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Powering the future of commercial insurance

Cytora transforms underwriting for business insurance. The Cytora Risk Engine uses artificial intelligence to learn the patterns of risks over time, enabling insurers to improve profitability and deliver fairer prices to their customers.

The Cytora Risk Engine

Powered by artificial intelligence, the Cytora Risk Engine helps insurers to target the most profitable risks, improve risk selection and pricing, and deliver questionless underwriting to customers and distribution partners.

We process, extract, verify and connect billions of data points from external and internal sources.

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The Cytora Risk Engine uses artificial intelligence to learn the patterns of different risks and loss outcomes over time and computes a rank, score, and price for every property and company in the population.

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The Cytora Risk Engine generates peril-specific scores to deliver a granular view of each individual risk.

Our configuration layer allows each insurer to dynamically set scores and prices, generating unique discounting and loading rules to support different pricing strategies.

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Driven by data

We believe the key to an improved insurance industry is rooted in the value of data. The Cytora Risk Engine identifies patterns of good and bad risks over time, analyzing billions of data points every day to refine its performance.

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Uniquely configurable

Internal data inputs tune the Cytora Risk Engine to reflect the appetite of each insurance company. Our configuration layer enables each insurer to set unique loading and discount strategies and risk selection parameters.

Latest news


AI_Forum convenes leaders from insurance, finance, and technology for in-depth discussions to demystify the role of artificial intelligence in commercial underwriting.

Oct 30, 2018


Machine learning was the hot topic at GIRO 2018. What advantages does machine learning offer for pricing? How can insurers bring these models to production?

Oct 30, 2018


Founded by a team of machine learning scientists, data engineers and strategists, Cytora advocates that in the next decade insurance will become both “frictionless and transparent”.

Oct 25, 2018


Cytora, the artificial intelligence company transforming commercial underwriting, has today announced winning ‘Risk Modelling Technology of the Year’ at the 2018 Insurance Times Tech & Innovation Awards.

Sep 14, 2018

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