Sharpr for Insurance

Pricing accuracy, underwriting judgment, claims handling, distribution strategy, emerging risk. All of it rests on what your organization knows and how fast someone can act on it. The carriers that consistently outperform are the ones whose people can find the relevant analysis before the decision closes.

We built Sharpr for that gap. One secure hub for research, competitive intelligence, regulatory material, and internal analysis, designed for knowledge management rather than adapted from a document store. It handles the carrier reality: actuarial memos, consultant decks, syndicated reports, state bulletins, claims studies, broker feedback, and recorded customer research in the same searchable place.

Where insurers lose time and money

Emerging risk shows up before the knowledge is organized. Climate exposure, cyber liability, autonomous vehicles, social inflation, litigation funding. Every one of these moved from curiosity to material exposure faster than most carriers' knowledge systems adapted. The research exists inside your company. It is spread across underwriting, actuarial, claims, and strategy with no shared index.

Competitive intelligence is somebody's hobby. One person in product tracks competitor filings, coverage changes, and appetite shifts. It lives in their spreadsheet and their head. Then they get promoted.

Distribution feedback evaporates on contact. Independent agents and brokers tell your field team exactly why they are placing business elsewhere. That intelligence arrives through trip reports, advisory councils, and conversations, then disappears into individual notes.

Claims learning stays in claims. Patterns obvious to handlers, on fraud, on severity drivers, on repair networks, rarely reach the underwriters and actuaries who would price differently if they saw them.

Divisions buy the same study. Personal auto, homeowners, commercial, and specialty all fund overlapping customer research because none of them can see the others' library.

Regulatory context takes a day to assemble. Multi-state operations need filing history, bulletin tracking, and model law developments on demand. Most carriers retrieve them by asking a colleague.

How this works in a carrier

One hub, every format, organized on arrival

We ingest content from wherever it comes from and automatically process, categorize, and connect it, producing summaries, tags, and links between related material. Internal studies, vendor deliverables, syndicated research, claims analyses, agent surveys, regulatory documents, recorded interviews.

External sources come in through Sharp It, our browser bookmarklet. One click and a web page is in your hub with the source preserved. Carriers use it relentlessly for competitor announcements, state bulletins, trade press, litigation coverage, catastrophe reporting, and InsurTech funding news. Competitive tracking stops depending on one person's diligence.

Ask the question, get the answer

Our GenAI search takes natural language. An underwriter can ask what the company knows about wildfire exposure modeling in a specific region. A product manager can ask what agents said about the last endorsement change. A claims leader can ask what research exists on repair cycle times and customer satisfaction.

Results come back with AI summaries so the person can judge relevance in seconds instead of opening a dozen files. It shows up where it counts: a pricing committee, a reinsurance negotiation, a large account renewal, a regulatory response with a deadline.

Push what matters at people who will not log in

Field sales, claims managers, regional executives, underwriting leadership. None of them are going to browse. Our briefs, newsletters, and alerts go to them, tailored by role.

Common setups:

• A weekly competitive brief covering filings, product changes, and appetite shifts captured during the week.
• Alerts to compliance and government affairs when new content lands on a watched topic or state.
• A monthly distribution newsletter summarizing broker and agent feedback themes.
• An emerging risk brief to underwriting leadership on watched exposures.
• A quarterly customer insight digest for the executive committee.

Connect the functions that should already be talking

Because everything sits in one environment with role-appropriate access, the claims pattern reaches the actuary, the agent complaint reaches the product manager, and the customer research reaches marketing without anyone scheduling a meeting to make it happen. Carriers tell us this is the largest single source of value, and it is the one that is hardest to see on a feature list.

Analytics that make the research budget defensible

We report on what gets used, by whom, how often. Carriers apply it to syndicated subscription renewals, vendor performance reviews, and research prioritization. It also exposes gaps, because a topic people search for repeatedly with thin content behind it tells you exactly what to commission next.

