Underwriting submission review

Reads each broker submission, checks it against your appetite guide, and sends the underwriter a recommendation to quote or decline.

Live example

Click a step to see how it works.

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When a broker emails a submission to our submissions inbox, read the ACORD application and loss runs: the insured, class of business, revenue, total insured value, and five years of premiums and losses. If anything is missing, like a loss run year or a signed application, draft an email to the broker in the underwriter's Gmail asking for it. Check the submission against our appetite and recommend quote, decline or refer, with reasons. The underwriter decides on a form: quote, decline, or ask the broker for more. Then draft the outcome email to the broker.

Here's the plan:

Read the submission: reads the application and loss runs in each email to the submissions inbox, and notes anything missing.
Check the appetite: checks the submission against your appetite guide and recommends quote, decline or refer, with reasons.
Underwriter decides: emails the underwriter the recommendation and anything missing, with a form to quote, decline or ask the broker for more.
Draft the outcome email: drafts the broker an email in your Gmail with the decision, for you to send.
Ask the broker for what's missing: when the underwriter asks for more, drafts the broker an email in your Gmail listing what's missing. When they send the complete submission back, it starts a new review.

Your appetite guide is in the "Check the appetite" step, and the underwriter is in the settings. Tell me what to change. For example: "Add Texas to the states we write."

Submissions inbox

A broker emails a property and liability submission: an ACORD application with the insured, class of business, state, revenue and total insured value, and loss runs with five years of premiums and losses.

Read the submission

Reads the application and loss runs: insured, class, revenue, insured value and five years of losses.

Check the appetite

Checks the submission against your appetite guide and recommends quote, decline or refer, with reasons.

Underwriter decides

Needs input

Emails the underwriter the recommendation and anything missing, with a form to quote, decline or ask for more.

Waits for a reply

The underwriter quoted or declined.

← Underwriter decides

Draft the outcome email

Drafts an email to the broker in your Gmail with the underwriter's decision, for you to send.

The underwriter wants more from the broker.

← Underwriter decides

Ask the broker for what's missing

Drafts an email to the broker in your Gmail listing what's missing, for you to send.

Step by step

Every broker submission needs reading, checking against your appetite and a decision. Malleable reads the application and loss runs, recommends quote, decline or refer with reasons, and drafts the broker's reply once the underwriter decides.

1A broker emails a submission, and Malleable reads the insured, class of business, revenue, total insured value, and five years of premiums and losses
2It checks the submission against your appetite guide and recommends quote, decline or refer, with reasons
3The underwriter gets the recommendation by email, with a form to quote, decline or ask the broker for more
4It drafts the outcome email to the broker in your Gmail, for you to send
5If something is missing, it drafts an email to the broker in your Gmail listing what, for you to send

What the team gets

Every submission read before an underwriter opens it
A recommendation with reasons from your appetite guide
Broker replies drafted, never sent without you

Apps it uses

Google

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