zajiOS
Underwriting judgment layer · Commercial property & E&S casualty
The reasoning behind a decision is the asset. Everything else is paperwork.
zajiOS captures why an underwriter went outside guidelines, in their words, in under a minute — then serves that judgment to the next person who faces the same account.
- 60s
- Capture time budget
- 2
- Questions asked
- 8
- Precedents per submission
- 0
- Recommendations given
A desk instrument, not a knowledge base
Every judgment call a senior underwriter makes is reasoning your file has no place to hold. zajiOS holds it, attributes it, and puts it where the next call is made.
Capture in under sixty seconds
Two questions, voice or text. What made you go outside guidelines here, and what would have changed your answer. No forms, no meeting invite, no write-up after hours.
The underwriter approves the record
Nothing is captured silently. The structured record is shown back in the underwriter's own words, editable, and stays private to its author until they press approve.
Precedent arrives in the work
The submission screen loads comparable past calls on its own — ordered by similarity, with the deciding factor, the counterfactual and the conditions attached.
Every precedent carries its outcome
Reasoning without the result is an opinion. Clean years read green, conditions amber, and a loss reads red at full size next to the reasoning that produced it.
This is what gets served
A precedent card is a record, never an instruction. It shows who decided, how long they have been underwriting, what actually moved them, what would have flipped the call — and what the account went on to do.
- Clean outcomes stated plainly, with the years behind them.
- Conditions carried forward exactly as they were written.
- Losses shown in red at the same size as the reasoning that allowed them.
Metal fabrication · TX · Margaret Ellsworth (24 yrs) · Nov 4, 2025
- Deciding factor
- Both fires had the same fixable cause and the permit programme was rebuilt after the second one, and Feld gave me the engineering report unprompted.
- Would have changed the answer
- If the second fire had a different cause from the first, I would have declined. Two unrelated fires is a management problem, not a process problem.
- Conditions attached
- Annual hot work permit audit by our engineer; 5% fire deductible
- Known outcome
- No claims since. Three years in force.
Built to survive carrier review
Consent is visible. Drafts belong to their author alone. Approved records are never overwritten — an edit writes a new version. Nothing is recorded in the background, and zajiOS never tells an underwriter what to do.
For the underwriting manager
Capture rate, consult rate, the decision-time gap between experience bands, and which classes hold knowledge that walks out with one person.