The 2026 Underwriting Efficiency Guide

• 15+ third-party industry sources — Accenture, Federato, Coverager, and more. No vendor fluff.
• 2026 benchmarks for response time, conversion, and capacity by LOB — Property through Specialty E&S, with targets for each.
• A 90-day action plan to close your efficiency gap — Phased quick wins, process improvements, and strategic investments.

The Triage Problem

78% of deals go to the carrier that responds first (Coverager, 2024).

Yet 48% of brokers describe industry response times as "too slow." The guide breaks down the 48-hour response standard, LOB-specific benchmarks, and what the fastest teams do differently to win submissions before competitors even open the email.

The Capacity Problem

Underwriters spend 70% of their time on tasks that aren't underwriting (Accenture).

For a 10-person team, that's over $375,000/year in wasted capacity. The guide quantifies where time actually goes — appetite mismatches, data entry, document handling — and maps a three-tier improvement path from quick wins to strategic transformation.

The Trust Problem

Only 16% of insurance professionals trust black-box AI. That jumps to 60% with human-in-the-loop (Wisedocs).

With 22% of underwriters retiring by 2028, technology adoption isn't optional. But the wrong approach kills adoption. The guide covers why trust architecture matters more than accuracy metrics — and how leading teams build systems their underwriters actually use.

Trusted by 25+ carriers and MGAs

"SortSpoke solves one of underwriting's messiest problems. Enables faster reviews, better risk assessment, greatly reduced manual effort."

— VP Underwriting, RGA

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Based on the same research behind the Submission Intake Efficiency Calculator — used by underwriting teams across the P&C market.