Federato

Federato is a risk portfolio platform that steers underwriting appetite in real time, aligning every submission with portfolio strategy.

Overview

Federato approaches underwriting as a portfolio problem. Its platform ingests submission, exposure and market data, then uses AI to show underwriters and leaders how each risk fits portfolio goals — where to lean in, where to hold back, and how accumulation is building across classes and geographies.

The workflow angle is important: rather than another dashboard, Federato embeds guidance into the submission queue so day-to-day decisions track strategy. Carriers and MGAs use it to improve loss ratios and growth simultaneously, replacing periodic portfolio reviews with continuous steering.

Portfolio strategy usually lives in quarterly reviews, while underwriting decisions happen hundreds of times a day — and the two drift apart. Federato closes that gap by embedding portfolio intelligence into the submission workflow: each risk is evaluated against appetite, pricing guidance and accumulation exposure before an underwriter commits. Leaders see how the book is actually building, not just how it looked at last review, and can steer growth or pull back in real time. For MGAs and carriers chasing growth without loss-ratio deterioration, that continuous steering is the operating model they need. Implementation involves connecting intake and policy systems, but the payoff is alignment between what the strategy says and what the book does.

When portfolio goals live inside the workflow instead of a slide deck, appetite discipline stops depending on individual memory, and leadership can see the book building toward strategy in real time rather than discovering drift at quarter end.

The winners in this category combine domain data depth with workflow integration, improving decision quality while producing the documentation trail that risk, compliance and audit functions require.

Key Features

• Real-time portfolio steering embedded in underwriting workflows
• AI-driven appetite and pricing guidance per submission
• Accumulation and exposure monitoring across the book
• Scenario analysis for portfolio strategy shifts
• Integration with policy admin and submission intake
• Performance analytics by class, region and underwriter

Pricing

Federato is sold through enterprise agreements scoped to lines of business and users.

Who Is It For

P&C carriers and MGAs that want underwriting decisions to continuously reflect portfolio strategy.

FAQ

Is Federato free to use?

No free tier; engagements start with scoped portfolio pilots.

Does Federato offer an API?

Yes — Federato integrates with core insurance systems through APIs and connectors.

How does Federato compare to alternatives?

Compared with portfolio analytics tools that review the book quarterly, Federato pushes guidance into daily underwriting, requiring more workflow change to adopt.