Carriers can start the Submission process on behalf of the insured or broker. To start a submission as a carrier, navigate to the Submissions page by clicking the Submissions tab on the sidebar. Select the New Submission button at the top right on the Submissions page. Clicking this button opens a new page where you can input the application details. The submission process is divided into seven pages:
  • Upload Files: On this page, you may upload any related documents for the application, such as application forms, loss runs, and other related files. Once the files are uploaded, click the Next button to proceed.
  • Quote Details: This page specifies the quote information and the binding settings. The fields in this section are:
    • Primary insured: Enter the name of the primary insured of the policy. Do the following if the insured does not exist on the platform:
      • Enter the insured’s name in the field and select Create new insured [name of the insured] to open the Create New Insured page.
      • Input the insured’s information.
      • Select the Create button to save, and you will be redirected to the Quote Details page.
    • Policy Number: Enter the policy number. If your company has auto-generation enabled for policy numbers, the number will be generated when the quote is bound. The placeholder will display Auto-generated when bound.
    • Policy Start Date: Enter the date the insurance coverage begins.
    • Policy End Date: Enter the date the insurance coverage ends.
    • Policy Type: Select the category or kind of insurance issued from the dropdown options.
    • Time Zone: Select the time zone relevant to the policy’s operations or issuance.
    • Broker: Input the broker who facilitated the insurance policy. Do the following if the broker does not exist on the platform:
      • Enter the broker’s name in the field and select Create new Broker [name of the broker] to open the Add Broker modal.
      • Fill out this modal with your Broker information.
      • Select the Add Broker button to redirect you to the Quote Details page.
    • Underwriter Notes: Add additional notes or remarks made by the underwriter during policy creation.
    • Bind Settings: You can configure Bind settings using the following options:
      • Allow the Insured/Broker to Bind the Quote: Enable this option to grant the insured or broker the authority to bind a quote after reviewing it.
      • Add Binding Conditions to the Quote: Click the Add Binding Conditions button to specify conditions that must be reviewed before the quote can be bound.
  • Insureds: This section lists the insured individuals or entities. It is divided into three columns:
    • Insured’s Name
    • Entity Type (what is being insured)
    • Relationship to the Policy
To add another insured, search through the Add or Create Insured search bar, select an existing insured from the list, specify the entity type and relationship to the policy, and click Next to proceed. If the insured does not exist, enter the name of the Insured in the search bar and click the Create new Insured [name of the Insured] selection. This action redirects you to the Create New Insured page. On this page, input the insured information and click the Create button at the top right to redirect you to the Insureds page.
  • Coverages: This page defines what the quote covers. This page is split into three:
    • Premium and Fees: This section displays the policy premium and lets you add additional fees. You must first add your Lines of Coverage to view the policy premium. You can also make custom adjustments to the policy premium by clicking the Show Policy-Level Rating Factors link. Enter the name of the custom adjustment and the adjustment amount. Once added, the updated policy premium will be displayed immediately. These adjustments apply to the total policy premium. Toggle the percentage button next to the search bar if the adjustment amount is fixed (not a percentage).
    • Policy Aggregates: In this section, you add the limits to your policies. To add a limit, click the Add a Limit button and input the Limit Type and Limit Amount.
    • Lines of Coverages: This section outlines the details of the coverage of the quote in the event of an incident. To add a line of coverage, click the Add Coverage button. This action will open a new page where you can select:
      • The line of coverage and its preset.
      • Whether the defense is covered inside or outside the limit.
      • The limits for each limit type are set automatically based on the preset. . You can change the Limit Types by selecting from the dropdown.
      • Set individual limits for each insured based on their risk profile.
      • Add deductibles, and specify whether you want different deductibles for each insured listed on the Insured page.
      • Define retroactive dates, which determine how far back coverage applies. You can also add different retroactive dates for each insured if needed.
Once you finish this section, click the Add Coverage button to redirect you back to the Coverages page. On the Coverages page, you should see the policy premiums and Fees. 5. Billing: The Billing page, available exclusively for Premium Billing users, displays the total amount due, including taxes and fees. To add a new item, you must provide its name, specify the amount type, and indicate the payment category. Additionally, you must select the payment period, choosing between a one-time annual payment or installments spread across quarterly or monthly payments. You should also enter the recipient’s email address and decide whether to send the bill automatically based on the selected payment period. 6. Quote Forms: In this section, you can select documents you’ve previously created for the applicant to review or sign before binding the quote. Typically, this involves specifying which forms should be included in the policy. For guidance on creating forms, refer to the Smart Tags documentation. To add a form, browse the Available Forms list and click the ”+” button on the desired form. You can also rename or edit the form and include smart tags. To rename a form, input your preferred name in the field at the top. If you want to add a smart tag, position your cursor where you’d like the tag to appear, then use the sidebar on the right to search for and select the appropriate tag. Once added, the information associated with the smart tag will automatically populate the form. For more details about smart tags, refer to the Smart Tag documentation. Click the Next button to lead you to the Review and Send page. 7. Review and Send: Finally, review and send the quote. When sending the quote, you will be prompted to specify the recipient. Choose either the Broker only or both the Broker and the Primary Insured. If you choose the latter, add the Primary Insured’s details before sending the quote. Once you’ve finished with the quote, you can, depending on your bind settings, either allow the Insured or Broker to bind the quote or bind it yourself as the Applicant. Alternatively, you can choose to cancel or delete the quote. To learn how to Bind a Quote, check out the official documentation