Price it, refer it or decline it — with the reason on the record

Underwriting

Submissions carry proposal questions whose answers can refer or decline on their own. Quotes are versioned and priced section by section, underwriting authority is enforced per user, and a senior underwriter cannot approve a referral above their own binding authority — the server refuses it. A price a broker cannot defend to their client is a price they will not use, so every premium shows how it was reached.

Sixty-one live submissions

Target premium the broker named beside what was actually quoted, the days each has been open and the decision taken.

A quote option, priced section by section

Buildings, plant and stock rated separately, levies and commission shown beside the premium. The option the client accepts is converted into the policy, not re-keyed.

Grouped by status

So a submission sitting in referral for nine days is a visible row, not something found at month end.

117 proposal questions

Asked per product. An answer can refer or decline on its own, and the rule that fired is named on the referral.