with you. PrismX is not the underwriter or a broker.
Can we use our own application questions?
Yes. Question sets are data, versioned and loaded per wording. Every question and every control in PrismX traces back to a source document.
When do our reviewers see an SME?
Once the SME has submitted, or earlier if the SME chooses to share its progress.
What is still to come in the pilot?
The detailed review page with requests for information, the decision record, incident response, scheduled re-checks and pilot reporting. The review queue and signed packs work today.
Run a six-month pilot with PrismX.
Tell us your market, your SME cyber book and the question set you use today. We will show you PrismX from your reviewers’ seat.