Tailoring workflows to each line of business and carrier

Tailoring workflows to each line of business and carrier removes rework, accelerates quoting and binding, and reduces compliance risk. The key is to map real underwriting and servicing steps, then encode the nuances that actually drive decisions.

Why LOB and carrier nuances drive your workflow

Different lines of business demand different artifacts, checks, and timing. Commercial Property might require COPE details and valuations; Cyber needs control questionnaires and scans. Carriers add another layer with appetite thresholds, required forms, and portal steps.

Start by documenting what varies:

• Required data and documents by LOB
• Carrier appetite, prechecks, and referral rules
• SLAs, handoffs, and approvals that truly matter

Ground this work in your operating model and in the LOB-specific capabilities you rely on. Explore how we approach LOB variation in our Solutions by Line of Business.

Map the lifecycle by LOB

Anchor every workflow to a shared lifecycle so teams know where work begins and ends. Then tailor the stages per LOB.

A simple pattern:

• Intake and triage: qualify, assign, and prefill from broker or account data
• Data gathering: collect LOB-specific exposures, loss runs, and evidence
• Quoting: generate or request quotes, handle comparisons and referrals
• Bind and issue: finalize terms, produce documents, book the policy
• Endorsements and renewals: handle changes and proactive outreach

Use a consistent backbone, then add LOB-specific tasks, validations, and SLAs. Reference points like our Policy Lifecycle Overview help align your stages and artifacts.

Encode carrier-specific rules without chaos

Carrier variation should be a configuration, not a workaround. In Expert Insured, you can route steps, data fields, and approvals based on selected markets using Custom LOB and Carrier Workflows.

Practical patterns:

• Conditional fields and tasks: show COPE only when Property is in scope; enable cyber questionnaires by carrier appetite
• Automated prechecks: trigger loss ratio and MVR pulls for carriers that require them
• Referral routing: send to underwriting when premium, hazard grade, or coverage terms exceed thresholds
• Document packages: assemble carrier-specific bind, issue, and endorsement sets
• Portal orchestration: add a task to submit via a carrier portal only when that market is selected

This keeps your process clean while honoring each carrier’s rules.

Example configurations that cut cycle time

• Commercial Property, multi-carrier: After intake, trigger valuations if TIV exceeds a threshold; create parallel tasks for Protective Safeguards and sprinkler verification. For carriers needing engineering review, branch to an approval step before quoting. Use Creating and Requesting Quotes to generate market-specific proposals.
• Workers’ Comp, single-carrier program: Gate quoting until class codes and experience mod are validated. If mod is missing, spawn a retrieval task; if mod is high, auto-route to underwriting referral with prefilled rationale.
• Cyber renewals: At 120 days, open a renewal with a control checklist. If MFA is missing for a carrier, add a remediation path; if complete, fast-track to quote. Tie this to your standardized intake and bind steps for consistent outcomes.

Rollout and governance

• Pilot by LOB: start with one product and its top two carriers
• Capture metrics: cycle time by stage and carrier, touch count, first-time-right rate
• Tighten guardrails: add validations where errors occur; remove tasks that do not change decisions
• Train with context: show how each step maps to lifecycle and carrier requirements

As you refine, keep configurations transparent and reusable. Centralized ownership and versioning in Custom LOB and Carrier Workflows and aligned stages from the Policy Lifecycle Overview ensure scale without sprawl.