Loss ratios move week to week, pricing is set one segment at a time, and a single catastrophe strains claims, reserving, and reinsurance at once. Aera senses changes across the book; recommends actions that protect loss ratios and grow profitable premium; and executes them in your systems within the authority you set.
The data already exists in your systems. The cost lands in what happens between the data and the action.
Claims patterns shift week to week, while underwriting models and pricing are refreshed on a cycle that cannot keep pace.
A rate change in one line can throw the rest of the book out of balance, and nobody sees it until the results come in.
A catastrophe hits claims, reserving, and reinsurance together, and each team starts assembling its own picture of the loss.
Aera automates the routine decisions, augments the complex ones, and executes both in real time. Insurance teams see the payoff in five areas of the business.
Loss ratio movement is monitored across the active book and compared against expected development, so emerging claims patterns surface with underwriting and pricing adjustments attached, segment by segment.
Price adequacy is modeled across every active product line at once, with the margin impact of each rate action simulated before it goes live, so growth and profitability are balanced across the whole book.
Submission, loss, and exposure data arrive as one picture, and each submission is scored against current loss experience and portfolio appetite, with the accept, decline, or reprice call surfaced with its reasoning.
Claims, reserves, and reinsurance sit in one live view, so total loss is modeled as event data arrives, reinsurance notifications trigger as thresholds are crossed, and every function responds together.
Routine monitoring, pricing, and exception decisions run within defined authority limits, so underwriting, actuarial, and claims teams spend their time on judgment, relationships, and strategy.
Aera was named a Leader in the 2026 Gartner® Magic Quadrant™ for Decision Intelligence Platforms. In the companion Critical Capabilities report, Aera scored among the highest across all four use cases.
Gartner, Magic Quadrant for Decision Intelligence Platforms, David Pidsley, Carlie Idoine, Gareth Herschel, Kevin Quinn, Kjell Carlsson, 26 January 2026. Gartner, Critical Capabilities for Decision Intelligence Platforms, Carlie Idoine, David Pidsley, Kevin Quinn, Gareth Herschel, Kjell Carlsson, 27 January 2026. Gartner does not endorse any vendor, product or service depicted in its research publications, and does not advise technology users to select only those vendors with the highest ratings or other designation. GARTNER and MAGIC QUADRANT are registered trademarks of Gartner, Inc. and/or its affiliates.
Prepackaged decision logic your teams can run on day one, tuned to shifting loss ratios, whole-book pricing, submission risk, and catastrophe response.
Recommends underwriting and pricing adjustments by segment before deterioration sets in, and executes corrective actions within defined authority thresholds.
Recommends rate changes by segment, channel, and geography with the rationale attached, and executes pricing updates within authority parameters.
Recommends whether to accept, decline, or reprice each submission with full reasoning, and executes underwriting actions within defined thresholds.
Recommends a coordinated response across claims, reserving, and reinsurance from one picture, and executes reserve adjustments and reinsurance notifications within authority limits.
How decision intelligence handles shifting loss ratios, whole-book pricing, submission risk, and catastrophe response, with four Skills built for insurance.
What changes when underwriting, pricing, claims, and reserving decisions stop running in sequence and start running together.
Why Gartner placed Aera among the Leaders, and what the recognition means for enterprise decision-making.
