Broker uploads a commercial property submission through a web-based intake portal that assigns a submission ID distinct from any eventual policy number. The portal captures attachments in multiple formats: ACORD applications, loss runs, photographs, and supplemental questionnaires. Each document receives its own timestamp and file size marker. A confirmation screen appears with a tracking code, and the submission status reads “Received—Pending Triage.” The portal’s database stores the broker’s agency code and producer identifier, linking the submission to commission tables maintained elsewhere.
Within the underwriting platform, a separate record is generated through an automated import process scheduled at fixed intervals. The submission ID transfers into the underwriting system, but attachments migrate as static files without metadata beyond upload date. The underwriting dashboard lists the new entry among others under a column titled “New Business—Unassigned.” The platform assigns an internal case number that does not appear in the broker portal interface.
Triage Queues
A triage unit accesses the underwriting dashboard and filters submissions by line of business and geographic territory. The screen displays submission IDs, requested limits, and effective dates. Selecting a submission opens a file summary page where imported attachments are accessible through a document tab. The triage underwriter assigns the file to a specific underwriter, triggering a routing event recorded in the activity log.
The broker portal reflects a status update labeled “Assigned to Underwriter,” yet it does not display the internal case number created in the underwriting platform. The two systems synchronize status labels through coded mapping tables maintained in a configuration module. Discrepancies in status occasionally appear during synchronization delays, with one platform indicating “Under Review” while the other continues to display “Pending Assignment.”
Third-Party Data Feeds
Credit scoring vendors and property data providers operate through independent interfaces that feed into the underwriting platform. Upon assignment, the underwriter initiates a data pull through a third-party integration screen. A new tab opens, displaying building characteristics, prior claims frequency, and hazard scores. The vendor report generates a reference number stored in the underwriting file but not transmitted to the broker portal.
Billing codes associated with third-party data pulls post to a financial ledger separate from underwriting workflows. Each data request incurs a transaction entry under a vendor ID, accumulating in monthly statements processed by an accounting module. The underwriting platform logs the data pull as “External Data Retrieved,” recording only the time and vendor category.
Municipal Records
For certain property classes, underwriters access municipal records portals to verify occupancy classifications and permit histories. These portals operate outside the underwriting and broker systems. Permit numbers and zoning classifications are manually entered into underwriting notes fields. The broker portal does not capture municipal verification details, instead maintaining only high-level status indicators.
If municipal records indicate a recent renovation, the underwriter uploads the permit documentation into the underwriting platform. The upload creates a document entry with a timestamp and user ID. The broker portal, upon synchronization, lists an additional “Document Requested” status if underwriting requests clarification from the broker regarding discrepancies. Each platform tracks its own document history, and file naming conventions differ slightly between them.
Repair Network References
In submissions involving prior losses, repair network databases provide historical contractor information. These networks maintain their own claim identifiers, separate from underwriting submission IDs. The underwriter references prior repair invoices stored in the network portal to assess reconstruction quality. The underwriting file may include a downloaded invoice PDF, while the repair network retains original structured billing codes in its ledger.
The broker portal remains unaware of repair network interactions unless underwriting formally requests documentation. Status updates appear in the portal as “Additional Information Required,” without reference to the network system consulted. Internal underwriting notes reference network identifiers not visible to external users.
Legal Intake Interfaces
Certain submissions involving specialized coverage types pass through a legal intake review for manuscript endorsements. The legal system assigns its own tracking number linked to the underwriting case. Draft endorsements circulate within the legal platform, stored as versioned documents with tracked changes visible only to internal staff.
Upon completion, the finalized endorsement is uploaded into the underwriting platform as a static document. The broker portal receives notification that “Policy Forms Updated,” but it does not reflect the internal legal tracking number. The legal intake system retains its own chronological log of revisions, separate from the underwriting activity history.
Scheduling Windows
Site inspections requested during underwriting are scheduled through a field services application distinct from both the broker portal and underwriting platform. Available inspection windows display on a calendar interface, and appointments generate confirmation emails to brokers and inspectors. The scheduling application maintains its own ledger of appointments, including cancellations and rescheduling events.
The underwriting platform updates the submission status to “Inspection Scheduled” once synchronization occurs. The broker portal displays “Inspection Confirmed,” often without listing the exact time window visible in the scheduling application. Adjustments to inspection timing propagate asynchronously, creating temporary differences between platforms until nightly synchronization processes reconcile entries.
Rating Engines
A rating engine operates independently, receiving risk characteristics from the underwriting platform and returning premium calculations. The rating engine generates a quote ID that populates the underwriting file. The broker portal displays premium figures but does not reference the internal quote ID generated by the rating module.
Revisions to rating inputs create new quote IDs within the rating system, each stored in a version history panel. The underwriting platform reflects updated premium figures, and prior versions remain accessible through a quote comparison function. The broker portal displays only the most recent premium indication, without version history detail.
Documentation Layers
As the submission progresses, documentation accumulates across systems. The broker portal lists submitted forms, requested supplements, and status updates in chronological order. The underwriting platform contains internal notes, external data reports, permit verifications, inspection photographs, and endorsement drafts. The legal intake platform stores versioned form language. The scheduling application logs site visits. Each repository maintains its own indexing method and timestamp conventions.
Activity logs within the underwriting platform expand with each routing event, data pull, document upload, and quote revision. The broker portal logs submission updates and information requests. Accounting modules record vendor billing entries tied to data providers and inspection services. Cross-references between systems rely on shared identifiers stored in relational database fields.
Distinct platforms continue processing the broker submission under separate status designations. The intake portal records an “Under Review” classification, the underwriting system retains a pending inspection confirmation entry, the legal module preserves a draft endorsement with version tracking, the rating engine maintains the current quote identifier, and the scheduling application stores a confirmed site visit reference under its own calendar record. Each environment updates transaction fields independently while cross-referenced submission identifiers remain aligned across integrated governance tables.
