Referral Desk
Every risk above an underwriter’s authority reaches the right referrer with a cited summary and a clock.
Why it matters
Referrals travel by email with half the facts; seniors re-read the submission, broker deadlines slip, and the reasons behind a decision are rarely on file for peer review.
How the solution handles it
Agents check every quote against the underwriter’s authority, write a cited referral, route it to the right referrer, watch the broker’s deadline and record the decision with its reasons. A senior underwriter approves, declines or adds conditions; every exception stays on file for peer review.
How a referral moves
Five agents check authority, write the referral, route it, watch the broker’s deadline and record the reasons; a senior underwriter approves, declines or adds conditions.
What it reads, and what it hands back.
What goes in
- Submission and draft quote
- Authority letters and binding authorities
- Underwriting guidelines
- Broker deadline and correspondence
What comes out
- Cited referral summary
- Decision with reasons and conditions
- Authority breach log
- Referral turnaround report
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 · “Estimated” = our estimate · Peer review of authority: Lloyd’s Minimum Standards MS2 (Underwriting and Controls) · 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.
Risk EngineeringEvery survey report read, its recommendations tracked and its COPE facts in the underwriting file within a day.
Data PrefillEvery submission prefilled from permitted outside data, each value sourced and each conflict flagged for review.
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for your team.
We’ll show Referral Desk running on your own documents.