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Underwriting agent

Submission intake

Every broker submission read, from the email to the ACORD forms, the schedule and the loss runs, keyed into your underwriting system and checked against your appetite before an underwriter opens it.

  • $12,500 fixed
  • Live in 3 to 6 weeks
  • Yours to keep
Let’s build your agent How it works
The review screen for Submission intake: four items, three done, and one (Outside appetite) waiting for the underwriter, who is asked: Roofing is outside your appetite for this program. Decline or refer?
How it works

Twelve attachments in, one clean submission out.

Here’s a typical run, step by step: what automation handles, what the agent does, and the calls that stay with your team.

The workflow for Submission intake, in 5 steps. It starts with “A broker sends a risk” and ends with “Ready for an underwriter”. Each step lists what automation, the agent and your team do there.
Submission intakeA typical run
Starts withA broker sends a riskBrightline Brokers emails Kettering Roofing for general liability: forms, loss runs and a schedule.
Automation: Saves the email and its attachments against a new submission and matches Brightline to its broker record.
The agent: Works out which file is the ACORD 125, which is the 126, which is the loss runs and which is the schedule, whatever they’re called.
~25h/mo

Step 1 of 5Open the email

  • Automation

    Saves the email and its attachments against a new submission and matches Brightline to its broker record.

    The sender’s address matches one broker record.

  • The agent

    Works out which file is the ACORD 125, which is the 126, which is the loss runs and which is the schedule, whatever they’re called.

    Brokers send “scan0042.pdf” and “KR final v3”. The file name says nothing about what’s inside.

Reads
  • Shared inbox
Writes
  • Underwriting system

~25 hours a month back

The agent: Reads the named insured, address, class, revenue, payroll and limits off the forms, and marks any field it couldn’t read cleanly.
~70h/mo

Step 2 of 5Key in the risk

  • The agent

    Reads the named insured, address, class, revenue, payroll and limits off the forms, and marks any field it couldn’t read cleanly.

    The same revenue figure sits in a box on the ACORD, a line in the email and a note on page three, not always the same.

Reads
  • Shared inbox
Writes
  • Underwriting system

~70 hours a month back

Where teams differPayroll by class code, or revenue and no payroll at all: it depends how the program prices.

Automation: Confirms the ACORDs are signed and five years of loss runs are attached, and notes anything your list says is missing.
The agent: Matches the schedule of locations to the addresses on the ACORD, and writes to Brightline for any document that’s missing or unreadable.
~30h/mo

Step 3 of 5Check it’s complete

  • Automation

    Confirms the ACORDs are signed and five years of loss runs are attached, and notes anything your list says is missing.

    What counts as complete for each line is a list you already keep.

  • The agent

    Matches the schedule of locations to the addresses on the ACORD, and writes to Brightline for any document that’s missing or unreadable.

    A schedule can list twelve locations in a table and a thirteenth in a footnote.

Reads
  • Underwriting system
Writes
  • Underwriting system
  • Shared inbox

~30 hours a month back

Where teams differFive years of loss runs is common. Some desks take three, or a broker’s letter for a new venture.

The agent: Finds that Kettering does roofing, which this program’s appetite guide excludes, and points to the page that says so.
IfYour team: Decides whether to decline Kettering Roofing back to Brightline or refer it to a program that writes roofers.
~18h/mo

Step 4 of 5Hold it to appetite

  • The agent

    Finds that Kettering does roofing, which this program’s appetite guide excludes, and points to the page that says so.

    A firm called “exterior contractors” can still work on roofs. The guide lists trades, and a name doesn’t say which.

  • Your teamIf outside your appetite

    Decides whether to decline Kettering Roofing back to Brightline or refer it to a program that writes roofers.

    Turning a broker down, or sending the risk elsewhere, shapes the relationship. It’s the underwriter’s name on it.

Reads
  • Appetite guide
Writes
  • Underwriting system

~18 hours a month back

Automation: Puts each ready submission in the underwriters’ morning queue with the broker’s quote deadline beside it.
~8h/mo

Step 5 of 5Queue it up

  • Automation

    Puts each ready submission in the underwriters’ morning queue with the broker’s quote deadline beside it.

    Once a submission is complete and in appetite, where it goes next is set by line and date.

Reads
  • Underwriting system
Writes
  • Underwriting system

~8 hours a month back

Ends withReady for an underwriterKeyed into the underwriting system with every document filed, or with an underwriter for an appetite call.
Total~151h/mo

What changes

ACORDs, loss runs and schedules get keyed in as they land. Underwriters open a submission that’s complete and checked against appetite, or know why it isn’t.

