Financial Risk Assessment for D&O Underwriting

What does this mean?

Underwriters can review consistent, data-backed assessments faster, reduce manual analysis time, and make clearer bind or referral decisions with documented rationale.

How it works?

Ingests uploaded financial statements and supporting documents, extracts metrics like liquidity, leverage, profitability, and cash flow, evaluates financial health against D&O underwriting criteria, and produces a source-linked risk assessment report with key findings and flagged concerns.

Workflow steps

Step 1: Upload financial documents

The Workflow begins with a manual trigger where the underwriter uploads the company's financial statements and any supporting documents—such as annual reports, balance sheets, or cash flow statements—directly into Cassidy.

Step 2: Extract key financial metrics

Cassidy analyzes the uploaded documents, pulling out critical data points including liquidity ratios, leverage levels, profitability margins, and cash flow indicators to build a complete financial picture.

Step 3: Assess financial health against D&O criteria

Using a Cassidy Agent with underwriting context from your Knowledge Base, the Workflow evaluates the extracted metrics against your organization's D&O underwriting standards and risk thresholds.

Step 4: Identify and flag risk concerns

The Workflow pinpoints areas of concern—such as declining profitability, high debt ratios, or liquidity issues—and flags them for underwriter attention with clear explanations tied back to the source documents.

Step 5: Generate risk assessment report

Cassidy compiles the findings into a comprehensive risk assessment report, complete with key metrics, flagged concerns, and source-linked citations so underwriters can trace every conclusion back to the original data.

Step 6: Export for review and decision

The final report is exported as a Microsoft Word document, giving the underwriter a documented, data-backed assessment to support bind or referral decisions.