File Audit
Every underwriting file checked against guidelines, authority and filed rates, not a small quarterly sample.
Why it matters
File audits and peer reviews sample a few files a quarter; errors in authority, rating and forms are found late, often by a regulator or a delegated-authority audit.
How the solution handles it
Agents read each bound file, test it rule by rule against guidelines, authority and filed rates and forms, and write cited findings. The underwriting auditor confirms each finding and signs; trends by team and rule feed training and guideline updates.
How a file moves
Five agents read each file, test guidelines, authority, rates and forms and write cited findings; an underwriting auditor confirms each finding and signs.
What it reads, and what it hands back.
What goes in
- Underwriting files, submission to bind
- Underwriting guidelines and authorities
- Filed rates, rules and forms
- Referral and peer-review records
What comes out
- Cited audit findings per file
- Error rate by team and rule
- Remediation list with owners
- Regulator-ready audit pack
Who uses it
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” = design goal, measured in the live solution · “Typical” = North Carolina DOI market conduct exam tolerances (NAIC Market Regulation Handbook sampling) · agents = the live solution’s configuration
5 specialist agents. One person decides.
More in this division.
Any underwriter asks a guideline question in plain words and gets an answer cited to the current manual page.
Referral DeskEvery risk above an underwriter’s authority reaches the right referrer with a cited summary and a clock.
Risk EngineeringEvery survey report read, its recommendations tracked and its COPE facts in the underwriting file within a day.
Build this
for your team.
We’ll show File Audit running on your own documents.