SIA — Risk Data Enrichment Engine
Enriches submissions with third‑party data to create complete risk context before underwriting decisions begin.
The problem SIA solves
Underwriting quality degrades when risk context is incomplete, scattered, or outdated at decision time.
Missing risk context
Broker-provided information often lacks key exposure and control details needed to assess risk.
Manual data chase
Underwriters spend time searching third‑party sources and reconciling facts before review can begin.
Unverified inputs
When enrichment is ad hoc, teams see different facts—creating avoidable decision variance.
Poor data quality costs organizations $12.9M per year on average
Sources: Accenture Underwriting Rewritten
Data enrichment adoption is expected to rise from 17% to 70% in three years
Sources: Accenture Underwriting Rewritten
What changes in
day-to-day underwriting
SIA brings external risk context forward—so decisions start from evidence, not detective work.
Complete risk context early
Third‑party signals are assembled upfront, reducing blind spots at initial review.
Less back-and-forth
Fewer cycles to chase missing information and validate basic risk attributes.
More consistent decisions
Teams evaluate risks against a more comparable, enriched baseline across regions and teams.
What SIA is designed
to measure
SIA makes enrichment coverage and freshness visible—so you can govern inputs, not guess.
Where SIA fits
SIA sits between submission intake and decision governance—augmenting broker-provided submissions with third‑party context before appetite and guidance are applied.
Enrichment coverage by attribute (what’s present vs. missing)
Data recency and refresh status for key signals
Source provenance (which third‑party sources contributed)
Conflicts across sources surfaced for review
You can’t govern decisions made on incomplete evidence. SIA brings third‑party context forward before underwriting begins.
Make enrichment a standard input—so governance is applied to complete, comparable risk context.
Evaluate SIA in your
intake flow
See how SIA fits into your intake and underwriting process.
Explore the Persisto suite
Underwriting intent is often documented—but rarely enforced consistently at decision time.
