INSTANDA has launched INSTANDA MAX, a new ‘underwriter-first’ capability designed to help commercial and non-admitted insurers underwrite tens of thousands of complex assets within a single policy in real time.
The new solution aims to address a longstanding challenge in commercial insurance, where high asset volumes and complexity often force insurers to rely on aggregated data and broad assumptions rather than granular analysis.
INSTANDA MAX allows insurers to manage underwriting at both the portfolio and individual asset level, enabling more precise pricing, improved risk assessment and faster responses during quoting, mid-term adjustments (MTAs) and renewals.
According to the company, the platform fundamentally changes how insurers ingest, categorise and act on large-scale underwriting data, enabling greater accuracy without sacrificing speed.
Tim Hardcastle, CEO and co-founder of INSTANDA, said, “Commercial line insurers have traditionally been forced to underwrite large, complex asset classes using aggregated data and broad assumptions, because the operational burden of doing otherwise was simply too high.
“INSTANDA MAX removes that constraint. For the first time, commercial line insurers can process bulk policies containing thousands of assets while still applying granular, measurable data to each individual item, supported by strong data governance, human oversight, ecosystem integration and frictionless operational AI.”
Traditional aggregate-level underwriting can lead to pricing inaccuracies and delayed adjustments, with many changes only addressed at renewal. By enabling insurers to add, remove or update assets in real time, INSTANDA MAX keeps pricing and risk evaluation aligned with the current portfolio.
Hardcastle added, “INSTANDA MAX gives insurers the ability to execute at true commercial scale, within a single policy, with a level of speed, precision and control that has not previously been achievable.
“This fundamentally changes the economics and accuracy of underwriting for complex assets. It is INSTANDA’s design philosophy at its best, simplifying the complex and empowering insurers to write higher quality and volume of risks without increasing OpEx.”
The solution builds on INSTANDA’s existing no-code policy administration platform and introduces new AI-assisted capabilities to support underwriting teams.
These include a quote and policy query assistant and a wording assistant for clauses and endorsements, designed to provide detailed insights into complex policies and improve operational efficiency.
Additional AI-powered features are expected to be introduced later in 2026, as INSTANDA continues to develop the platform’s capabilities.
The company said the underwriter-centric design of INSTANDA MAX is reflected in its patent-pending status, highlighting its focus on enabling insurers to handle increasingly complex commercial risks at scale.
