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Give underwriters a complete submission to review

A broker submission can lack the loss history or exposure schedule an underwriter needs. Duvo would assemble the supplied records and prepare the missing-information request.

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Proposed application

This proposed workflow prepares evidence and administrative follow-up. Risk appetite, pricing, eligibility, coverage terms and binding remain the insurer’s decisions. A complete checklist is not underwriting approval.

Underwriting submission readiness · Illustrative

Illustrative review

Submission UW-301 · Synthetic

Submission status
Incomplete
Missing document
Loss history
Owner
Underwriting desk

The submission includes an exposure schedule but no loss history for the period required by the underwriting desk’s checklist.

Next action

Request loss history: send the approved checklist request to the broker and retain the submission as incomplete.

Refer evidence gap: pass the supplied records and missing period to the underwriter for a decision; no quote or cover is issued.

Underwriting owner approval

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

Illustrative workflow example
View the wider product queue

Underwriting submission readiness · Illustrative

Proposed workflow using synthetic records.

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
Schedule conflicts
Fleet submission
Check current schedule
0
Submission UW-303
Completed
Response attached
Liability submission
Handoff recorded
0
Submission UW-304
Pending
Location incomplete
Property submission
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 includes an exposure schedule but no loss history for the period required by the underwriting desk’s checklist.

Illustrative workflow example

Review an underwriting submission

Submissions arrive as email threads and attachments, with exposure schedules or loss histories supplied separately. The underwriting desk must work out which version is current and what is still missing before a specialist can assess the risk.

  1. 0101

    Assemble the submission file

    Duvo would group the broker correspondence and supplied schedules by applicant and submission reference, keeping version dates visible.

  2. 0202

    Check the evidence checklist

    Duvo would compare the records with the insurer’s checklist for the selected class of business and flag missing loss history, exposure fields or conflicting document versions.

  3. 0303

    Your team decides

    Approve the broker follow-up

    The underwriting owner would approve an information request or route the documented gaps to the underwriter. The insurer retains all risk selection, pricing and binding decisions.

  4. 0404

    Route the approved request

    Duvo would send the approved administrative request through the agreed channel and keep the outstanding items with their named owner.

  5. 0505

    Refresh the underwriting handoff

    Duvo would attach the broker’s response, recheck the requested items and update the agreed submission case. It would log delivery of the approved request and confirmation of the case update, while leaving underwriting acceptance with the insurer.

Link the broker request to its risk evidence

Systems and control details

Bring a sample of commercial submissions and the desk’s evidence checklist. Agree the class of business, document version rules and broker contact permissions before evaluating a connected process.

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

  • Underwriting owner approval

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

  • Keep risk decisions with underwriting

    Uncertain applicant matches or missing required documents remain unresolved. Evidence completeness does not authorize a quote, risk acceptance or cover.

  • Preserve the submission record

    Keep the source file, version date, checklist rule and returned information together. Record the administrative handoff separately from the insurer’s underwriting decision.

Contracted guarantee

5x ROI, guaranteed

If measured results fall below 5x the total proposal price, the whole contract is free.

What teams ask about Underwriting submission readiness

  • When does Underwriting submission readiness run?

    A new business submission reaches the underwriting desk with missing or conflicting risk information.

  • Who owns Underwriting submission readiness?

    Underwriting operations leaders and commercial insurance underwriting assistants

Related processes