Deploy an Underwriting Submission Preparation Agent and Market Faster
The AgentWorks Underwriting Submission Preparation Agent takes submission assembly off your commercial account managers and producers, the people who should be walking a contractor through a renewal or sitting down with a restaurant owner about a new location. The agent builds the ACORD applications, formats the package for each carrier and sends it the way each carrier wants it. Your producers stay with the insured.
What it takes off your plate
Here is a commercial submission at most independent agencies. The producer wins the chance to market a general liability, property and auto package. Then the account manager opens the agency management system, copies the insured's details onto an ACORD application, and starts over for the next carrier. One market takes a PDF upload by email. Another requires every field typed into its portal. A third wants its own supplemental application on top of the ACORD.
By the third carrier, the account manager has entered the same payroll, revenue and loss history several times, and one typo means an underwriter question that stalls the quote. The cost is hours of re-entry on every account you market, and a producer who waits on quotes instead of calling the insured back.
What the Underwriting Submission Preparation Agent does, step by step
The Underwriting Submission Preparation Agent starts with the messages that get a submission complete and in front of the underwriter.
- Asks the insured for what is missing. If the file lacks a current schedule of locations, a fleet list or updated revenue, the agent emails or texts the insured's contact with exactly what is needed and follows up until it arrives.
- Confirms the submission with the underwriter. When the package goes out, it sends each underwriter a short cover note summarizing the risk and what is attached, in the channel that underwriter uses.
- Tells the producer where things stand. It lets the producer know which carriers have the submission and which are still waiting on a document from the insured.
- Populates the ACORD applications. It fills the ACORD forms for each line from your agency management system and the client file, so the account manager reviews rather than retypes.
- Formats for each carrier. It reformats the risk package to each carrier's preferred submission method and attaches the right supplemental questionnaire for that carrier and class of business.
- Submits through each carrier's channel. It uploads, emails or enters the submission in the portal each carrier uses, and records the confirmation.
The agent prepares and submits what your account manager approves. The licensed producer owns the recommendation and the relationship.
Where the work is recorded
Every request to the insured and every note to an underwriter is logged on the account's record in the CRM your agency already uses. When the insured calls to ask whether their renewal is out to market, whoever answers sees each carrier, what was sent and when, and picks up exactly where the agent left off.
The completed ACORD applications, supplementals and carrier confirmations attach to the account in your agency management system, so the same data carries into the proposal and the bind. The next morning your account manager sees submissions out by carrier, files waiting on the insured, and any underwriter question that came in overnight. An agent that could not record that is a chatbot.
For the quoting side of this work, read the commercial quoting tools independent agencies use and what manual carrier quoting costs an agency and how to fix it.
What your people do instead
Your producers visit the job site, walk the building, and ask the questions that make a better submission. Your account managers review packages, answer underwriter questions with judgment, and take the insured's call about a certificate without putting it off. The agency owner sees commercial accounts marketed on time instead of the week before renewal.
Business owners stay with the agency that shows up, understands their operation and brings back options before the renewal date. The Underwriting Submission Preparation Agent keeps the forms and the submissions moving so your people can spend their time with the insured in front of them.
One next step
Submission prep may be your first agent, or quoting and service requests may come first. The free Insurance Industry Assessment reviews your commercial, service and renewal workflows and shows which one an agent should take first. To see every insurance agent AgentWorks deploys, visit the insurance industry page.
See where the Underwriting Submission Preparation 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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