How Attune scores a commercial risk in real time
A look inside the engine that reads a BOP application, weighs the risk signals, and returns a quote before the coffee gets cold.
What happens when you submit an application
Application data enters the scoring engine
The broker submits the SMB commercial application through the Attune portal or via REST API. Attune accepts standard ACORD fields and supplemental application data. No custom form rebuild required.
The data is parsed and normalized. Business classification, revenue, years in operation, prior claims history, and location are extracted and validated before scoring begins.
Risk signals are weighted in real time
Attune's scoring model reads the application data and weighs it against risk signal patterns for the specific business class. Business type carries the most weight, followed by loss history, revenue range, and location risk profile.
Carrier appetite signals are checked simultaneously. Before a quote is generated, the engine identifies which carriers are likely to quote the risk at the stated terms, so wasted submissions are caught before they leave the desk.
Bound quote returned with decision rationale
A risk score, matched carriers, and an indicative premium range come back in minutes. The decision summary explains the primary factors driving the pricing, in plain language the broker can use with the client.
The broker can export the quote report as a PDF, share via the portal link, or pull it through the API into their existing management system. All placement is conducted by the licensed broker using Attune's output as a decision-support tool.
What signals inform the risk score
Attune processes the data a commercial insurance broker already has at the time of application. No additional personal data collection beyond what is on the ACORD form.
Business type and classification
SIC code and business description mapped to risk class. Contractor vs. retail vs. professional services carry materially different risk profiles.
Gross revenue range
Revenue is a primary exposure driver for BOP and GL. Attune uses banded ranges from the application, not exact figures.
Years in operation
Business tenure correlates with stability. Startups under two years carry a different loss pattern than established operators.
Prior claims history
Frequency and severity of prior losses in the application window. Attune flags adverse patterns before a submission is sent.
Location risk profile
State, ZIP, and flood/CAT zone data. Regional risk factors affect BOP and commercial auto pricing materially.
Carrier appetite signals
Carrier appetite rules are checked before the quote is generated. Attune surfaces which carriers are positioned to write the risk at the stated terms.
Connect to your existing workflow
REST API or portal, no rip-and-replace
Attune connects to your existing submission workflow via REST API or through the broker portal for manual uploads. The API is JSON-native and documented with standard request and response shapes.
Management system integrations for Applied Epic and Vertafore are on the roadmap. Early-access partners can request a direct API walkthrough.
All scoring calls are stateless. You send an application, you get a scored result. No persistent session required.
Request API Docs// POST /v1/score
{
"application_id": "app_8824f1",
"policy_type": "bop",
"business": {
"sic_code": "1731",
"gross_revenue": 620000,
"years_in_operation": 6,
"state": "NJ",
"prior_claims_5yr": 0
}
}
// 200 Response
{
"risk_score": 72,
"label": "Moderate: Quotable",
"carriers_matched": 3,
"annual_premium_range": "$4,600-$5,200",
"decision_ms": 318
}See the scoring engine on a live submission.
Request a walkthrough with the Attune team and see real-time scoring on a BOP application from your book.