# How C-Quence is Powering Automated, Data-led Underwriting at Scale with nCino
_Published: 2026-06-30T00:00:00.000+01:00_

C-Quence is an Insurtech MGA built with data and technology from the outset. Its partnership with nCino is delivering measurable impact at scale,

C-Quence is an Insurtech MGA built with data and technology augmentation from the outset. Its 8-year partnership with nCino is delivering measurable impact at scale, with submissions quoted and bound in under 2 minutes, 81,000+ compliance checks processed, and a market-leading response-time SLA that’s setting a new benchmark for the mid-market commercial insurance sector.

## The Challenge: Harnessing Data and Technology to Transform Underwriting

C-Quence was created to deliver a radical, powerful, and highly efficient way of trading and servicing mid-market commercial insurance. Their ambition is bold. To harness data and technology in intuitive and sophisticated ways that augment underwriting talent, improve outcomes for carriers, brokers and clients, and deliver enhanced levels of service faster and at reduced cost. To do that, they needed a data partner that could match their vision.

## A Partnership Built From the Ground up

We became C-Quence’s first data partner just six months after the company’s formation. Together we’ve gone from strength to strength ever since. Our API and Smart Solutions support workflows across their proprietary C-Q Elements platform, integrating with the data and compliance intelligence layer that drives differentiation in terms of service, product, capacity, and distribution innovation.

> _"We use nCino to pull and enrich a significant amount of data and company-based intelligence, validated at source…we have access to thousands of data points we can use to augment the onboarding, submission, and placement process. The wealth and richness of the data is incredibly valuable; we can underwrite to a granular level with much greater sophistication." _**Elliot Biggs, Chief Information and Operating Officer, C-Quence**

## Next-gen Intuitive Underwriting Journeys

C-Quence’s underwriting team leverages our toolkit heavily. In financial lines, where usage is most intensive, the team harnesses company intelligence to make connections between organisations and directors and surface the critical risk factors underwriters need to make sound judgments. By embedding this data into their workflows, the vast majority of risks can be underwritten without human interaction. For highly complex cases, the platform flags immediately where expert analysis is needed and escalates to the right underwriter.

> _"nCino helps inform the complex decisions our talented underwriters make. Our underwriters spend time underwriting, not administering."_

## Measurable Impact Across Speed, Compliance, and Growth

Our partnership is delivering measurable results:

- **Speed: **Submissions are quoted and bound in under two minutes, with a 30-second “happy path” for search, pre-population, and pricing.
- **Response times: **A market-leading SLA with 45% of inbound referrals handled within 15 minutes, 75% within two hours, and 100% within 24 hours.
- **Compliance: **PEPs, sanctions and adverse media screening, UBO and director data, CCJ thresholds, ESG data, and AML indicators are incorporated in real time at the point of onboarding or quotation. C-Quence has run more than 81,000 PEPs and sanctions.
- **Scale: **An average of 35,000 API calls a month and 210,000 over the past six months.

> _"We’re operating in a soft market; broker needs are more demanding. We need the best data augmenting our underwriting expertise so we can be as efficient, service-driven and competitive as possible."_

The rise of the MGA has been a defining evolution of the UK insurance market over the last decade. From specialist boutiques to talent-packed powerhouses defining a new era of product, capacity, and distribution innovation. But maintaining this rapid growth trajectory requires more than market access and human underwriting talent. MGA’s have transformed the market, but now that transformation needs to scale.

C-Quence is the perfect example of what a new era of MGA success looks like. By embedding nCino not as a bolt-on, but as a core part of its technology and underwriting workflow, they’ve built something greater than the sum of its parts.

> _"nCino truly understands what we are trying to achieve long-term. nCino has supported our growth because of the richness of the intelligence they provide, and the heavy lifting they do in terms of validation and compliance."_

Want to learn more about how C-Quence is transforming commercial insurance underwriting? [Read the full case study to discover the complete story behind the C-Quence x nCino partnership.](https://assets.ctfassets.net/ze344jjyx19q/E8ZM8w13R0XvQkT6L8Vqq/261e16ca905ecad7e589c389fab457db/Case_Study_-_C-quence.pdf)

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