Four situations you will recognize

Entering a new commercial segment. The team opens a hub for the project: market sizing, competitor appetite analysis captured through Sharp It, loss trend research, broker interviews, regulatory review. The go or no-go paper comes from one evidence base, and when the segment gets revisited in two years, nothing has to be rebuilt.

Catastrophe response. After a major event you need prior lessons fast. What worked in claims deployment last time, what customer research showed about communication preferences, what competitors did. A search returns it in minutes. This used to take days of phone calls.

Recovering an agency channel. Premium in the independent channel drifts down. Instead of commissioning new work, the distribution team searches and finds an agent satisfaction survey, broker interviews, and a competitor service comparison that all point at quoting friction. The fix came from research you already paid for.

Onboarding underwriters. A dedicated hub carries reference material, historical rationale for appetite decisions, loss studies, and recorded training. Time to productivity shortens and your senior underwriters stop answering the same question five times.

Brokers, MGAs, and program administrators

The same problems show up on the distribution side, sometimes sharper.

Brokers live on market knowledge: which carriers are writing what, where appetite is shifting, how rates move by class and geography, and which markets service claims well. That knowledge sits with individual producers. When one leaves, their book transfers and their market intelligence does not.

A shared hub changes that math. Carrier appetite guides, market bulletins, submission feedback, and renewal analysis become a house asset. Newer producers get access to knowledge that would otherwise take a decade to accumulate. Practice leaders push a weekly market brief instead of relying on hallway conversation.

MGAs and program administrators use it the same way for program performance, carrier relationships, and the underwriting guidelines and rationale behind each program, which matters most when a program is being remarketed or a carrier partner changes.

What we are not

We are not a policy administration system, a rating engine, or a claims platform. We do not touch your policy data and we are not trying to.

We are also not a general file store. If all you need is somewhere to put documents, SharePoint exists and you are probably already paying for it. We are for the case where documents need to be found, understood, and delivered.

Security and your vendor review

You will run a thorough third party assessment. The short version:

GDPR compliant, ISO 27001 compliant, SOC 2 aligned cloud infrastructure, enterprise DPAs available.

SSO with ADFS, Okta, or SAML 2.0, SSO with Google Workspace, custom SSO through our API, configurable password policies. SCIM 2.0 provisioning with Okta, Azure AD and others. Role-based access across hubs and individual content. Bulk import, lifecycle, and offboarding workflows.

AES-256 at rest, TLS 1.3 in transit, logical tenant isolation, encrypted backups, protected key material, DDoS protection, redundant servers, annual disaster recovery testing, and 24/7 monitoring with incident response.

Multi-hub architecture also fits carrier group structures, including separately regulated entities that need their own environments with controlled sharing between them.

Adoption, which is where most platforms fail

Insurance organizations have long memories of systems that were launched, mandated, and quietly abandoned. Our push and pull design is the answer to that specific history. Analysts, researchers, and product teams use search because it saves them real time. Executives and field staff receive briefs and alerts and change nothing about how they work.

Implementation includes a dedicated customer experience manager and training built around your actual roles rather than one generic session.

Bringing your library across

SharePoint, a legacy insights portal, Box, network drives, or all of the above. We migrate it free of charge, including content, users, permissions, and archives, and organize it as it arrives.

Where carriers usually start

Nobody deploys this everywhere at once, and we would talk you out of it if you tried. The common entry points:

Competitive intelligence. The most visible pain and the fastest thing to demonstrate. Sharp It makes the improvement obvious in the first week, and a weekly brief reaching product and executives builds internal demand for everything else.

One line of business. Personal lines or a specialty division stands up its own hub and proves the model. Because we support multiple hubs, the next division expands rather than rebuilds.

The insights or market research team. If you have one, they are already fielding the retrieval requests and will feel the difference immediately.

Underwriting onboarding. Small scope, measurable outcome, and it addresses the retirement problem that keeps chief underwriting officers awake.

Pricing is user-based with enterprise options, so the footprint grows as each group is ready instead of requiring one enterprise commitment before anything is proven.

A practical first step

Take a decision your team is working on right now, a rate action, a product change, a new segment, and ask what the organization already knows about it. Request a demo and use that as the test.