Your filed guidelines, finally doing the checking.
Your underwriting guidelines live in spreadsheets, and changing one takes a ticket and a release window. Most of your premium renews, and most of it renews with little review. WriteRisk reads every submission, applies your guidelines and treaty terms, compares each risk against your filed rates, and records the reasoning behind each decision — running alongside the policy system that continues to issue, endorse, and bill as it does today.
filed rates · v2026.1
Meridian Re · eff 2026
22% new · 78% renewal
every submission runs against your filed terms
Cardinal Mutual Insurance Company
- Commercial Property · 6 states
- Treaty: 60% quota share, Meridian Re
- Underwriters: 9 · Submissions: 340/mo
- New business 22% · Renewal 78%
How it works
Eight steps from the agent's email to a decision an examiner can read.
Submission intake
Every submission becomes one structured risk record, whatever the agent sends.
- Clean ACORD sets and scanned loss runs read the same way
- Each extracted value checked against every other source
- One structured risk in minutes, every value tied to its document and page
- Underwriters stop opening submissions to find out what is in them
Risk record created
Delaney Warehousing Inc.
Commercial Property · $6.1M TIV
4 Buildings · OH, IN
Agent: Fairview Insurance Group
Construction type
Application: Joisted Masonry · Inspection: Non-combustible
Resolved: Non-combustible1
Inspection Report, p.4
Straight-through quoting
Submissions that meet your straight-through criteria never reach an underwriter.
- You define what qualifies: class, thresholds, anomalies, loss history
- Qualifying accounts are recommended straight-through within your delegated authority — the draft is routed to you only when it is outside appetite or above authority. You still accept or override
- Everything else routes to the right underwriter, already read and checked
- Your underwriters spend the week where the answer is not obvious
One month
340 totalStraight-through
148
Recommended within delegated authority
To underwriter
171
Read, checked, conflicts resolved
Declined on guidelines
21
Clause cited, decline drafted
Guideline and treaty checks
Your filed guidelines and treaty terms run on every submission on arrival.
- Eligible classes, protection class limits, TIV thresholds, construction restrictions
- The exclusions your reinsurer requires, applied before an underwriter opens the file
- What sits inside the guidelines proceeds to the underwriter
- What sits outside is flagged with the clause that stopped it and a decline drafted
Meridian Re quota share — habitational excluded above $5M TIV
Within guidelines → proceed
Delaney Warehousing Inc.
TIV $6.1M · PC 4 · Non-combustible · R. Whitfield
Outside guidelines → decline drafted
Rowan Street Apartments
Habitational · TIV $7.3M
Technical pricing
Every quote shows the technical price, your filed rate, and the deviation between them.
- Each risk compared against your filed rates
- Technical price shown alongside what the underwriter is charging
- A reason recorded against any deviation
- Leadership sees the pattern across the book while accounts are still being written
Delaney Warehousing Inc.
CP Rate Table 2026-A
Technical
$47,200
Charged
$43,500
Deviation
−7.8%
Three-year clean loss history, fully sprinklered, established agent
Last 90 days
avg −4.2% · 61 of 214 below
Renewal management
Renewals arrive with the expiring term, the losses, and the indicated rate change.
- Expiring term and premium pulled before the underwriter opens the file
- Losses incurred since inception and exposure changes in one view
- The indicated rate change already calculated
- Accounts that have deteriorated are flagged for review
- On the roadmap: renewals and endorsements are not yet covered in the product — this view shows where it is heading
Whitlock Tool & Die Co.
Expiring 01 Jun 2026
Expiring
$28,400 · $3.2M TIV
Current TIV
$3.6M — Building 3 added1
Losses
1 claim, $18K — below expectation
Indicated
+3.1% · Flags: none
Recommend
Renew at indicated
11 SOV, p.2
Baxter Court Apartments
3 claims / $214K since inception · Loss ratio 148%
Flagged for reviewDecision record
Every decision is recorded with the guideline applied and the evidence behind it.
- What was decided, and which guideline governed it
- Where each supporting value originated
- The underwriting memo drafted at the moment of decision
- When an examiner asks why a risk was declined in March, the file already answers
Action
Quote — 7.8% credit applied
Guideline applied
CP-UG-2024, Section 3.2 — Non-combustible, PC 1–6
Contributing factors
Construction Non-combustible Insp. p.4
Protection class 4, verified ISO PPC
Loss history 2 claims / 5 yrs, $61K Loss Run p.1–2
Sprinklers Full, wet system Insp. p.7
Underwriting Memo drafted
09 Mar 2026 · Quote at $43,500
Guideline management
Guidelines are changed in the product, not in a release window.
- Underwriting leadership edits a threshold directly
- Simulate it against the last ninety days before it goes live
- Changes go live dated and attributed
- Repeated exceptions become amendments the system proposes itself
Rule editor
CP-UG-2024 · Section 3.2
Current
Frame eligible to Protection Class 6
Proposed
Frame eligible to Protection Class 5
Simulated · last 90 days
Proposed by the system
6 of 8 exceptions in the last 90 days were Protection Class 7, fully sprinklered, no losses in 5 years. All approved by R. Whitfield. All bound.
Extend eligibility to PC 7 where sprinklered and loss-free
Evidence: 8 decisions
Version history
v4 — eff 14 Nov 2025 — M. Alvarez
v3 — eff 02 Jun 2025 — D. Kwon
v2 — eff 14 Jan 2025 — D. Kwon
Audit and traceability
Every output is traceable to its source, its guideline, and its version.
- Every value carries the document and page it came from
- Every decision carries the guideline version that governed it
- Every deviation and override recorded with who made it and why
- Each output traces back to a source you can open
Delaney Warehousing Inc.
09 Mar 2026
Decision
CP-UG-2024 v4 · eff. 14 Nov 2025
Price
CP 2026-A · deviation −7.8%, reason recorded
Guideline version
CP-UG-2024 v4 · eff 14 Nov 2025
Construction
Non-combustible · Inspection Report, p.4
Protection Cl.
4 · ISO PPC lookup, 07 Mar 2026
Decided by
R. Whitfield
Run it against your own book
Bring a month of real submissions and a month of renewals. We'll run them against your guidelines.
Send us your filed underwriting guidelines, your treaty terms, and thirty days of submissions as your agents actually sent them. We'll show you what WriteRisk would have recommended straight-through, what it would have referred, where it would have priced differently, and where your current process and your written guidelines disagree.
Runs alongside your policy system. No migration required to evaluate.