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Give underwriters a complete submission to review

Broker submissions arrive across several emails, often without loss runs or a current schedule of values. Duvo gathers them into one submission, checks it against the desk’s checklist for the class and drafts the request for what is missing.

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Underwriting submission readiness

Needs review

Submission UW-301

Submission status
Incomplete
Missing document
Loss history
Owner
Underwriting desk

The submission has a schedule of values but no claims experience for the period required by the desk’s checklist.

Next action

Request loss history: the broker is asked for the loss runs and the submission stays marked incomplete.

Refer evidence gap: the underwriter receives the supplied records with the missing period noted.

Underwriting owner approval

The underwriting owner approves each broker request and internal handoff before it is routed.

View the wider product queue

Underwriting submission readiness

Commercial property submission with no loss history.

Adds cases
Broker submission inbox
Processes cases
Underwriting submission readiness
Total

24

Pending

5

Postponed

2

In progress

4

Needs input

3

Failed

0

Completed

10

Add filter
Case
Case Status
Submission gap
Scope
Decision
Exceptions
Next action
Submission UW-301
Needs Input
Loss history absent
Commercial property
Request loss history
1
Submission UW-302
In Progress
Schedules conflict
Fleet submission
Confirm current schedule
0
Submission UW-303
Completed
Response attached
Liability submission
Handoff recorded
0
Submission UW-304
Pending
Location address incomplete
Property schedule
Confirm location
1
Submission UW-305
Postponed
Broker reply awaited
Commercial package
Await evidence
0

Showing 5 of 24 cases

  1. 1

    Approval

    Exceptions pause for the named owner

    Each exception carries the source records, applied rule, recommended action, and the person authorised to decide.

  2. 2

    Submission gap

    Submission gap is visible before the action

    The submission has a schedule of values but no claims experience for the period the desk’s checklist requires.

Review an underwriting submission

The commercial property submission arrives in pieces: the broker’s covering email, then the schedule of values, then a revised schedule a day later with different sums insured. The claims experience covers fewer years than the desk requires. An underwriting assistant spends the morning working out which schedule is current before the underwriter can look at the risk.

  1. 0101

    Assemble the submission file

    Duvo groups broker emails and attachments by applicant and submission reference and marks which version of each schedule is current.

  2. 0202

    Check the class checklist

    Duvo compares the file with the checklist for the class of business, flags missing claims experience, exposure fields or conflicting versions and drafts a request to the broker.

  3. 0303

    Your team decides

    Approve the broker request

    The underwriting owner approves the request, or sends the file to the underwriter with the gaps listed.

  4. 0404

    Send the approved request

    The broker receives the approved information request through the agreed channel, and each outstanding item stays assigned to a named owner.

  5. 0505

    Refresh the submission file

    Duvo attaches the broker’s reply, rechecks the requested items and updates the submission record for the underwriter.

Link the broker request to its risk evidence

Systems and control details

Submissions are assembled from broker emails and attachments and checked against the desk’s checklist, first on a sample of past submissions. Classes of business, version rules and broker contact permissions are agreed before Duvo connects to live inboxes.

Broker submission inbox, Exposure schedule, Loss history, Underwriting evidence checklist

  • Underwriting owner approval

    The underwriting owner approves each broker request and internal handoff before it is routed.

  • No underwriting decisions

    Duvo does not judge appetite, set price or terms, quote or bind cover. Uncertain applicant matches stay unresolved for the desk.

  • Preserve the submission record

    The source file, version date, checklist rule and returned information are kept together, separately from the underwriting decision.

What teams ask about Underwriting submission readiness

  • How does Duvo decide which version of a schedule is current?

    It applies the version rules your desk agrees, such as the latest dated document from the broker, and flags conflicts it cannot settle for the underwriting owner.

  • Can the checklist differ between property, liability and fleet business?

    Yes. Duvo uses the checklist your desk supplies for each class of business in scope.

  • Does a complete file mean Duvo has assessed the risk?

    No. A complete file means the documents on your checklist are present. Appetite, pricing and terms stay with your underwriters.

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