Underwriting
The broker marks the field and your company's quoting tool already knows its area, each season's crop, and whether a front passed over it last night. You set the rate.
Pergamino · Buenos AiresLast night's front · 23:40
A front passed through here last night. Check the field before quoting.
Hail quoting toolYour company
Two requests, the same piece
Quote faster
Fewer steps, less data to enter and an answer on the spot, without losing quality in the risk assessment.
What the broker types today, and what arrives on its own:
Struck-through items arrive prefilled. The rate and adjustment stay with your company.
Adverse selection
If a front passed through last night and an application drawn there comes in today, an alert lights up while the broker draws the field. Not ten days later, with the claim.
Adverse selection is stopped at the application. Before issuing, not at the adjustment.
Before or after?
Ucotron knows when the front passed over each place. With that, it flags an application that arrives after the event and a claim on a policy issued a few days before.
At the application
At the claim
Yes
It doesn't quote on its own: the application goes to the underwriter with the before and after.
No
It quotes with your company's rate and adjustment, and the reason is on record.
Can't be seen
It gives no opinion: it quotes without adjustment and flags the field for inspection. “Can't be seen” is not “didn't happen.”
It never rejects an application on its own. It flags, shows the evidence, and routes to a person.
27 seasons
The field's greenness fortnight by fortnight, with Landsat since 1999 and Sentinel-2 since 2017. The shape of the curve gives each season's likely crop. Step through each year.
Soy 1stCornWinter crop + secondL · Landsat 30 m · S2 · Sentinel-2 10 m
Against the neighbors
The likely crop of each 30 m pixel around the field. That way the field is compared with its neighbors of the same crop, season by season, and not with the rate of an entire zone.
The field: corn and first-crop soybeans
Neighbors with first-crop soybeans
Neighbors with corn
Non-agricultural
Back to your quoting tool
Via API, inside your quoting tool, or via WhatsApp for the broker. Ucotron returns the measured field and the answer to the prior-damage check. Your company sets the rate, the adjustment, and the rule for what's accepted and what's referred.
What it brings
What it doesn't
{
"lote": "pergamino-norte",
"superficie_ha": 86.4,
"partido": "Pergamino",
"campanas": 27,
"cultivo_probable": {
"2025/26": ["maiz", "soja_1"],
"confianza": "media"
},
"tormentas_recientes": [],
"dano_previo": "no",
"evidencia": "informe firmado · SHA-256",
"tasa": null
}"tasa": null · your company sets it
Underwriting recipes
Hail
When an application comes in drawn where a front passed last night.
Raises an alert while the broker draws the field, not ten days later with the claim.
APIQueue
Hail
When the broker sends a field, a KMZ or a location.
Preloads acreage, likely crop and recent storms into the insurer's quoting tool.
WhatsAppAPI
Various
When an application or an API request comes in.
Returns the field's history season by season and how it compares with its neighbors.
Signed PDFAPI
Various
When a planting date is declared.
Checks the declared date against the greenness curve seen from the satellite.
APISigned PDF
Various
When a portfolio is uploaded.
Finds impossible locations, shifted columns and duplicate fields before they reach the model.
Signed PDFExcel
Start with just the location: no portfolio handover, with a group of brokers and one zone.