Submission intake
A consistent intake step decides how much rework happens later.
- Capture insured, class, effective date and limits at intake
- Assign an owner immediately, unowned submissions stall
- Flag missing information before approaching markets
Insurance Operations
Operating notes for underwriting and servicing teams.
How specialty teams structure the work between intake and renewal, stage by stage, with the details that keep records clean.
Playbooks
Stage-by-stage operating guidance.
Each note covers the decisions and data that matter at that point in the lifecycle.
Market selection & quoting
Comparing quotes is easier when every quote is captured the same way.
- Record premium, limits, deductible and validity per quote
- Keep declines on the record with a reason
- Track quote expiry so options don't lapse silently
Binding & issuance
The transition from quote to policy is where data usually fragments.
- Carry quote terms into the policy record, not into email
- Confirm effective and expiry dates at bind
- Attach binders and policy documents to the record
Renewal staging
Renewals are a calendar problem before they're a pricing problem.
- Work from expiry dates, not memory
- Open renewal work 90–120 days ahead for specialty risks
- Review loss activity before re-approaching the market
Claims handoff
Claims context belongs on the policy it came from.
- Link every claim to its policy and insured
- Keep status and reserve movements visible to servicing
- Surface claim history at renewal time
Team & ownership
Clear ownership is the cheapest operational improvement available.
- One accountable owner per submission, policy and renewal
- Define who can bind and who can only quote
- Review unassigned and ageing work weekly