Risk & Underwriting Intelligence
Centralize intake, risk analysis, and underwriting logic — then feed it straight into your proposals.
Analyze prospects consistently across every opportunity
Spot red flags early with automated risk scoring
Price accurately using real underwriting data
Push the right context directly into proposals
Access WCIRB, O*NET, OSHA, and BLS data instantly
Underwriting is usually scattered across multiple systems
Loss runs in one folder
ACORDs in another
Census and payroll in spreadsheets
Class codes and OSHA history in someone's head
No consistent way to compare opportunities
Pricing becomes a guessing game
HALO IQ consolidates everything into one intelligent underwriting workspace.
All prospect documents, loss history, class codes, and census data in one place.
HALO IQ analyzes loss frequency, severity patterns, industry benchmarks, and OSHA data.
Access O*NET job risk profiles, BLS injury rates, and Cal/OSHA enforcement records.
Calculates workers' comp exposure, experience mods, and premium projections.
Flags gaps in coverage, regulatory issues, and state-specific requirements.
Configurable approval rules, tiered pricing, and exception handling.
California workers' comp data
Occupational risk profiles
Enforcement and inspection data
Bureau of Labor Statistics
National workers' comp data
California safety records
Dept. of Labor open data
Industry classification codes
Measurable impact on your underwriting operations
From hours to minutes per opportunity
Data-driven decisions reduce losses
Every deal evaluated with same rigor
Same team, higher throughput
Better risk selection compounds over time
From improved underwriting efficiency
Parse and extract data from any loss run format
Real-time Ex-Mod calculations and scenario modeling
Configurable risk scoring based on your appetite
State-specific compliance rule validation
Integration with payroll, HRIS, and census systems
API access for custom workflows and integrations
All underwriting data is encrypted at rest and in transit. Role-based access controls ensure only authorized users see sensitive information. Full audit trails track every access.
Yes. HALO IQ connects to major payroll providers, HRIS platforms, and document management systems. We also provide APIs for custom integrations.
Absolutely. You define the rules, weights, and thresholds. HALO IQ applies your underwriting philosophy consistently across every opportunity.
Most underwriting teams are operational within 2 weeks. We migrate historical data, configure scoring rules, and train your team — you stay focused on evaluating deals.
See how HALO IQ is helping PEO sales teams close deals faster
"HALO IQ cut our proposal time from 8 hours to 45 minutes. The workers comp underwriting alone is worth 10x the price."
Sarah Johnson
VP of Sales
Premier PEO Solutions
"We were drowning in RFPs. HALO IQ's AI parsing saved our team 15+ hours per week. Game changer for our sales process."
Michael Chen
Director of Operations
Workforce Advantage
"The 50-state compliance automation gives us confidence every proposal is accurate. Our close rate jumped 25% since implementing HALO IQ."
Jennifer Martinez
Sales Manager
National PEO Group
Standardize and scale your underwriting process
Spend less time on data entry, more on decision-making
Get complete visibility into portfolio risk
Ensure consistent evaluation across all submissions
Link underwriting directly to proposals
Give reps the context they need to close deals
See how HALO IQ brings intelligence to every risk decision