phidea

underwriting risk scoring

Ranked comparison

5 tools covered · methodology
  1. #1 · ai-native · underwriting-workstation

    Gradient AI

    www.gradientai.com
    11/20
    55%

    AI-native insurance analytics SaaS for US workers' compensation, group health (including medical stop-loss), and P&C. Sells risk-scoring models and claims-prediction products built on a proprietary data lake of tens of millions of policies and claims; deployed at The Builders Group, AmFed, Allied National, BTIS, Signal Mutual, Skyward Specialty, and others. Boston HQ, spun out of Milliman in 2018.

    traction
    3/5
    maturity
    3/5
    coverage
    3/5
    recognition
    2/5
  2. #2 · ai-native · underwriting-workstation

    Federato

    www.federato.ai
    10/20
    50%

    AI-native RiskOps platform unifying submission intake, underwriting decisioning, and portfolio management on one system. Pitched to carriers and MGAs as an alternative to stitching spreadsheets, PAS, and pricing engines.

    traction
    2/5
    maturity
    2/5
    coverage
    2/5
    recognition
    4/5
  3. #3 · ai-native · data-platform

    Planck

    www.planckdata.com
    10/20
    50%

    AI-native data platform for commercial insurance underwriting. From a business name and address, Planck generates risk-relevant signals drawn from online images, text, public records, and reviews. Acquired by Applied Systems in a $300M deal.

    traction
    2/5
    maturity
    4/5
    coverage
    2/5
    recognition
    2/5
  4. #4 · ai-native · underwriting-workstation

    Cytora

    www.cytora.com
    10/20
    50%

    Risk digitisation and automation platform for commercial insurance. Gives brokers, insurers, and reinsurers programmatic control over how they receive, digitise, and decision inbound risk from trading partners. Acquired by Applied Systems in 2025.

    traction
    2/5
    maturity
    4/5
    coverage
    2/5
    recognition
    2/5
  5. #5 · ai-native · underwriting-workstation

    Sixfold

    www.sixfold.ai
    8/20
    40%

    AI brain for commercial underwriting. Automates and augments submission review so underwriters spend time on winnable risks; deployed in production at AXIS Capital, Zurich, Generali, Mosaic, and Skyward Specialty. $30M Series B (Jan 2026) with Guidewire and Salesforce Ventures participating.

    traction
    2/5
    maturity
    1/5
    coverage
    3/5
    recognition
    2/5