From a broker’s inbox to an audit-ready memo, with the record to prove it.
Four things happen on arrival: the documents become one structured record, gaps and contradictions are surfaced, the risk is checked against your appetite, and the signals that move a decision are ranked. What reaches your queue is a verified file, not an inbox.
Received
9:41 AMFlags
2Chase drafted
9:44 AM5 documents · SOV · 3 ACORDs · Loss RunREVIEW READY · FOLLOW-UP DRAFTED
Record verified — loss run flagged for your call; construction resolved to Frame/Masonry per Inspection Report, p.3.
Acme Manufacturing LLC
- Commercial Property
- $4.2M TIV · 3 buildings
- 2 Florida · 1 Georgia
- Broker: Alliance Risk
01 — Submissions
Every file that arrives is read, reconciled, and ranked before you open it.
Four things happen on arrival: the file set is read in full, the documents are reconciled against each other, your appetite rules run, and the result lands as one ranked view. Nothing waits in an inbox.
01 — Ingestion
Every submission becomes one structured risk record.
A broker sends an SOV, three ACORDs, a scanned loss run, and a two-line email. Another sends one clean PDF. WriteRisk reads all of it and produces a single structured risk, in minutes.
Loss Run — Scanned
CapturedAlliance Risk · 3 pages · scanned
SOV.pdf
CapturedAcme Manufacturing LLC · schedule of values
ACORD 125
CapturedApplication · signed
Inspection Report
CapturedThird-party · Nov 2025
Broker email
CapturedAlliance Risk · 2 lines · loss detail
Normalized
Risk record created
Acme Manufacturing LLC
5 documents · 1 structured risk
02 — Data review
Missing data and conflicts are surfaced before underwriting begins.
A construction type from the application won’t always match the inspection report. A loss run goes missing. WriteRisk checks every extracted value against every other source and flags what’s incomplete or inconsistent — so you’re reviewing a verified risk, not catching gaps yourself.
Data review
Conflict — needs your callSOV — Property Schedule
ProcessedACORD 125 (Application)
ProcessedLoss Run (formal document)
FlaggedInspection Report
ProcessedConstruction Type
Conflict — needs your callApplication
Frame
Inspection Report
Frame/Masonry2
Resolved as Frame/Masonry hybrid — per Inspection Report, p.3.
1ACORD 125 (Application), p.1
2Inspection Report, p.3
03 — Appetite
Submissions are checked against your appetite the moment they arrive.
You’ve defined what you’ll write and what you won’t — construction, TIV, geography, exclusions. Every submission is checked against those rules on arrival. What’s outside appetite is flagged, with a decline drafted and waiting for you to send.
Commercial Property Program — appetite rules
IF TIV > $10M
AND Construction = Frame
AND Wind Zone = 1
→ Flag for decline draft
Checked on arrival
In appetite
Acme Manufacturing LLC
TIV $4.2M1 · under $10M
Wind Zone 2 · not zone 1
1SOV.pdf, p.1
Outside appetite
Frame construction, Wind Zone 1, TIV $12M
04 — Signals
Every signal that matters, ranked by what it does to the decision.
Not a dashboard — a ranked list. Each signal carries its suggested action, the narrative behind it, and the exact line in your guidelines that makes it matter. Evidence first, judgment yours.
Signals
Acme Manufacturing LLC · Commercial Property
- 1Roof Age 32 yearsProperty · above watch threshold
- 2Sprinkler Coverage PartialProtection · watch item
- 3Construction Frame/Masonry hybridConstruction · conflict resolved
- 4Loss Frequency 2 claims / 5 yrsLoss history · within 5 years
Roof age 32 years
Loss frequencySuggested action
Refer to underwriter — above the 25-year watch threshold.
Roof age drives frequency severity curves for this construction class1, and the schedule shows the last full replacement in 1999 — 26 years ago against a 30-year life expectancy — with only a partial section re-roof since (2019)2.
Roof age watch at 25 years; referral at 30; inspection required above 30; referral at 25 in a hail county.
What was found
- Schedule lists full roof replacement 1999; south-bay section re-roofed 2019 (SOV.pdf, p.2)
- Inspection notes ponding on the re-roofed south bay (Inspection Report, p.4)
1Underwriting Guidelines, Property §4.2
2SOV.pdf, p.2
02 — Underwriting
The judgment work, with the evidence already assembled.
