Powering Real-Time Underwriting and Continuous Risk Visibility
Unified API and data fabric that connects cyber insurance platforms to policyholder security tools. Replace manual questionnaires with live posture data across 170+ integrations.
Underwriting Built on Questionnaires Does Not Scale
Cyber insurance platforms today rely on manual questionnaires and self-reported data for underwriting. The process is slow, the data is unreliable, and once a policy is bound there is no continuous visibility into whether the policyholder's security posture has changed.
The obvious solution is to connect directly to policyholder security tools and pull real posture data. But that introduces a different problem:
- Every policyholder runs a different combination of identity, endpoint, vulnerability, and cloud tools
- Each tool has its own API, authentication model, data schema, and rate limits
- Building and maintaining connectors across this landscape requires dedicated engineering teams
- As your book of business grows, integration complexity grows with it
The result is that most platforms either avoid direct tool integrations entirely, or build a handful of connectors that cover only a fraction of their policyholders. Neither approach produces the data quality or coverage that modern risk modeling demands.
What is needed is integration infrastructure that abstracts tool-level complexity and delivers normalized security posture data regardless of what the policyholder runs.
From Questionnaires to Live Posture Data
Unizo provides a dedicated integration layer between your insurance platform and policyholder security environments, delivering structured risk data without requiring you to build or maintain individual connectors.
Automated Risk Assessment
Replace questionnaires with real-time security posture data from policyholder environments. Pull MFA adoption, EDR deployment, vulnerability counts, and cloud configurations directly from the tools that manage them.
Accelerated Underwriting
Automated data collection and normalized schemas mean underwriters receive structured, comparable risk data in hours rather than chasing questionnaire responses for weeks.
Continuous Monitoring
Track policyholder security posture throughout the policy term. Webhooks surface changes as they happen, whether MFA gets disabled, EDR coverage drops, or new critical vulnerabilities appear.
Claims Validation
Access historical security data for incident claim processing. Evidence from identity, endpoint, and cloud tools provides the audit trail needed to validate timelines and control effectiveness.
Read-Only, Zero-Retention Architecture That Policyholders Trust
The biggest barrier to pulling live security data is not technical. It is trust. Policyholders are understandably reluctant to grant tool access to a third party, especially one evaluating their risk.
Unizo addresses this directly through architectural constraints that make policyholders comfortable sharing access:
- Read-only access with no ability to modify, delete, or reconfigure policyholder tools
- Zero data retention means security posture data passes through but is never stored on Unizo infrastructure
- Policyholder-controlled authorization via Connect UI with full visibility into what is being shared
- Complete tenant isolation ensures one policyholder's data is never accessible to another
This architecture turns tool access from a trust conversation into a straightforward authorization step, which directly impacts policyholder opt-in rates and data coverage.
How Real-Time Posture Data Transforms Underwriting
A typical underwriting cycle involves weeks of back-and-forth over questionnaires. With Unizo as the integration layer, that timeline compresses to hours and the data quality improves substantially.
Example: Underwriting a Mid-Market Company
A policyholder applying for cyber coverage connects their security tools through Connect UI. The process takes a few minutes and requires no technical expertise on their side. Once authorized, the following happens automatically:
- 1Unizo pulls MFA adoption rates and policy enforcement status from the identity provider
- 2EDR agent deployment coverage and detection response metrics are collected from the endpoint platform
- 3Open vulnerability counts, severity distribution, and mean time to remediate are gathered from the vulnerability scanner
- 4Patch compliance status and OS currency data are normalized across endpoint and cloud sources
- 5All data is delivered to the insurance platform through a unified schema, ready for risk scoring
The underwriter receives a structured risk profile within hours of the application, built on objective data from the policyholder's actual security stack rather than self-reported answers.
Because the connection persists, the same data feeds continuous monitoring throughout the policy term and provides an evidence baseline if a claim is filed.
Integration Coverage for Insurance Platforms
Unizo connects insurance platforms to policyholder security tools across the categories that matter most for risk assessment. All accessed through unified APIs with consistent schemas and behavior.
Security Tool Access Is an Infrastructure Problem
Cyber insurance platforms that treat policyholder tool connectivity as feature code end up with a growing backlog of connectors to build, maintain, and debug. Every new tool a policyholder runs becomes an engineering project rather than a configuration change.
When security tool access is treated as infrastructure, the dynamics shift. New policyholder tools are supported without code changes. Data arrives in consistent schemas regardless of source. Underwriting, monitoring, and claims workflows all consume the same normalized posture data.
This lets insurance platforms focus on what differentiates them: risk modeling, pricing algorithms, and decision-making. The integration layer handles the rest.