Commercial Underwriting Submission Agent

Problem

Submissions arrive as email threads carrying spreadsheets, ACORD forms, and loss runs in four formats. Underwriters spend the day retyping schedules and chasing missing information, and quotes that go out late are the ones that lose - so good risks get declined by silence.

Solution

An agent that parses the whole submission, maps exposures into the rating schema, screens appetite before an underwriter looks at it, and sends the broker one specific list of what is missing.

Tech stack

Required integrations

• Broker email and submission portals
• Policy administration or rating engine
• Loss run and prior carrier data
• Appetite and referral rules

Key features

• Schedule of values and exposure extraction into the rating schema
• Appetite screening ahead of underwriter review
• One consolidated information request back to the broker
• Loss run normalisation across carrier formats
• Referral routing that names the rule which triggered it