What works with hyperexponential for submission intake?

Klarefi works in front of hx. It reads each broker submission, asks the broker for what is missing and links every fact to its source, then hands the case package over through its API and a webhook. There is no ready-made connector for hx. The route into hx is agreed and tested in a pilot.

hx already ingests submissions. Why add intake in front?

hx says it ingests and prioritises the submissions brokers send. Klarefi's job is the part that has to come back from the broker: it asks during the submission, reads the answer and cites it. If most of your submissions already arrive complete, the case for Klarefi is weak, and the free audit will show that.

Does Klarefi price, triage or decline risks?

No. Klarefi does not price, rate, score or rank a risk. Pricing and triage happen in hx, and your underwriter makes every decision. Klarefi prepares the file and logs each step.

What does Guidewire's deal to acquire hyperexponential change?

Nothing on this page depends on it. Guidewire announced the agreement on 27 October 2026. Klarefi hands over through its own API and webhooks, so the route into hx is agreed with whoever runs your hx setup at the time.

Where are submissions stored?

In the EU by default. Documents are read with AI models through OpenRouter, including providers in the United States. The security page has the details, and Klarefi can also run in your own cloud.

hyperexponential submission intake that asks the broker for what is missing.

hyperexponential submission intake with Klarefi means each broker submission is read, checked and completed with the broker before an underwriter prices it in hx. Klarefi is an AI intake agent for MGAs and insurers. It reads the proposal form, the statement of values and the loss runs, asks the broker in a chat for anything missing or contradictory and links every fact to its source. Your underwriter decides.

Published 12 November 2026

What hx does.

hyperexponential calls hx an “agentic underwriting workbench”. Its MGA page describes “the MGA underwriting workbench for submission triage, pricing, and carrier reporting”. It says hx can “automate ingestion and prioritization of submissions against your risk appetite” and “automatically uploads submissions and generates a technical price before an underwriter touches the model”.

On policy administration, the hx home page says: “Sits earlier in the cycle. Your PAS stays the system of record.”

On 27 October 2026 Guidewire announced a definitive agreement to acquire hyperexponential. The announcement said the deal was expected to close in the second quarter of Guidewire's fiscal year 2027.

Quotes come from the sources at the foot of this page.

Where a submission stalls before pricing.

A commercial property submission arrives as a broker's email with a proposal form, a statement of values and loss runs attached. Reading it shows what is there. What is missing still has to come from the broker.

A location with no construction type, a sum insured that differs between the proposal and the schedule, or loss runs that stop a year short: each one means an email to the broker and a submission that waits for the answer before anyone can price it with confidence.

What Klarefi does in front of hx.

Klarefi takes the submission in through your own submission form, on your own domain. It reads each document as it arrives and checks the facts against the requirements you set for that line of business.

When something is missing or two documents disagree, Klarefi asks the broker in the same conversation, while they are still submitting. Every fact carries the page and sentence it came from. A fact Klarefi cannot find is marked missing and never guessed.

Klarefi does not price, rate, score or rank the risk, and it does not triage against your appetite. hx and your underwriter do that. Klarefi prepares the file.

What Klarefi hands over today.

Klarefi hands a finished case over through its own API and webhooks. This is what exists today:

A webhook at each step: Klarefi sends a signed message to an address you register, for example when a case is ready for review or when your underwriter has finished reviewing it.
The case package through the API: Your system reads the package: every fact with its source, the results of your checks, what is still open, the documents, a summary and a signed read-only link to the case file.
Your own reference: When an intake starts you pass your own reference, such as a submission number. It comes back in every message Klarefi sends.

There is no ready-made connector between Klarefi and hx. How the case package reaches hx is agreed and tested in a pilot, with whoever administers your hx setup.

Where the package lands in hx.

hyperexponential publishes no API documentation on its public website, so this page names no hx fields or objects. Its home page says hx “runs wherever the work happens: web, PAS, portal, API, or scheduled job”.

The handover goes through the route your hx administrator allows: an API call they set up, or a file your team loads. We agree the route and the mapping with them during the pilot.

Example: a commercial property submission.

Example with invented details. It is not a customer result.

A broker submits a commercial property risk for three light-industrial units: a proposal form, a statement of values and four years of loss runs.
The statement of values gives no construction type or year built for the third unit. Klarefi asks the broker for both in the chat. The broker answers steel frame, built 1998, and the answer goes into the file with the chat line as its source.
The proposal form gives a buildings sum insured of £4.2 million. The statement of values adds up to £4.6 million. Klarefi asks which is right. The broker confirms £4.6 million and uploads a corrected proposal.
Your requirements for this line ask for five years of loss runs. Klarefi asks for the missing year, and the broker uploads it.
Your underwriter opens a case file where each value links to the page it came from, with your checks and anything still open. They decide whether to quote, and price the risk in hx.
Klarefi sends a webhook. The receiver agreed in the pilot reads the package and passes it to hx by the agreed route.

Questions MGAs ask.

What works with hyperexponential for submission intake?: Klarefi works in front of hx. It reads each broker submission, asks the broker for what is missing and links every fact to its source, then hands the case package over through its API and a webhook. There is no ready-made connector for hx. The route into hx is agreed and tested in a pilot.
hx already ingests submissions. Why add intake in front?: hx says it ingests and prioritises the submissions brokers send. Klarefi's job is the part that has to come back from the broker: it asks during the submission, reads the answer and cites it. If most of your submissions already arrive complete, the case for Klarefi is weak, and the free audit will show that.
Does Klarefi price, triage or decline risks?: No. Klarefi does not price, rate, score or rank a risk. Pricing and triage happen in hx, and your underwriter makes every decision. Klarefi prepares the file and logs each step.
What does Guidewire's deal to acquire hyperexponential change?: Nothing on this page depends on it. Guidewire announced the agreement on 27 October 2026. Klarefi hands over through its own API and webhooks, so the route into hx is agreed with whoever runs your hx setup at the time.
Where are submissions stored?: In the EU by default. Documents are read with AI models through OpenRouter, including providers in the United States. The security page has the details, and Klarefi can also run in your own cloud.

Sources

hyperexponential: Agentic underwriting workbench for MGAs, opened on 12 November 2026
hyperexponential home page, opened on 12 November 2026
Guidewire signs definitive agreement to acquire hyperexponential, opened on 12 November 2026