Your Risk Assessment Data Gathering Agent Chases Every Loss Run
The AgentWorks Risk Assessment Data Gathering Agent takes the document chase off your commercial producers and the account manager who supports them. Today a commercial submission needs loss runs from prior carriers, property values, driver lists, vehicle schedules, financial statements and an operations questionnaire, each arriving from a different place on a different timeline. The Risk Assessment Data Gathering Agent asks for every piece, follows up until it arrives, and keeps the producer with the prospect instead of the inbox.
What it takes off your plate
Ask a commercial producer where a deal stalls and you rarely hear price first. You hear loss runs. The prospect promised to request them from the current carrier and forgot. The controller said the financials were coming next week. The fleet manager is on the road with the vehicle schedule on his laptop.
Meanwhile the renewal date approaches and the markets want a complete submission. Send it incomplete and the underwriter declines or quotes with unfavorable terms. Wait for everything and a competitor gets there first. So the producer spends evenings sending reminder emails, and the account manager keeps a spreadsheet of what is missing. That time comes straight out of selling.
What the Risk Assessment Data Gathering Agent does, step by step
The Risk Assessment Data Gathering Agent starts with the requests, then does the checking and assembling.
- Sends the prospect a clear list. As soon as the producer opens the opportunity, the agent emails the prospect's contact a plain list of what the markets need, with who usually holds each item: the controller, the fleet manager, the operations lead.
- Requests loss runs from prior carriers. With the prospect's signed authorization, the agent requests loss runs directly from the prior carriers, then follows up until each arrives.
- Follows up by person and item. Each contact gets reminders only about the items they own, by email or text, at a steady pace until the item arrives.
- Tells the producer what is stuck. When an item is holding up the submission, the agent tells the producer so a single personal call can unstick it.
- Builds the checklist by risk type. A contractor, a restaurant and a trucking operation need different documents. The agent builds the submission checklist for the risk type and marks each item as it comes in.
- Checks each document. It confirms loss runs are current and cover enough years for the markets you use, that driver lists match the vehicle schedule, and that the questionnaire is complete and signed.
- Assembles the package. Once complete, the agent assembles the underwriting package in the format each carrier prefers, ready for the producer or account manager to review and submit.
Where the work is recorded
Every request, reminder and reply lands on the prospect's record in the CRM your agency already uses. Anyone who opens the account sees what was asked, from whom, when, and what came back.
The documents and the submission itself go into your agency management system, such as Applied Epic or HawkSoft, attached to the opportunity, so the file is complete when the account binds.
What the producer sees the next morning: each open commercial opportunity with its checklist, the items received overnight, the items still outstanding with who owns them and when they were last asked, and any submission ready for review.
What your people do instead
With the Risk Assessment Data Gathering Agent carrying the chase, your producers stay with the prospect: walking the job site, understanding how the business really operates, and explaining coverage options to the owner. That is the work that wins commercial accounts, and it is where a producer's judgment matters.
Your account managers stop keeping side spreadsheets of missing items and spend their time on service for the policyholders already on the books. And the prospect notices the difference as well: one clear list, reminders only about what they owe, and a producer who calls about the business rather than about paperwork.
Once the package is ready, the next steps are quoting and underwriter follow-up. See how a carrier communication agent chases underwriters and how a policy quoting agent builds the comparison.
One next step
The free Insurance Industry Assessment reviews your commercial submission, quoting and service workflows and shows which one an agent should take first. To see the AgentWorks Risk Assessment Data Gathering Agent with the other agents built for agencies, visit the insurance industry page.
See where the Risk Assessment Data Gathering Agent would start in your insurance business.
I'm Franklin, the Insurance ambassador here. The free Industry Assessment reads your website and asks how calls, follow-ups and records happen today, then shows the first workflow worth handing to an agent like this one — and what your team gets back. Leave your email and I'll send the link.
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