The Platform
ARLO by IVY
AI-driven insurance infrastructure for rapid product creation, automated underwriting and embedded distribution. Built for specialty. Built for scale.
Why ARLO
Insurance distribution is still analog
SME and specialty lines remain email-driven with fragmented, manual processes. Carriers struggle to test products digitally. Legacy PAS integrations are expensive and slow to deploy. ARLO changes that.
Digital Product Factory
A modular platform for rapid product creation, testing and deployment without legacy system constraints.
AI Underwriting Engine
Proprietary AI architecture that automates risk assessment, pricing and appetite management in real time.
Carrier Enablement
Infrastructure for carriers to deploy, scale and govern their own products through IVY's digital stack.
Technology
AI-driven insurance infrastructure
ARLO is a full-stack underwriting platform built on event-driven microservices, proprietary pricing models and multi-tenant architecture with complete data isolation.
Submission Ingestion
Email, API and portal intake with intelligent data extraction.
Data Enrichment
Automated validation and third-party enrichment at point of entry.
AI Underwriting Rules
Automated risk assessment with configurable carrier-level controls.
Pricing Engine
Proprietary pricing algorithms with real-time aggregate controls.
Event-Driven Microservices
Modular, scalable architecture built for high-volume processing.
Multi-Tenant Architecture
Carrier-isolated environments with full data segregation.
Speed
Submission to quote in under 180 seconds
Zero human intervention. ARLO processes submissions through geocoding, catastrophe modelling, pricing and appetite controls automatically.
Differentiation
What makes ARLO different
Carrier Data Isolation
Guaranteed. No shared portfolio exposure leakage between carrier partners.
H3 Hexagonal Pricing
Granular geospatial pricing integration at hexagon, state and portfolio level.
Dynamic Appetite Control
Real-time AAL pricing inputs with automated aggregate management.
Full Transparency
No cross-carrier data visibility. Each carrier owns their own risk data.
Real-Time Pricing
Proprietary pricing engine with micro to macro controls per product.
Embedded BDX Reporting
Automated bordereau generation and structured data output from day one.
Distribution
Intelligent distribution architecture
Three channels, one platform. Brokers access ARLO through whichever route fits their workflow.
Broker Portal
Single point of access for multi-line specialty submissions. Structured data capture, instant quoting and clean documentation.
API Integration
RESTful APIs enabling seamless embedding into existing broker management systems and third-party platforms.
Email Submission
AI-powered email ingestion that extracts, validates and enriches submission data from unstructured broker emails.
For Brokers
Broker experience, simplified
Single Access Point
One digital platform for multiple specialty products.
Single Submission
Multiple products from a single data entry. No re-keying.
Fast Quotes
Rapid quote turnaround powered by AI-driven underwriting.
Structured Docs
Clean, structured documentation every time.
Multi-Line Coverage
Access property, cyber and political violence lines in one place.
For Carriers
Why carriers partner with IVY
Digitise legacy manual books without rebuilding existing systems
Launch test products quickly with minimal fixed cost commitment
Avoid expensive PAS rebuild and integration costs
Control underwriting rules and appetite parameters directly
Retain brand ownership and carrier identity throughout
Scale without hiring additional underwriting teams
Ease
To test and to adapt
Days
Not months to deploy
Ready to get started?
Whether you are a broker looking for faster specialty access or a carrier ready to digitise your products, ARLO is built for you.