Know The Underwriting™
What goes into an underwriting decision, and what can an independent agent learn from it?
Know The Underwriting™ brings experienced specialists into the conversation to explore how risks are evaluated, which details matter, and where professional judgment makes a difference. Through direct questions and answers, we connect the underwriting perspective to the work agents do for their clients.
The Agent Was Off to a Rocky Start: The Château Account
A historic château. An enthusiastic producer. One open claim, a laboratory, and a developing news story. Daniel Reed returns with an account he is certain fits the habitational program. Alison Grant has questions.
The Underwriter Had Questions: Ricky Bobby’s Return to Racing
An underwriter’s morning newsfeed meets Ricky Bobby’s return-to-racing action report. Blindfolds, a cougar, and several questions for the agent.
The Underwriter Had Questions. Again.
An established college. An enthusiastic producer. Then the underwriter starts asking questions. Follow a fictional email exchange as a promising account becomes increasingly difficult to explain.
The Underwriter Had Questions: The Untold Story
An enthusiastic producer. A substantial manufacturing account. And a new-business opportunity that appeared to fit perfectly within the carrier's underwriting appetite.
Then the underwriter opened the attachments.
What followed was an extraordinary series of questions that even an experienced underwriter might never have imagined asking.
Sometimes, the real story isn't the one presented in the submission.
AI May Know Everything About Underwriting. But Does It Know Everything About the Risk?
Artificial intelligence is transforming commercial insurance underwriting, but can it truly know everything about the risk? From property exposures and Business Income to Commercial Auto and Workers Compensation, we explore AI's remarkable analytical capabilities, how it gathers information, and the critical limitations that even advancing technology may never fully overcome.
The Submission Your Underwriter Will Want to Work On
A complete submission gives an underwriter the documents. A compelling one explains the risk, the opportunity, and why their market was chosen. Here’s how producers and account managers can bring their knowledge together so the account earns a closer look.
What You Need to Know Before the Appointment: Call the Underwriter
Before visiting a commercial prospect, call the underwriter. They may know why the account was declined, why it never moved, or what has changed since. A short conversation can tell you what to investigate on site and whether there is a real opportunity to win the account.
How is AI changing the way underwriting gets done, and where do human judgment and relationships still make the difference?
AI can help underwriters gather information and spot patterns, but a sound decision still depends on people asking what is missing and understanding the risk. Four insurance professionals share where AI helps and why judgment and relationships remain essential.