Submission Review, Automated
Upload the submission — SOV and loss runs for commercial property, claims history and credentialing for healthcare professional liability, or operations and claims history for general liability. The agent extracts structured risk data, scores it, flags exposure and history patterns, catches contradictions between documents, and suggests a review tier — so your underwriters spend their time on judgment, not data entry.
It does not quote, price, bind, decline, or non-renew coverage — it prepares findings for a licensed underwriter to review.
01 · Industries
SOV, loss runs, application, and inspection reports. Per-location COPE extraction, CAT/hazard flags, loss-history patterns, valuation red flags.
Open for Property →Application, claims history, credentialing files, and NPDB reports. Per-provider practice profile, credentialing/NPDB flags, claims-history patterns, coverage adequacy.
Open for Healthcare →Application, claims history, and certificates of insurance. Operations & subcontractor exposure, contractual liability review, claims-history patterns.
Open for General Liability →Application, vehicle schedule, driver records, and loss runs. Per-vehicle fleet extraction, driver risk signals, hazmat/radius-of-operation flags, loss-history patterns.
Open for Commercial Auto →Application, class code/payroll schedule, experience modification worksheet, and loss runs. Per-class-code payroll extraction, experience modification review, monopolistic-state Employers Liability gap check, loss-history patterns.
Open for Workers' Compensation →Application, security controls questionnaire, and prior incident history. MFA/EDR/backup control audit, data exposure profile, incident history, minimum-controls binding gap check.
Open for Cyber Liability →Application, financial statements, prior claims history, and governance documents. Governance & financial profile, corporate activity, IPO/SPAC heightened-scrutiny gate, Side A/B/C coverage structure.
Open for D&O →Application, HR policy documents, and prior EEOC/employment litigation history. Employee profile & turnover, HR policy gap check (handbook + anti-harassment training), layoffs & corporate activity, prior claims history.
Open for EPLI →02 · Capabilities
Per-location construction type, age/condition signals, and renovation status — extracted from the SOV and cross-checked against inspection reports.
Sprinklered status, fire monitoring, protection class, and CAT signals — flood zone, wildfire score, wind/hail region, distance to coast.
Frequency (3+ losses in 5 years), severity outliers, and repeat cause-of-loss trends like recurring water damage.
Stale TIV, missing appraisals, and values inconsistent with square footage or construction norms — flagged for attention, never a dollar judgment.
SOV says sprinklered, inspection says none found? Flagged as a contradiction — never silently resolved.
A deterministic 0–100 score with a plain-language breakdown of what's pulling it down — and, just as visibly, what's clean about the submission (no losses, no prior non-renewal, sprinklers in good standing). Never a rate, premium, or bind/decline signal.
Fast-track, standard, or high-touch — based on flag volume and severity, with a plain-language rationale attached.
03 · Process
Whatever your line requires — SOV and loss runs for property, or application and claims history for healthcare (see Industries above).
It builds a per-location or per-provider record and compares every source document for consistency.
Every flag cites its category, subject, source document, and the underlying fact — no unexplained scores.
A structured JSON record plus an underwriter-facing summary, under ~300 words, with a suggested review tier.
04 · Guardrails
The agent produces findings for a human underwriter. It refuses to quote premium, apply rating factors, or make bind/decline/non-renew calls.
Property flags must tie to physical hazard data, never neighborhood demographics. Healthcare flags must tie to specialty and claims data, never a provider's protected characteristics.
Missing data is flagged, not inferred. If a location or provider can't be assessed, the agent says so explicitly.
For healthcare submissions, the agent reports claims and credentialing facts — it never opines on whether care was appropriate or a diagnosis correct.
Text inside uploaded documents is treated strictly as data the agent analyzes — never as commands to follow.
Any contradiction, a claims/loss frequency threshold, or low confidence in a material flag defaults the review tier to high-touch — it never guesses toward a lighter one.
05 · Integration
This is a REST API today, not a walled-garden dashboard — every capability on this page is reachable programmatically, so your own systems can call it directly instead of routing underwriters through a separate tool.
job_id immediately (202).
06 · Security & Data Handling
Stated plainly rather than implied: here's exactly what's in place now, and what would need to be built before this handles regulated data at real scale.
07 · Doing It Today vs. With ApexUnderwrite
Not a competitor comparison — we don't have verified data on any specific rival's roadmap to fairly claim against. This is the honest before/after against the manual process most submissions go through today: a person reading every document in sequence.
08 · Return on Time
Adjust these to match your team. Defaults are illustrative starting points — the numbers update as you type.
Team total (all underwriters)
—
Per-submission triage time
Figures are illustrative estimates based on the inputs above, not a guarantee — validate against your own submission volume and workflow data.