  • 3steps automated
  • 4steps for the agent
  • 1call kept with your team

Pick any step to see what happens there and why it sits in that lane.

What it could be worth

~151 hours a month back

$87,000 a year in time

For an MGA seeing about 600 broker submissions a month, at $48 an hour. We work out yours from your own volumes before you sign.

Let’s build your agent
What we customize with you

One proven agent, plugged into how you work.

Every team does this job a little differently, so we set these five with the people who do it today. We’ve done this in dozens of businesses, so we know where teams usually differ and ask about those first.

The agent

Same for every client
  • Follows the same proven steps
  • A person on every exception
  • Every decision logged
  • Tested on your past work first
  • Never quotes, binds or declines on its own

  1. Your systems

    Where the work comes in, and where the result goes.

    For this agentBroker emails and attachments, keyed into your underwriting or policy system.

  2. Your rules

    The limits and exceptions it works to.

    For this agentYour appetite guide, and what counts as a complete submission for each line.

  3. Your team

    Who signs off, and who covers when they’re away.

    For this agentThe underwriter for every appetite call, a supervisor for referrals.

  4. Your channels

    Where your team hears from it.

    For this agentEmail to brokers, and a morning queue for underwriters.

  5. Your output

    What it hands back, in the format you already use.

    For this agentA submission ready to quote, or a clear list of what the broker still owes.

Claims intake and certificate requests are their own agents in this catalog. Pricing and the decision to write the risk stay with your underwriters.

What you get

The agent, and everything that keeps it working.

  • The agentRunning on your systems, under your rules.
  • The review screenWhere the exceptions land for your underwriters and underwriting assistants.
  • Your rulebookYour limits, exceptions and who signs off, in one place, often for the first time.
  • A test reportYour past broker submissions, run through it and checked against the number.
  • The runbookHow it works, what to check, and what to do if it stops.
  • 30 days of tuningAfter it goes live, through a full month of your real broker submissions.
The number we agree

Minutes from a submission arriving to ready for an underwriter. We measure it before we start, and again at day 30.

How we get there

Live in 3 to 6 weeks. About seven hours of your time.

We do the building. Your side: access, a quarter of past submissions and your appetite guide, and a short weekly check-in.

  1. Before kickoff

    We send the access checklist.

    You, 2 hours. Access, an owner, and a quarter of past submissions and your appetite guide.

  2. Weeks 1 to 2

    We connect your systems and set it up.

    You, 1 hour. Walk us through your rules.

  3. Weeks 2 to 4

    We test it on your past broker submissions.

    You, 1 hour. Review what it flagged.

  4. Weeks 3 to 6

    It runs beside your team, then goes live.

    You, 1¼ hours. Work from the review screen.

Then 30 days of tuning, with a short check-in each week, about two hours of yours. At day 30 we show you the number and hand everything over.

After it’s live

It keeps running whether or not we stay.

  • It runs in your accounts

    Your cloud, your systems, and an AI account in your name, billed by the provider at their rates.

  • Changes in the first 30 days are included

    A new rule, a changed limit, someone new signing off. That’s what tuning is for.

  • After that, your call

    Your team edits the rulebook, the care plan covers it, or a bigger change is quoted first.

Questions

About this agent.

Can it read our brokers’ messy attachments?
Yes. It reads the ACORD forms, schedules and loss runs in whatever format they arrive, and asks for a better copy when one can’t be read.
Will it decline submissions?
No. It checks each one against your appetite and flags the ones outside it. An underwriter makes every call.
Our process isn’t quite like this. Will it still work?
That’s the usual case. The job looks the same in most businesses, but the details never do. We map how your team does it today, then set the rules, systems and approvals to match. That’s what most of the 3 to 6 weeks are for.
How do we agree the number?
Together, before any work starts. For this agent it’s the minutes from a submission arriving to ready for an underwriter. We measure it before we start, and again at day 30.
What does it cost to run once it’s live?
Hosting and AI, paid straight to the providers, not through us. It usually runs 5x to 25x cheaper than doing the same work by hand, and we work out your figure from your real volumes before you sign.

Want every submission ready before an underwriter opens it?

Tell us how your team handles broker submissions today. We’ll show you this agent on examples like yours, and whether it fits the fixed price.

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  • 3 to 6 weeksto live, then 30 days of tuning
  • $12,500fixed, per agent
  • Yours to keepno license fees
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