Ask what you would otherwise dig for. See the recommended disposition next to the factors that moved it. Draft the memo with citations already in place. Your call at each step — recorded either way.
05 — Ask anything
Ask the question that would otherwise cost you an hour and three documents.
Questions an underwriter would otherwise dig for: OSHA incidents, prior losses, guideline interpretations. Answers arrive with sources — cited to the document, page, or database they came from.
Ask your risk
Acme Manufacturing LLCNo federal OSHA inspections or citations found for the insured entities in the last five years.
OSHA Enforcement Database
U.S. Department of Labor (external), checked 14 Mar 2026
1OSHA Enforcement Database (external), checked 14 Mar 2026
2Inspection Report, p.3
Ask across the file, your guidelines and connected sources…
06 — Decision-ready
A recommended decision, with the full evidence behind it.
WriteRisk shows the recommended disposition, what drove it, and where each input came from, then recommends an action inside your program’s rules. You read it, accept it or override it, and move on.
Recommended action
Quote — Standard Rate
Acme Manufacturing LLC · Commercial Property Program
Contributing factors
Construction resolved — Frame/Masonry hybrid, moderate combustibility1Sprinkler coverage — Partial coverage, noted as a watch item2Loss history — 2 claims / 5 yrs, $180K total, below program average3Roof age — 32 years, no correlated claims on file41Inspection Report, p.3
2Inspection Report, p.5
3Loss Run summary
4Inspection Report, p.4
07 — Underwriting memo
The underwriting memo, drafted automatically from the evidence trail.
Drafted at decision, structured the way carriers expect: risk confirmed, conflicts resolved, loss history in context, recommendation stated. Edit any line; the citations hold.
Underwriting Memo
Acme Manufacturing LLC · Commercial Property Program
Drafted 14 Mar 2026 · Decision: Quote — Standard Rate
Acme Manufacturing LLC — Commercial Property, $4.2M TIV across 3 buildings, 2 located in Florida1 Construction is confirmed as a frame/masonry hybrid2 , resolving an initial conflict between the application and inspection report. Loss history shows two water damage claims in five years totaling $180K incurred, below program average3 . Sprinkler coverage is partial and noted as a watch item; recommending Quote at standard rate given resolved construction, clean relative loss history, and no correlated claims against the current roof age4 .
1SOV.pdf, p.1
2Inspection Report, p.3
3Loss Run summary
4Inspection Report, p.4–5
03 — Governance
The rulebook and the record keep themselves.
Guidelines stay current through use — when a carrier updates them, WriteRisk proposes the change against live decisions for approval. Every decision files itself into an audit record built for regulator, carrier, and reinsurance questions.
08 — Guideline learning
Your guidelines stay current with the decisions your underwriters actually make.
When a carrier revises its guidelines, WriteRisk maps the delta against live usage and proposes the update for approval — no stale PDF, no re-keying, no drift between what the carrier sent and what the desk enforces.
Commercial Property Program
Carrier guidelines · v12 in force
- Appetite & eligibility
- Construction & occupancy
- Wind & CAT capacity
- Loss history standards
- Referral authority
- Documentation requirements
Roof-age watch tightens from 25 to 20 years in counties named in bulletin Appendix B; referral threshold unchanged.
Watch at roof age 25 years; referral required at 30, inspection above 30; referral at 25 in a hail county.
Align the watch threshold to 20 years in listed counties; referral and inspection thresholds unchanged.
Source: Carrier bulletin CB-2026-04 · mapped against recent decisions in this program (sample data)
09 — Audit record
Every decision leaves a record you can hand to an auditor.
Who decided, under which rule version, against which inputs — filed automatically, exportable for carrier reviews, reinsurance reporting, and audits. Nothing to reconstruct.
Decision record
Submission SUB-2026-0419 · Acme Manufacturing LLC
Time
Actor
Entry
- 09:41SystemFile set received — 5 documents captured
- 09:42SystemConflict resolved — construction per Inspection Report, p.3
- 09:44RulesAppetite passed — rule version 12
- 09:47WriteRiskRecommended quote — disposition QUOTE, factors cited
- 09:52S. ChenAccepted recommendation — authority level 2
- 09:53SystemMemo drafted — 4 citations attached
- 09:54SystemDecision filed — audit record sealed
Export for
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See it run on your own submissions.
Send us one program and a month of submissions. In the demo you'll watch WriteRisk read them, score them against your appetite, and hand back a decision-ready file for each.