Underwriting Submission Enrichment
Auto-enrich new submissions with external data — property details, loss history, financial ratings, hazard data, comparable pricing — and pre-populate the underwriting workbench. Underwriters start with a complete picture instead of spending hours on data gathering.
Your underwriters are gathering data when they should be making decisions
A new submission lands on the desk. The broker sent a one-page application with minimal information. Now your underwriter has to spend the next two hours pulling property data from CoreLogic, checking loss history on A-PLUS, running a D&B financial screening, looking up flood zones and hail maps, and searching for comparable pricing in your book. That's 60–70% of their time — on data gathering, not risk assessment.
Meanwhile, the broker is waiting for a quote. Every hour of delay is a competitive disadvantage. The best submissions go to the carrier that responds fastest — and your team is stuck in lookup mode.
The data gathering is repetitive, predictable, and follows the same pattern every time. It's the definition of work that should be automated — so your underwriters can focus on the judgment calls that actually require expertise.
From sparse submission to enriched workbench — automatically
Submission Intake
A new submission arrives — via email, broker portal, or API. SectorFlow captures the application data and identifies the risk type, line of business, and key data points needed for enrichment.
External Data Enrichment
The AI simultaneously queries external data sources — property details from CoreLogic and county records, financial data from D&B, hazard data for flood, hail, and wildfire zones — and compiles a comprehensive risk profile.
Loss History Analysis
Prior losses are retrieved from A-PLUS and internal systems. The AI analyzes frequency, severity, trends, and patterns — flagging accounts with concerning loss history and highlighting clean records.
Risk Assessment & Flagging
Based on the enriched data, the AI identifies risk flags — high hazard zones, adverse loss trends, financial instability, coverage gaps — and provides comparable pricing from your existing book of business.
Workbench Population
The enriched submission — complete with property data, loss history, financial screening, hazard analysis, risk flags, and comparable pricing — is delivered to the underwriter's workbench. They open a complete risk picture instead of a bare application.
This isn't a data feed — it's an underwriting intelligence engine
Every data source and analysis your underwriters need, gathered and synthesized automatically.
Property Data Lookup
Pulls property details from CoreLogic, county records, and public databases — construction type, square footage, year built, roof age, replacement cost estimates.
Loss History Retrieval
Queries A-PLUS and internal systems for prior losses — frequency, severity, trends, and patterns — with automatic analysis and flagging.
Financial Screening
Runs D&B financial checks — credit ratings, business viability scores, bankruptcy history — so underwriters have financial context before quoting.
Hazard Analysis
Checks flood zones, hail corridors, wildfire risk zones, earthquake proximity, and wind exposure — with risk scores mapped to your underwriting guidelines.
Comparable Pricing
Searches your book of business for similar risks — same class, geography, size — and surfaces pricing benchmarks to accelerate the quoting process.
Risk Flag Identification
Automatically flags submissions that meet your risk appetite thresholds — adverse loss history, high hazard exposure, financial concerns — so underwriters focus attention where it matters.
Connects to the systems you already run
Salesforce
ServiceNow
Don't see your underwriting platform? We integrate with any system via API. Talk to us.
What carriers are seeing
Reduction in data gathering time
Avg. submission-to-enriched (vs 2 days)
Faster quote turnaround
Based on pilot deployments. Your results will depend on submission volume, lines of business, and system configuration.
"Our underwriters were spending two-thirds of their day on data gathering — pulling property data, checking loss runs, looking up hazard zones. Now they open a submission and the workbench is already populated with everything they need. They're finally doing underwriting instead of data entry. Our quote turnaround has dropped from days to hours, and we're winning business we used to lose on speed."
— Chief Underwriting Officer, Specialty Lines Carrier
Frequently Asked Questions
See What 2-Hour Enrichment Looks Like for Your Team
Book a 30-minute discovery call. We'll walk through the Underwriting Submission Enrichment flow with your lines of business and your data sources.
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