Automation
Automated submission triage and routing system for multi-state MGA operation. Analyzes incoming submissions, applies business rules, and routes to appropriate underwriters based on coverage type, authority, and workload.
Client
Mid Market MGA
Services
Submission Processing & Intake Automation
National MGA network writing commercial lines across 30+ states with regional underwriting teams. Processing 2,000+ submissions monthly across multiple product lines including commercial property, GL, auto, and specialty coverages. 40+ underwriters across 6 regional offices operating with decentralized structure and local market expertise. Fast-growing national platform built through acquisition of regional MGAs with strong local presence but struggling to maintain operational efficiency at scale. Regional offices operate semi-independently with different underwriting authority levels and specializations, coordinated by central intake team attempting to manage submissions across all locations.
The carrier had a 3-week backlog of unprocessed submissions. Two full-time staff did nothing but manually key data from applications into the policy management system. Document formats varied wildly - broker applications, carrier-specific forms, ACORD forms, handwritten supplements, and scanned historical documents.
Previous attempts with generic OCR software failed because insurance documents are too complex. Loss runs have inconsistent formats across carriers. Applications include checkboxes, tables, and narrative sections that standard extraction can't handle. The carrier needed accuracy that mattered - extraction errors created E&O exposure.
Multi-Channel Submission Monitoring
Continuous monitoring of email inboxes, broker portals, web forms, and API submissions. Unified intake process handles all submission sources with consistent classification and routing logic.
Workload Balancing and Distribution
Real-time workload tracking across all underwriters. Intelligent distribution considers current queue depth, submission complexity, and underwriter expertise. Prevents overload while maintaining efficiency.
Intelligent Business Rules Engine
Comprehensive routing logic considers coverage type, geography, premium size, risk characteristics, and underwriting authority. State appointment validation ensures submissions only route to properly appointed offices. Authority limits enforced at system level.
Machine Learning Risk Classification
Pattern recognition identifies submissions similar to previously declined risks or outside appetite. Flags complex submissions requiring senior review or multiple underwriters. Continuous learning improves routing accuracy over time.
We’ve been Helping the Leading European IT Companies Create Software Since 1988
Get Started
