Commercial Underwriting Submission Intake

• Head of Commercial Underwriting
• Underwriting Operations Manager
• Property and Engineering Underwriter
• Broker Relationship Manager

Commercial submissions arrive by email from brokers in every shape: a placement slip, a proposal form, a location schedule in a spreadsheet with merged cells, a risk inspection report and several years of claims experience. Before an underwriter can think about the risk, someone has to key it in, chase what is missing and check whether another broker has already sent the same client.

We build an intake agent that watches your underwriting mailbox or broker portal. It reads each email and its attachments, identifies the line of business, the insured and the broker, and extracts the data your underwriting guidelines need. Schedules of values are normalised into a clean location table with occupancy, construction and values split by building, plant and stock, then reconciled to the proposal. Loss histories become a year-by-year summary. The agent checks completeness, clearance and appetite rules, drafts a broker query for gaps and gives the underwriter a summary with every figure linked to its source. Pricing and acceptance stay with the underwriter.

• Classifies submissions by line of business, such as property, engineering, marine cargo, liability or group health
• Extracts insured, broker, period, limits, deductibles and requested covers from slips and proposal forms
• Normalises messy schedules of values into a clean location table and reconciles totals to the proposal
• Summarises loss history by year, cause and amount, with large losses called out
• Runs clearance against existing submissions and policies, and checks appetite and referral rules from your guidelines
• Drafts a broker query for missing documents and gives the underwriter a source-linked summary

1. 01Capture the submissionEmails and attachments from the underwriting mailbox or broker portal are grouped into one submission.
2. 02Classify and extractLine of business, insured, broker and requested cover are identified, and key fields are extracted from each document.
3. 03Normalise schedules and lossesLocation schedules and loss histories are converted into standard tables and reconciled to the proposal.
4. 04Check clearance, appetite and completenessDuplicates, out-of-appetite features and missing documents are flagged against your rules.
5. 05Resolve gapsAn underwriting assistant reviews the flags and sends the drafted broker query where information is missing.
6. 06Underwriter reviewThe underwriter receives a source-linked summary in the workbench and decides whether and how to quote.

1. Intake
   • Underwriting mailbox connector
   • Broker portal upload
   • Submission grouping
2. Extraction
   • Spreadsheet parser for merged cells and multi-tab schedules
   • OCR for scanned proposals and inspection reports
   • LLM field extractor with line-of-business schemas
3. Normalisation
   • Location table builder with occupancy mapping
   • Sum insured reconciliation
   • Loss history summariser
4. Rules and review
   • Clearance check against submissions and policies
   • Appetite and referral rules from guidelines
   • Assistant review queue with broker query drafts
5. Integration
   • Underwriting workbench or policy admin adapter
   • Geocoding and natural hazard data service
   • Audit log

Underwriting assistants review every flag and approve broker queries before they are sent. Underwriters make all decisions on acceptance, terms and price; the agent prepares the file and never quotes.

• Shared underwriting mailbox on Microsoft 365 or Google Workspace
• Underwriting workbench or policy administration system
• Broker portal
• Geocoding and natural hazard data services
• CRM for broker relationship tracking
• Document management system

• No pricing, acceptance or declinature by the agent
• Appetite and referral rules owned and versioned by underwriting, not inferred by the model
• Every extracted figure linked to its source cell or page
• Location totals reconciled to the proposal sum insured, with differences flagged
• Submissions kept separate by broker so one broker's documents never appear in another broker's file

• Group health census data is personal data under the DPDP Act 2023, so it is masked in logs and access is limited to the underwriting team.
• Keeps underwriting authority with authorised underwriters, consistent with the delegated authority structures insurers already maintain.

• Insurance

  Policy Wording Comparison Assistant

  Align two or more policy wordings clause by clause, highlight what was added, removed, narrowed or broadened, and answer questions with citations to the exact clause.

• Accounting, Audit & Consulting

  Financial Statement Spreading

  Read audited financials, notes and schedules in Schedule III, Ind AS or IFRS layouts and map every line into your spreading template or CMA format, each figure traced to its page.

• Legal

  Contract Clause Extraction and Risk Flags

  Extract key clauses, dates and obligations from executed and incoming contracts, compare them with your playbook and flag deviations, with every item linked to the clause it came from.