The 70% of underwriting that drains your day — handled.

Clairo reads broker submissions, checks your guidelines, and drafts the broker email. In 30 seconds.

Invite-only · Built for MGAs and regional carriers

30 sec
vs 30 min manually
AI accuracy on real test submissions
>95%
Extraction accuracy on ACORD fields
14
Polaris workflow gaps confirmed
THE PROBLEM

Underwriters spend most of their day on work that isn't underwriting.

Re-typing data from every ACORD PDF
Cross-checking guidelines in a PDF binder
Writing broker emails from scratch
3–5 day quote turnarounds
Inconsistent decisions across underwriters
Losing business to faster competitors

"We spend 2 hours per submission on things that should take 10 minutes. AI could do that in seconds."

— Commercial Underwriter, specialty MGA
HOW IT WORKS

From submission to decision in 30 seconds.

Upload
ACORD forms, loss runs, broker emails
Extract
50+ fields pulled automatically
Check
Scored against your own guidelines
Decide
Approve / Decline with full reasoning chain
Email
Broker response drafted automatically
Full Traceability

Every flag cites the exact rule. Auditable by underwriters and regulators.

Your Own Guidelines

Upload your appetite PDF. We parse it into rules. Your underwriting DNA, automated.

Always Editable

AI proposes. The underwriter decides. Full control at every step.

VALIDATED WITH REAL UNDERWRITERS

Built and tested with the people who do this every day.

"If AI could just handle the paperwork, I could focus on the accounts that actually need my judgment."
— Active commercial underwriter, specialty MGA
AI accuracy on real test submissions
2-hour reviews reduced to under 10 minutes

Built for MGAs. Not for enterprise.

Enterprise InsurTech
  • 12–18 month implementation
  • Six-figure contracts
  • Requires IT department
  • Built for top-25 carriers only
Clairo
  • Self-serve onboarding
  • Upload your guidelines, start today
  • No IT integration required
  • Built for MGAs and regional carriers
OUR VISION

Underwriting expertise is too valuable to be wasted on administrative work.

Why Clairo exists
Commercial underwriters spend 70% of their day on tasks that don't require judgment — re-typing ACORDs, hunting through guideline PDFs, drafting the same broker emails. Clairo absorbs that work so underwriters can focus on the risk.
What we believe
AI should propose, never decide. Every flag must cite a rule. Every decision must stay editable. Underwriting is a craft — software should amplify the craftsman, not replace them.
Where we're going

A future where MGAs and regional carriers move as fast as the top-25 — without enterprise IT, six-figure contracts, or 18-month rollouts. Faster quotes. Consistent decisions. Happier brokers.

400,000 commercial underwriters retire by 2030. Every one of them takes decades of institutional knowledge out the door. Clairo captures that knowledge before it walks out forever.

MEET THE FOUNDER
Francis Choma, founder of Clairo

Francis Choma

Founder of Clairo

A former commercial underwriter and sales operations analyst, Francis has spent his career helping organizations make better decisions through risk analysis, data, and process optimization. He experienced firsthand how underwriting teams spend countless hours reviewing submissions, navigating guidelines, searching for information, and documenting decisions — time that could be spent evaluating risk and serving brokers.

As the first in his family to graduate from college, Francis earned a Bachelor's degree in Economics and membership in Omicron Delta Epsilon, the international economics honor society.

He founded Clairo with a conviction that underwriting expertise is too valuable to be wasted on administrative work.

Ready to see Clairo in action?

We're onboarding a limited number of MGA pilot partners. Request access and we'll be in touch within 24 hours.

No IT integration required. Live in a day.