Excess and Surplus (E&S) insurance has never been about playing it safe. It’s about taking on risks that don’t fit the standard mold—policies that are too complex, too unique, or too specialized for the admitted market. But while E&S thrives on flexibility, that same trait creates operational chaos behind the scenes. 

For insurers in this space, the challenge isn’t just writing unusual policies. It’s managing them—efficiently, accurately, and at scale. 

When Every Policy Is the Exception, Not the Rule 

Unlike traditional lines of business that rely on predictable, standardized processes, E&S insurance operates in a space of continuous variation. From bespoke policies for high-risk industries to coverage for newly emerging risks, there’s rarely a “typical” submission. 

This unpredictability makes automation incredibly difficult. Static workflows, hard-coded systems, and disconnected data pipelines can’t keep up with a world where the rules are always changing. As a result, many carriers and MGAs are stuck relying on manual processes, spreadsheets, and multiple point solutions just to get a quote out the door. 

It’s not just inefficient—it’s unsustainable. 

Traditional Systems Aren’t Built for This 

Legacy systems—many of which were designed for personal lines or standard commercial coverage—simply weren’t built with E&S in mind. These systems often: 

• Struggle to accommodate non-admitted policies. 

• Require significant developer time to modify rating logic. 

• Can’t quickly adapt to new regulatory requirements across states. 

• Force underwriting teams to toggle between systems to complete a single workflow. 

The result? Long quote-to-bind cycles, high error rates, compliance risks, and frustrated brokers waiting for answers. And in a market that’s growing rapidly—with demand for E&S solutions surging in the face of rising risks—that friction becomes a competitive disadvantage. 

The Answer: A Platform Built for High Variability 

Solving the E&S challenge means embracing the complexity—not avoiding it. Decisions is a low-code process automation platform built specifically to handle high-variability insurance workflows. Whether you’re dealing with a one-off submission from a broker or trying to automate a niche underwriting workflow, Decisions gives you the flexibility to build exactly what you need—without writing code or waiting on IT. 

It empowers insurers to: 

• Automate complex workflows for broker intake, underwriting, approvals, and endorsements. 

• Easily update rating logic for custom exposures. 

• Adapt instantly to new regulatory requirements. 

• Connect seamlessly to legacy systems, broker portals, CRMs, and policy admin tools. 

• Eliminate manual handoffs, reducing rework and cycle times. 

Instead of forcing E&S into rigid systems, Decisions brings the agility the market demands—with the controls and governance insurers need. 

Why Business Users (Not Just IT) Should Drive the Change 

One of the biggest barriers to innovation in E&S insurance is the reliance on technical teams to implement changes. With Decisions’ visual, low-code design environment, business users—those closest to the process—can build and refine workflows themselves. That means faster time to market, easier experimentation, and no more waiting in the dev queue. 

This also makes it easier to scale operations, onboard new lines of business, and respond quickly to market shifts. 

Automation That Doesn’t Break What Already Works 

Most E&S carriers and MGAs don’t want to replace their entire tech stack—they just want it to work better. Decisions was built with that in mind. The platform integrates easily with existing systems, enhancing rather than disrupting what’s already in place. 

You don’t have to rip and replace. You just need a smarter way to connect, automate, and control the moving parts. 

Rethink What’s Possible in E&S 

The E&S market isn’t slowing down—but your processes shouldn’t be the thing that holds you back. With the right platform, you can turn complexity into a competitive advantage. 

Whether you’re trying to automate rating logic for a niche market or streamline broker submissions for high-risk policies, Decisions gives you the tools to move faster, work smarter, and serve clients better. 

Ready to see what real flexibility looks like? Schedule a demo and learn how to simplify every aspect of E&S.