Commercial insurance underwriting: 5 quick wins with the RocketFin API

Introduction

Commercial insurance underwriting is often slow and complex: document collection, multiple checks, long decision times. The outcome: higher costs, frustrated clients, and suboptimal risk management.

In 2025, insurers and insurtechs are looking to accelerate underwriting without losing control of risk. The RocketFin API automates key steps. Here are 5 quick wins you can implement.

1) Instant pre-scoring of prospects

At quote request, the API provides a real-time score based on banking, accounting and public data.

👉 Result: filter out unqualified prospects, prioritise strong ones instantly.

2) Automatic document checks

RocketFin validates and enriches accounting or legal data.

👉 Benefit: less manual work, fewer errors, faster cycle time.

3) Early detection of risk signals

AI analysis of banking flows and public data highlights weak signals: cash strain, legal disputes, supplier arrears.

👉 Allows fairer pricing and proactive risk prevention.

4) Explainability for underwriters

Every score comes with factor-level explanations and reason codes.

👉 Underwriters know why a case was approved or declined.

5) Ongoing monitoring post-underwriting

Through RocketFin webhooks, insurers are alerted when a client’s profile deteriorates.

👉 Shift from “one-off assessment” to proactive monitoring.

Conclusion

Automating underwriting with RocketFin means:

• Faster decisions,

• Better client experience,

• Improved risk control.

👉 Next step: try RocketFin with our demo and implement your first quick win : https://www.rocketfin.ai/demo