VIPR Solutions and WCL, a Zywave organisation, have launched an integrated digital workflow for non-bureau delegated underwriting, aiming to eliminate one of the insurance market’s most persistent operational bottlenecks.
The partnership connects broker submissions directly with downstream bordereaux processing, creating what the companies describe as the market’s first complete end-to-end digital workflow for non-bureau delegated underwriting.
The collaboration combines WCL’s front-end delegated underwriting capabilities with VIPR’s AI-enabled bordereaux processing platform, allowing structured data and source documents to flow seamlessly between the two systems without manual intervention.
Non-bureau delegated underwriting has traditionally relied on fragmented workflows, with bordereaux data often dropping out of digital processes after initial submission and requiring manual re-entry into downstream systems. The new integration is designed to remove that gap and create a single connected workflow from submission through to reporting and analysis.
Under the new process, WCL captures broker submissions and associated bordereaux before passing the data directly into VIPR’s platform. VIPR then applies AI-powered validation, reconciliation and reporting capabilities to generate clean, decision-ready data for carriers, MGAs and reinsurers.
The companies said the integrated workflow improves data quality by identifying issues at the point of submission rather than weeks later, while also providing a single audit trail to support reporting, oversight and portfolio management.
The platform is also intended to accelerate onboarding for new delegated authority arrangements and reduce operational risks associated with manual data handling.
Marc Jackson, head of commercial at WCL, said: “The most frequent question that WCL and VIPR customers ask is often the same one: How can we easily access risk, premium and claims data for a delegated authority agreement at both the individual transaction and master contract level to help us better price, reserve, monitor and report on that book of business? Until now, the honest answer has been a workaround. But with this solution – one workflow, two platforms – the non-bureau landscape has changed.”
Tony Russell, chief revenue officer at VIPR Solutions, said: “Non-bureau Delegated Authority underwriting still runs on a broken process. Brokers send placement messages with bordereaux attached. Front-end systems present a top-level view of the risk. From that point on, the data drops out of the digital workflow and is loaded into downstream systems by hand. Carriers, MGAs and reinsurers tolerate it because no single provider has closed the gap. The VIPR/WCL solution does exactly that.”
The launch comes as insurers, MGAs and reinsurers increasingly seek to automate delegated authority operations, improve data quality and gain greater visibility into underwriting performance across complex portfolios.
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