AI Submission Assistant
For heads of commercial lines and chief underwriting officers at specialty carriers
Four commercial programs on one private desk.
A specialty carrier checks a private desk against its past files first.
Sample story. People and companies are made up.
Four inboxes, one bottleneck
Marcus runs commercial lines at a specialty carrier. Four programs cover lessors risk, habitational, light manufacturing and inland marine. Each program has its own inbox alias. Underwriters check authority limits, state endorsement matrices and referral rules by hand.
When a property schedule crosses line authority, the file stalls. The underwriter stops quoting. They hunt the guidelines for the authority citation. They build a referral memo from scratch. The broker may move to a faster market.
A private desk and our team
Marcus wants a tool his senior underwriters will trust. Compliance wants company-isolated infrastructure. He chooses Enterprise on a dedicated instance in our cloud. Our team works beside his underwriters.
His condition is simple. No live broker email routes to the inbox at first. Our team proves the setup on the carrier’s past submissions first. These include hard multi-state referrals.
Checked on past files
Our team provisions the private instance. It is kept apart from every other company. Our team loads the guides for all four programs. We connect each program’s rater. We set up the endorsement library by state, default subjectivities and authority thresholds.
Next, our team runs past submissions through the instance with Marcus’s lead underwriters. They audit each value, guide citation, rater premium, endorsement and referral trigger. They compare it with what the team bound or referred in real life.
Our team then tunes the rules, letters and referral memos. Each program gets its own AI mailbox. All underwriters work on one desk.
A lessors risk referral
A regional broker sends a lessors risk submission. It has applications, a schedule of values and five years of loss runs.
Before the underwriter opens the file, values are filled and cited to their pages. OFAC, flood, and quake checks run. Total insured value above authority is flagged with the guide page cited. The referral routes to the senior underwriter.
Rater inputs are filled with source pages, and state endorsements and subjectivities are attached. The draft quote waits for the underwriter’s Send.
Room for another program
Brokers get cited responses while their submissions are fresh. Senior underwriters stop copying building values into referral notes.
A fifth program guide can join the same dedicated instance. Our team configures it the same way.
The steps
- A dedicated instanceWith our team Our team sets up a dedicated instance in our cloud, apart from other companies.
- Guides, raters, endorsementsWith our team Our team loads the program guides and rebuilds each rater as an AI-ready app. We configure state endorsements, subjectivities, and authority limits.
- Checked on past filesWith our team Our team tests past submissions with the lead underwriters. Together, they verify every cited value, rater output, and referral.
- Tuned where the work isWith our team Our team configures authority rules, quote templates, and referral routing rules.
- All four programs open Each program gets its own AI mailbox. The underwriters work the four lines on one desk.