No-Code Rule Engine Delphi-1.0 Automated GatingCUO Authority: Conner Kupferberg (#4501603)
Underwriting Rules & Appetite Builder
Define custom conditional underwriting rules, automated clearance gates, and rate surcharge multipliers without code.
Live Portfolio Backtest Simulation Results (12 Sample Commercial Risks)
Auto-Approved Rate
75.0%
Direct quote & bind
CUO Referral Rate
16.7%
Requires underwriter review
Auto-Declined Rate
8.3%
Out-of-appetite hard stops
Projected Book GWP
$248,500
Gross annual written premium
Weighted Mean ROL
0.468%
Rate on total line size
Configured Underwriting Rules (5 Rules Total)
Drag to reorder rule priority hierarchy#1 RULE-WF-001Peril: wildfireROUTE TO CUO REFERRAL
Extreme WUI Canopy & Defensible Space Gating
Route risks to CUO if canopy density exceeds 50% with less than 50ft defensible space.
CONDITION:canopy_density_pct>=50TRIGGER:ROUTE TO CUO REFERRAL
#2 RULE-TIV-002Peril: allROUTE TO CUO REFERRAL
Large Commercial Line Size Authority Limit
Mandatory CUO review for single risk TIV exceeding $10,000,000 USD.
CONDITION:tiv_usd>$10.0MTRIGGER:ROUTE TO CUO REFERRAL
#3 RULE-WF-003Peril: wildfireAPPLY SURCHARGE 15
Steep Foothill Slope Surcharge Loading
Apply +15% spatial rate surcharge for properties on slopes >= 20° in wildland zones.
CONDITION:slope_deg>=20TRIGGER:APPLY SURCHARGE 15
#4 RULE-SOLV-004Peril: allROUTE TO CUO REFERRAL
5-Mile Radial Treaty Capacity Gating
Halt automated binding and require CUO sign-off when radial cluster utilization exceeds 85%.
CONDITION:radial_pml_utilization_pct>=85TRIGGER:ROUTE TO CUO REFERRAL
#5 RULE-WF-005Peril: wildfireDECLINE RISK
Unmitigated Extreme Hazard Auto-Decline
Decline risk if composite hazard score is 90+ and defensible space < 30ft.
CONDITION:hazard_score>=90TRIGGER:DECLINE RISK