Penn National Insurance Selects DataCubes to Automate Its Underwriting Process

DataCubes’ d3 Risk 360™ & d3 Answers™ to increase Penn’s underwriting accuracy & productivity

CHICAGO (September 10, 2019) - DataCubes, a leading decision automation platform for commercial P&C underwriting, announced today that Penn National Insurance, a property-casualty mutual insurance company, founded in 1919 and headquartered in Harrisburg, Pennsylvania, has selected DataCubes to improve its underwriting process.

As part of the agreement, Penn National Insurance will utilize DataCubes’ d3 Risk 360™ and d3 Answers™ to help its underwriting team substantially increase the efficiency and speed of its commercial P&C quote process.

“DataCubes will enable our underwriting team to quickly identify underwriting risk characteristics and to systematically collate relevant underwriting data from various sources to improve business agility and the decision-making process,” said Randy Mancini, vice president, Commercial Lines at Penn National Insurance.

DataCubes’ AI-driven d3 Underwriting™ platform is trained to emulate the best practices of a human underwriter. With its machine learning models, DataCubes analyzes and interprets over four billion data points to build robust business profiles that help carriers discover important underwriting insights and risk characteristics in near real-time.

“With our AI analyzing the digital footprint of a business, and reducing the number of underwriting questions that need to be asked manually, Penn’s underwriters will have a lot more time to dedicate to the human side of underwriting,” said Kuldeep Malik, co-founder and CEO at DataCubes. “This technology will enable a more consistent and comprehensive review process, thereby resulting in reduced expenses and loss.”

About DataCubes

Headquartered in Schaumburg, Illinois, and founded in 2016 by Kuldeep Malik and Harish Neelamana, DataCubes is the first decision automation platform for commercial P&C underwriting. The company has revolutionized the commercial underwriting process with cutting-edge AI and data science. Commercial carriers of all sizes use DataCubes to make real-time underwriting decisions based on rich data and highly-accurate intelligence gathered by external sources to improve productivity, profitability, efficiency and accuracy. To learn more, visit

About Penn National Insurance

Founded in 1919, Penn National Insurance provides property and casualty insurance through a network of 1,200 independent insurance agency operations in 11 states: PA, MD, DE, NJ, VA, NC, SC, TN, AL, WI, and IA.  The company has an A.M. Best financial rating of A- (Excellent), with admitted assets totalling $1.8 billion.