Cytora has introduced Unified Risk Reasoning, an AI-powered tool designed to fully automate risk data workflows for insurers.
This new release enhances Cytora’s digital risk processing platform, allowing insurance professionals to validate, refine and finalise risk data without manual input.
The tool applies advanced reasoning capabilities to streamline how risk data is handled pre-decision. It tackles a common challenge in the industry—managing and confirming risk fields from multiple sources—and replaces manual tasks with automated, intelligent decisioning.
At the core of this release is agentic AI using Chain of Thought logic. The platform analyses data from submissions, external sources and web research to determine the best combination for finalising risk decisions. This not only improves efficiency but also enables insurers to unlock true straight-through processing.
Cytora vice president of product Sam Lewis said, “Unified Risk Reasoning is a major breakthrough. It cracks one of the biggest challenges in the true automation of risk workflows – finding, choosing and finalizing the ultimate data required to give a complete picture of the risk. This has always required the hard work of a seasoned professional. Now, by leveraging the very latest capabilities of AI, we have developed a system that accurately executes this expertise. As a result, insurers, brokers and reinsurers will see massive efficiency gains and cost reductions.”
The platform offers multi-source reasoning, a no-code data integration library, automated enrichment chains, and web research automation.
This launch follows Cytora’s earlier release of Concierge, a tool that automates intake requests across business lines. Together, these updates reflect Cytora’s goal to modernise commercial insurance with scalable AI solutions.
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