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Institutional Memory

The decision framework your underwriting workflows apply.

Your organization’s own judgment, written down, kept current, and owned by you.

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Tollwick positionsTollwick Robotics
Lexcel agentTollwick RoboticsPL decision framework

Which of our positions apply to Tollwick?

Workflows
PL decision frameworkTollwick Robotics
  • Retention

    $50,000 minimum for technology risks over $25M in revenue

    Drawn from 64 bound policies
  • Exclusion

    Contractual liability excluded where the insured indemnifies its clients

    Drawn from 31 bound policies
  • Referral

    Limits above $10M go to a senior underwriter

    Drawn from 46 quotes
  • Prior acts

    Retroactive date held at the expiring policy’s

    Drawn from 112 bound policies

Your firm’s judgment, written down,
and applied on every risk.

Drawn from your firm’s work

Lexcel reads your policies, quotes, and claims and drafts the positions your desk actually takes. Your underwriters confirm which still govern, and those become the decision framework.

Your firm’s work
Bound policies
1,284
Quotes
3,912
Claims
611
Endorsements
2,050
  • pdfWexholt Design, PL Policy 2025.pdf
  • pdfHollis Regional, Endorsement 7.pdf
  • docOakline Packaging, Quote 2024.docx
  • pdfOssendale Clinics, Claim 21-0418.pdf
  • pdfBrayford Systems, PL Policy 2023.pdf
Decision framework
  • Exclusion

    Contractual liability excluded where the insured indemnifies its clients

    Drawn from 31 bound policies
  • Retention

    $100,000 minimum where hospital or clinical work is over 15% of revenue

    Drawn from 18 bound policies
  • Referral

    Limits above $10M go to a senior underwriter

    Drawn from 46 quotes
  • Prior acts

    Retroactive date held at the expiring policy’s

    Drawn from 112 bound policies

Used in

Workbench · SubmissionsDraft IndicationSubmission Overview

Applied where the work happens

Workflows bring the governing position forward with its source materials attached, for the underwriter to apply, narrow, or override.

Explore workflows
HomeDocumentsWorkstreamsWorkflows
Draft IndicationPublishedHistoryExport

Drafts an indication from the submission materials by Marrowdene's underwriting guidelines and referral authority.

Steps

1Read the submission
2Check the guidelines
3Compare bound policies
4Draft the indication
Add step

Linked resources

  • pdfMarrowdene PL Underwriting Guidelines.pdfAppetite, limits, and retentions by class.
  • docReferral Authority.docxWhich risks go to a senior underwriter.
  • xlsxBound PL Policies 2021 to 2025.xlsxFive years of the desk’s bound professional liability.
docDraft Indication.docxjust now

Indication

Tollwick Robotics LLC · Professional Liability

Limit
$5,000,000 each claim and aggregateSupplemental p. 2
Retention
$50,000Underwriting Guidelines
Retroactive date
Aug 1, 2019Expiring Declarations
Exclusions
Contractual liability, as expiringEndorsement 4
Subjectivities
Copy of the hospital services contractCover Note

Precedent on hand for every risk

Your bound policies, quotes, and claims live in workbench libraries. The agent searches and filters them for the closest precedent, pulls the files, and applies them to the risk in front of you.

Explore the workbench
LibraryBound Policies7 of 1,284 records
Line:Professional LiabilityIndustry:TechnologyRevenue:over $25M
InsuredFilesRetentionRevenue
Pellingrove RoboticspdfPolicy 2025.pdf$50,000$58.4M
Kestrova SystemspdfPolicy 2024.pdf$50,000$41.9M
Tarnwell AutomationpdfPolicy 2024.pdf$50,000$33.0M
Vesperline RoboticspdfPolicy 2025.pdf$75,000$72.6M
Lumitrove SoftwarepdfPolicy 2024.pdf$50,000$47.1M
Brennick ControlspdfPolicy 2023.pdf$50,000$29.4M
Halvoran SystemspdfPolicy 2025.pdf$50,000$38.8M
Tollwick precedent

JRJordan Reyes

Pull our bound tech PL precedent for Tollwick.

Lexcel agent

Listed Bound Policies(3 filters)
Read file →Pellingrove Policy 2025.pdf
Read file →Kestrova Policy 2024.pdf
Read file →Tarnwell Policy 2024.pdf
Lexcel agentBound Policies

Ask Lexcel…

An asset that compounds,
and what it takes to build.

Each workflow you build adds to the framework, so it grows more valuable the more of your practice runs on it.

Building one that reflects your desk takes forward-deployed engineers working with your senior underwriters, evaluations built to your own standards, and often over a hundred hours of monitored optimization per workflow.

The hard thing about AI: building institutional memory

Questions teams ask about institutional memory

More questions in the FAQ Read more in the Journal

Is institutional memory just a better document management system?

No. A document management system stores files. Institutional memory structures policies, quotes, and claims so the team can retrieve comparable work product with citations on a live matter, then review before anyone relies on it.

More: Leveraging Institutional Memory with Agentic AI in Specialty Underwriting .

Can AI learn our underwriting approach from our historical files on its own?

On their own, agents can extract a great deal from the files: what was decided, when, and where later work superseded an earlier call. What the files do not settle by themselves is which positions still reflect current appetite and which were one-off accommodations. That judgment comes from the underwriters who set the positions, and it is captured when the decision framework is built rather than re-derived on every file.

More: The Hard Thing About AI: Building Your Organization's Institutional Memory .

How do we keep outdated underwriting positions from becoming the new default?

By treating each use of history as its own call. Historical positions inform the live file rather than setting it by default, and every application of prior work is weighed against whether appetite, market practice, or the risk itself has moved since. The underwriter still reviews before any historical position drives a live quote or claim file.

Where should we start if our underwriting history is large and inconsistent?

Start with one repeatable part of your underwriting, something you do often enough that building a workflow for it pays off. You do not need to organize your entire history first. Separating the positions you still stand behind from old one-off calls is part of building that first workflow, not a cleanup project you have to finish first.

What does Lexcel do with our historical policy and claims data?

Lexcel ingests archived policies, claims files, and notices, structures them, and surfaces the patterns that drive loss, so pricing, exclusions, and reserves are informed by your own book instead of industry averages.

Your data stays your data. Lexcel does not train shared models on it and does not share signal across customers.

Who owns the structured underwriting history?

The organization that produced the work product owns it. Agentic AI runs on that organization's materials, under its control. Claims history and internal analysis are among the categories of data that require the highest care.

Connects everywhere you work,
and works with your existing systems.

  • Salesforce
  • Origami Risk
  • Applied Epic
  • Outlook
  • SharePoint
  • Box
  • Google Drive
  • OneDrive

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Built for enterprise security.

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SOC 2 Type II

Start with one process.
We’ll run it on Lexcel with you.

Bring a line of business or a review your team wants to move faster, and we’ll walk through it on the workbench, from the first email to your systems.

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