Mutuals

Protect member equity while improving underwriting performance

Kalepa helps mutual insurers balance disciplined underwriting with responsive service – protecting what members have built while competing effectively in local and regional markets.

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Trusted by top-tier INSURERS

KALEPA UNDERSTANDS MUTUAL INSURERS

Mutual insurers are built to serve policyholders and communities for the long term. That requires underwriting discipline that protects member equity – while delivering the responsiveness that keeps agents loyal and supports steady growth.

Kalepa strengthens both sides of this commitment: It helps mutuals quote faster without relaxing standards, operate efficiently without overloading lean teams, and improve portfolio performance with consistent appetite execution and real-time visibility.

HOW KALEPA HELPS

Kalepa helps mutual insurers grow responsibly by improving speed, consistency, and control – without disrupting trusted operating models.

Enable superior servicing

Kalepa automates routine work - helping underwriting teams to handle more submissions while providing best-in-class servicing to agents, members, and their communities.

Result

Higher throughput and better service levels.

Enforce underwriting discipline and improve reinsurance terms

Kalepa evaluates every submission against your appetite, guidelines and optimal portfolio composition - ensuring consistent risk selection that translates into improved reinsurance terms.

Result

Stronger loss performance, lower operating friction and improved reinsurance rates.

Deploy AI with minimal IT lift

Kalepa integrates via API with existing systems, requires minimal configuration, and can be deployed incrementally without a long implementation program. The platform is designed to deliver measurable impact quickly without straining small IT teams.

Result

Stronger agent relationships and better outcomes for members.

PROOF

Faster service, higher efficiency, stronger portfolio performance.

960+

basis points

combined ratio improvement

960

450+

basis points

loss ratio reduction

450

450+

basis points

loss ratio reduction

450

95%+

sustained appetite and guideline compliance

Kalepa doesn't just scratch the surface; it dives deep into every risk, uncovering exposures and providing recommendations with full transparency and clear evidence.

Paul Musialowski

Director - Corporate Programs, Merchants Insurance Group

To write the next chapter of that story, we sought an underwriting partner who could enhance the skills of our people. Kalepa gives us the intelligence to expand into new geographies and more complex risks – while staying grounded in the values that make mutual insurance unique.

Kevin Klestinski

Chief Underwriting Oficer, Secura Insurance

See how we build trusted AI for the world’s leading insurers.

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Case studies

Kalepa is trusted by top-tier insurers to deliver measurable underwriting impact in production

Discover More

How Hinterland Accelerated Underwriting Speed, Accuracy and Growth with Kalepa

Driving Profitable Growth: Bowhead Specialty’s Results with Kalepa

Doubling Policy Count: Paragon Insurance’s Underwriting Success with Kalepa

See how Kalepa helps insurers improve speed, consistency, and portfolio performance.

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Trusted by top-tier INSURERS. Proven in production.