WorkflowSpecialty & E&S

E&S Clearance

E&S Submission Clearance

Every E&S submission cleared, checked and ranked within the hour, so the best risks get quoted first.

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WorkflowDocuments in; a checked, signed result out.
5specialist agents
5kinds of input
Soonfilm in production
The problem

Why it matters

E&S desks get far more broker submissions than they can quote; clearance, appetite checks and declination paperwork eat the hours meant for the best risks.

What it does

How the solution handles it

Five agents read every submission, clear it against existing accounts and broker of record, check appetite and authority, confirm the declinations a state requires and write a ranked triage note. The underwriter decides what to quote.

How it works

How a submission moves

Five specialist agents read, clear, check appetite and declinations, and rank every submission; an underwriter decides what to quote.

What comes in
Submissions inany broker format · email, ACORD, loss runs, SOV
Agents at work
Submission readerinsured, class, limits
Then
Clearance checkerduplicates, broker
Appetite checkerclass, limit, state
Diligent search checkeradmitted declinations
Then
Triage writerranked, cited note
A person decides
Underwriterdecides what to quote
What comes out
Ranked queue
Cleared file
Quote or decline
In and out

What it reads, and what it hands back.

What goes in

  • Broker submission emails
  • ACORD applications
  • Admitted-market declinations
  • Loss runs
  • Statement of values

What comes out

  • Cleared, ranked submission
  • Appetite and authority check
  • Diligent-search check
  • Triage note

Who uses it

EUE&S underwritersUAUnderwriting assistantsWBWholesale brokersPMProgram managers
What it changes

The difference, in numbers.

Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.

target
45min
from broker email to a cleared, ranked submission
By hand1–2 days
With agents≈ 45 min
target
3
admitted declinations checked where the state requires them
Declinations checked
where the state requires
estimated
2×
the submissions each underwriter can review
TodayWith agents

Source: e.g. 31 Pa. Code §124.5 (three admitted declinations) · rules vary by state · “Target” = design goal, measured in the live solution · “typical” = published figures · “estimated” = our estimate

Built on the engine

5 specialist agents. One person decides.

Submission readeremails and attachments, cited
Clearance checkerexisting accounts, broker of record
Appetite checkerappetite and binding authority
Diligent search checkerdeclinations a state requires
Triage writerranked note, every fact cited
Underwriterdecides what to quote

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