How It Works

From submission to monitoring, one program.

PolySea underwrites autonomous-systems risk end to end: submission auto-mapped to engineering-controls catalogs, credits set on the controls themselves, quote-to-bind on the live platform, and telemetry feeding Active Monitoring once the policy is in force.

The flow

Five steps, one coordinated underwriting program

Each step runs on the live platform at polysea.ai. The same data layer carries the submission through underwriting, binding, and the life of the policy.

Step 1

Submit

The operator or broker submits on the live platform. Each submission auto-maps to the four engineering-controls catalogs and the corresponding pricing tiers. No manual classification, no guesswork on which standard governs the exposure.

Operator and broker submissions on polysea.ai

Auto-map to four controls catalogs: FM Global DS 7-112, NFPA 2, ANSI/RIA R15.06, OSHA 1910.178

AI loss-run extraction at 99.2% accuracy, 10x faster

Submissions resolve to the correct pricing tier

SOV and fleet inventory captured at intake

Step 2

Underwrite

Engineering-controls underwriting translates each catalog into questions and credit-earning thresholds, setting credits of 15-30%. The operating-model filter (production pressure, not automation level) separates the genuinely safe operators from the rest.

Controls thresholds set credits of 15-30%

Credit-earning questions per standard, not a flat rate

Operating-model filter on production pressure

Safe operators (GXO/Lineage-class) separated from peers

Six coordinated lines: WC, EB, IM, Property+BI, GL, Auto

Step 3

Bind

Quote to bind on the live platform. The system packages the submission and routes it through multi-step approval workflows (client to broker to MGA to carrier) so every party signs off on validated data, with a full transaction record.

Quote-to-bind on the live platform

Automated submission packaging

Multi-step approvals: client → broker → MGA → carrier

Role-based access across every party

Complete transaction audit trail

Step 4

Monitor

Telemetry flows from the moment of binding: State of Charge, charging cycles, fleet composition. Active Monitoring detects risk indicators in that stream and notifies the operator; the operator decides how to act.

Telemetry captured at policy binding

State of Charge, charging cycles, fleet composition

Active Monitoring flags risk indicators

Operator notified: the opt-in monitoring model for physical AI

Full audit trail of detections and notifications

Step 5

Adjust & service

Exposure moves dynamically with the book. Change the fleet on Monday and premium adjusts by Friday. No waiting for renewal. When a loss occurs, Reserv claims integration triggers at first notice of loss so servicing starts immediately.

Dynamic exposure adjustment as the fleet changes

Change fleet Monday, premium adjusts Friday

Telemetry-driven, not renewal-bound

Reserv claims integration at FNOL

Servicing continuous through the policy life

At a glance

The lifecycle, end to end

Submit

Auto-mapped to controls catalogs and tiers

Underwrite

15–30% credits; operating-model filter

Bind

Quote-to-bind with multi-step approvals

Monitor

Telemetry-fed Active Monitoring

Adjust & service

Dynamic exposure; Reserv at FNOL

See the program against your book.

Bring a submission or a sample loss run. We will walk the engineering-controls underwriting, the credit thresholds, and what Active Monitoring would surface on your fleet.

Talk to Underwriting