InsureMO and Appian unveil unified underwriting platform

September 16, 2025

InsureMO has partnered with Appian, a software company specialising in process automation and AI, to launch a unified underwriting platform for the United States Excess & Surplus (E&S) specialty insurance market.

The partnership is designed to tackle inefficiencies in the E&S sector, which frequently contends with manual processes and IT bottlenecks, according to InsurTech Insights.

By integrating InsureMO’s enterprise-grade Excel Rater with Appian’s AI-powered Connected Underwriting Workbench, the solution aims to speed up product launches, enable continuous pricing updates, and support the management of complex non-standard risks.

InsureMO delivers middleware technology that enables insurers, brokers, and InsurTechs to digitise and connect products and services across distribution channels.

Its Excel Rater directly integrates with the Excel workbooks that underwriting teams already use, eliminating file conversions and repetitive configurations. This allows underwriters and product managers to update rating tables and formulas instantly, boosting time to market and supporting high-volume processing.

Appian provides a low-code automation platform that combines AI, data integration, and process orchestration. Its Connected Underwriting Workbench complements InsureMO’s technology by offering a single interface to manage the full submission lifecycle. The workbench enhances efficiency by unifying data from multiple sources, streamlining workflows with AI-driven automation, and maintaining compliance and auditability. This enables underwriters to concentrate on high-value decision-making.

The joint solution is now available to insurers in the E&S market. It offers rapid deployment and seamless integration with existing systems, helping carriers innovate at scale and remain competitive in a fast-evolving industry landscape.

Rajat Sharma, InsureMO chief revenue officer, said, “The collaboration empowers insurers to react quickly to emerging risks and launch new products with confidence.”

Shyam Somani, Appian global head of insurance solutions, said, “The integrated system reduces time to quote, improves profitability, and elevates the customer experience.”