Own Underwriting AI.

What you'd own.

Every artifact below transfers to your accounts on day one. The whole engine.

• ●Underwriting AI engine trained on proprietary P&C loss data.
• ●Multi-tenant SaaS platform with API for carrier system integration.
• ●LinkedIn outbound playbook and warm pipeline of MGA manager prospects.
• ●ECOA compliance and explainability framework for AI risk decisions.
• ●12-month financial model and pricing tiers for SaaS billing.
• ●Founder persona and established customer reference network in insurance.

What Roll Digital builds for you.

Custom scope to take Underwriting AI from MVP shell to operating business.

• ▸Production FastAPI backend with Postgres database for multi-tenant underwriting engine.
• ▸React dashboard for policy intake forms, risk scoring, and decision explanation.
• ▸SOC2 Type II certification audit and on-premises deployment option setup.
• ▸REST API with carrier system integrations and standard data format documentation.
• ▸Stripe billing dashboard with three pricing tiers and self-service onboarding.
• ▸Explainability module that generates PDF reports justifying each underwriting decision.
• ▸Customer success portal with policy audit logs and compliance reporting.

Why this could work.

Underwriting is a massive bottleneck for regional carriers. A 4,000-customer TAM at $25k annual spend per account creates $100M TAM. The GTM is clear: LinkedIn outbound to MGA underwriting managers with product demos closes 2-3 customers monthly at $1,100 recurring. Sales cycles are long, but predictable in a regulated industry where your buyers are captive and motivated to reduce manual work.

What you'd risk.

Regulatory liability is material: ECOA and state insurance AI regulations require you to justify every risk decision, and carriers will demand indemnification clauses for their own compliance exposure. Explainability engineering will consume dev resources. Data transfer is a bottleneck without SOC2 Type II and on-premises options. Sales cycles stretch 6-12 months, meaning most year-one revenue arrives in month 11-12, leaving you negative cash through month 6. The 9% success probability reflects these headwinds.

Who this fits.

An operator with existing relationships in the carrier or MGA space, or deep insurance domain knowledge. Must be comfortable navigating regulatory liability and compliance-heavy sales cycles. Works well for someone in their second or third B2B SaaS round who can tolerate 6-12 month sales pipelines and has existing network among regional underwriting teams.

Timeline.

From contract signing to operating business.

1. Day 1
   Code repository, documentation, GTM materials, customer references handed over.
2. Week 1
   Set up production environment, configure Stripe billing, validate multi-tenant authentication.
3. Week 3
   Run first customer pilot, validate explainability reports with MGA underwriter.
4. Week 6
   Begin SOC2 Type II audit, test on-premises deployment option for data.
5. Day 90
   Production launch, first customer live, LinkedIn outbound campaign begins, sales pipeline active.

Pricing.

Three ways in, depending on how much you want to build yourself.