The extra desk you don’t have to hire.
Forward the broker email — extraction, hazard data, appetite triage, and a carrier-ready record happen before you open the file. Upload the guidelines PDF you already have; nothing to configure, no implementation project. (Works across property, GL, and cyber programs.)
THE EXTRA DESK
ONE DESK · ONE FOUNDER
THE DESK TODAY
- ACORDs re-keyed
- SOVs by hand
- hazard lookups manual
- carrier story rebuilt each renewal
THE EXTRA DESK
- forward the broker email
- hazard data attached
- appetite triage before you open it
- carrier-ready record as you work
ALTERNATIVE: HIRE
Property UW — hiring · 6 months · $150K+
the talent isn't there
Harbour Point Marina Ltd.
- SUB-2026-05904 · Habitational
- Forwarded broker email → decision-ready
- Zero implementation · your guidelines PDF
The math
This is not an efficiency pitch.
This is a margin crisis with two exits: hire (expensive, slow, and the talent isn’t there) or get operating leverage.
average premium per policy, 2025
−33%
policy count, 2025
+42%
submissions per desk this season
2×
The same desk now has to carry more submissions for less premium.
Hire
Leverage
That’s where we come in.
Triggers
Why owner-operators look at this now
A hiring posting goes up
You’re looking for a UW or assistant — the desk is already at capacity.
Carrier or reinsurer audit scheduled
You need to show consistent appetite enforcement and audit-ready records.
Pitching new capacity
New carrier relationship requires demonstrating risk-selection discipline.
Wind season approaching
Renewal runs cluster before June 1, and the desk fills fast once the Atlantic season starts.
Carrier exiting or non-renewing
A program is moving. You need to keep the book together under new authority.
Zero implementation
You don’t have staff to spare — so we require zero configuration.
Upload the carrier guidelines PDF and the appetite spreadsheet you already have. Extracted thresholds are reviewed side-by-side against the source before anything enforces — no implementation project, on top of the PAS you run.
Filed
Review
Live
What changes
What you stop. What you get back.
What you stop doing
- Re-keying ACORDs
- Squinting at SOVs
- Manual hazard lookups
- Rebuilding the story for the carrier
- Chasing missing documents
What you get back
- Evenings
- Consistency
- A carrier-ready file
- Judgment time on the accounts that matter
Pillar 1
More submissions. Same desk.
- SOV extraction and normalization — any format, any PDF
- Per-location enrichment (flood, wind, hail, distance to coast, protection class)
- Completeness check — missing items surface in minutes, with chase context
- Appetite triage before you spend time on it
Habitational_SOV_2024.pdf
14 pp · 312 locations · merged cells
Pillar 2
We handle the assembly. You do the underwriting.
- Roof-age concern at 25, referral at 30
- Vacancy concern at 20%, referral at 35%
- Upload carrier guidelines PDF + appetite spreadsheet → rules live after your sign-off
- Cross-document conflicts flagged and TIV bands run as rules at triage
Carrier_Guidelines_v4.pdf
20 pp
Reviewed by you · side-by-side with source
Pillar 3
Defensible when your carrier looks harder.
- Inputs, sources, rules fired, exceptions, rationale, approver
- Authority basis recorded (line size, TIV, territory, class, CAT aggregate)
- Consistency that survives volume
- Every AI-derived value traceable to source
Submission SUB-2026-05904
src: guidelines.pdf p.12
audit-ready — every value traceable to source
Forward the broker email
We assemble, you underwrite
Carrier-ready file by default
See it on a submission you actually write.
15 minutes to first output. Your submission. No pitch deck.