Turn a messy submission into a defensible underwriting decision.
A middle-market underwriting workbench that preserves source documents while structuring exposure, loss history, appetite, authority, pricing, and broker communication.
Scale and interface figures on this page are illustrative.
Preserve judgment. Structure the evidence.
Underwriting remains a professional decision; the software makes source facts, assumptions, appetite logic, authority, and version history inspectable.
Fragmented context
ACORD forms, schedules of values, loss runs, emails, supplemental applications and broker notes arrive as one submission but not one dataset.
Decision logic
Appetite and authority rules should guide judgment without pretending underwriting is deterministic.
Operational handoff
Pricing changes as limits, deductibles, attachments, credits and assumptions change; every version needs lineage.
One risk file, many source documents.
The workbench turns an unstructured broker package into a governed decision record without hiding provenance.
Submission intake
Email ingestion, clearance, extraction, document provenance and completeness checks.
Risk workspace
Locations/exposures, operations, controls, loss history, catastrophe context and narrative.
Appetite
Rule evaluation with explainable pass/refer/decline outcomes and override path.
Pricing scenarios
Rate, exposure basis, modifiers, limits, deductible, premium and version comparison.
Authority
Referral thresholds, approver chain, exception rationale and bind permissions.
Quote versions must be defensible.
Every commercial scenario carries assumptions, authority state, referral history, and the evidence used to support it.
Representative application states.
Representative application states from the product. Figures shown on screen are illustrative.
New business
Property · Northeast
Submission desk
| Insured · broker | Class | TIV | Documents | Status | UW | Expires |
|---|---|---|---|---|---|---|
| Hearth & Mill Foods Marsh & Rowe | Food manufacturing | $42.8m | 92% | Referral | MK | 22d |
| North Coast Plastics Delaney Brokerage | Plastics | $18.4m | 71% | Need info | JT | 35d |
| Vera Hospitality Marsh & Rowe | Hotels | $61.0m | 84% | Need info | MK | 19d |
| Brightwater Cold Storage Corvo Partners | Cold storage | $27.6m | 100% | Cleared | AL | 41d |
| Kessler Auto Group Delaney Brokerage | Auto dealers | $33.1m | 96% | Cleared | JT | 28d |
| Ridgeline Logistics Corvo Partners | Warehousing | $52.3m | 100% | Cleared | AL | 16d |
| Pell Street Apartments Marsh & Rowe | Multifamily | $24.9m | 58% | Need info | MK | 12d |
| Oakmoor Steel Delaney Brokerage | Metals | $70.2m | 100% | Referral | AL | 30d |
Hearth & Mill Foods
Property package
Risk file
| Loc | Description | TIV | Protection |
|---|---|---|---|
| 04 | Riverside cold storage Masonry non-combustible | $13.3m | ESFR |
| 01 | Main plant & offices Joisted masonry | $6.2m | Wet sprinkler |
| 02 | Ambient warehouse Masonry non-combustible | $4.8m | Wet sprinkler |
| 03 | Blast freezer annex Non-combustible | $4.1m | ESFR |
| 05 | Distribution hub Masonry non-combustible | $3.5m | Wet sprinkler |
| 06 | Packaging line Non-combustible | $2.9m | Partial |
| 07–11 | Five smaller locations | $8.0m |
Loss history
| Date | Cause | Incurred |
|---|---|---|
| 2025-03 | Freezer compressor fire | $118k |
| 2023-08 | Frozen pipe water damage | $41k |
| 2022-11 | Theft | $27k |
Source ACORD 140 · p.3
Every extracted value links back to its source page.
Structure scenarios
Compare before referral
Pricing scenarios
Scenario A
$188.0k$100k deductible · Blanket limit- Credit
- 3.8% credit
- vs target
- +$12.0k
Scenario BLocked for referral
$171.0k$250k deductible · Location schedule- Credit
- 12.5% credit
- vs target
- −$5.0k
Scenario C
$181.3k$100k deductible · Layered wind option- Credit
- 7.2% credit
- vs target
- +$5.3k
Scenario B build-up $ thousands
Rule evaluation
Hearth & Mill Foods
Appetite
| Rule group | Rules | Pass | Refer |
|---|---|---|---|
| Class & occupancy | 5 | 5 | 0 |
| Geography & catastrophe | 4 | 3 | 1 |
| Construction & protection | 5 | 4 | 1 |
| Loss experience | 4 | 3 | 1 |
| Limits & structure | 4 | 4 | 0 |
Each outcome is explained. An underwriter can override any rule with a written reason, which routes to referral.
Referral packet
REF-2841
Referral packet
Approval chain
- Underwriter · M. KesslerSubmitted with scenario B lockedSep 24
- Referral manager · D. OrtizRequested updated roof inspectionSep 25
- Regional head · A. LindqvistNot yet routed—
Rationale
Preferred broker, strong protection at the largest location and a clean five-year record apart from one closed fire loss. Credit above authority is requested for the deductible structure.
Credit against authority
Packet
Failure states are part of the product model.
The cases below are intentionally modeled because real operating software is defined by what happens when data, people, or dependencies do not line up.
Broker sends revised SOV
Create a new document/exposure version and show which pricing scenarios became stale.
Authority changes mid-quote
Existing approved quote preserves its authority evidence; new scenarios evaluate against current rules.
Extraction confidence is low
Require human validation and keep the exact source page visible beside the field.
The data model behind the interface.
The interface follows the domain relationships and rules below.