Insurance Times Awards 2026: Send on being the layer that ’makes everything else work'

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Andy Moss, general manager of underwriting at Duck Creek, explains his firm’s entry to the Underwriting and Distribution Technology Partner category

Why did you put yourselves forward for the category?

Andy Moss

Andy Moss, general manager of underwriting at Duck Creek

This category reflects precisely the challenge Send was built to address. Commercial and specialty underwriters are hired for their judgement, yet much of their day is lost to email chains, spreadsheets and rekeying. Send gives them one place to run the whole journey from submission to bind, across direct, delegated and reinsurance business.

Rating tools, data and artificial intelligence (AI) are built into the workflow and the decision stays with the underwriter. Insurers – writing direct, delegated and reinsurance – have now written over $26bn (£20bn) of GWP through Send across more than 40 lines. That’s what we think a technology partner should be, not another tool to bolt on, but the layer that makes everything else work together.

What do you think makes your entry stand out and why should you win the award?

Most underwriting technology fixes one step. Send runs the whole journey as an orchestration engine. Data, appetite rules, AI, rating engines and policy systems work as one process, with human oversight and a full audit trail throughout. And it’s delivering now to over 20 customers in multiple geographies. One fleet insurer cut submission-to-quote time from three weeks to three days.

Appetite rules decline around 2,000 out-of-appetite submissions a month, each in under a minute. A single governed workflow oversees 160 delegated contracts across 116 MGAs with 100% audit traceability. Argenta runs 23 products across four classes on one workbench. This is orchestration working at scale, in live portfolios, today.

What would winning this award mean to you and your firm?

Most of all, it would recognise our customers. Every number in our entry belongs to an underwriting team that was willing to change how it works and this award would reward their ambition as much as our technology.

For our people, it would recognise years spent working alongside underwriters to build something that removes friction without removing judgement. And it would send the market a timely message – amid a lot of noise about AI in insurance, connected and governed AI-enabled underwriting is already delivering measurable results. Not in pilots, but in production, across more than $26bn (£20bn) of GWP.