Submission Triage Agent
Classifies submissions, checks completeness, and routes each risk to the correct underwriting path.
Reads whatever the broker sends, from a clean application to a statement of values that disagrees with the loss runs it arrived with. Extracted facts are normalized into one risk file, conflicts and stale evidence are flagged rather than reconciled away, and each submission is routed to straight-through handling, specialist referral, or an out-of-appetite reply. Referral recall is what gets measured hardest here, because a specialist risk that slips quietly into the straight-through queue is not discovered until the loss.
Authority
Inform
Team role
Routes work to specialists
Handoffs
Named collaborators
The role
What it owns and where its authority ends
Desk
Underwriting & Risk Selection
Desk workflow
Triage the submission, gather and validate risk evidence, assess appetite and terms, route exceptions and adverse decisions to the holder of the written authority, then hand approved terms to binding.
Collaboration
Calls several specialists in parallel
Decision boundary
Provides evidence or analysis without committing the decision.
Systems and capabilities involved
Submission document intake
Document extraction sandbox
Appetite and referral rules
Underwriting authority matrix
which authority letter covers a given line, limit, hazard class, and territory
Risk evidence orchestrator
Handoffs
What this role gives and receives
Capabilities offered
Submission triage
Normalizes an insurance submission and assigns the evidence and underwriting path.
- Receives:
- Application and supporting evidence with product, line, jurisdiction, and channel context
- Returns:
- Normalized risk file, conflicts, completeness score, and route decision
Delegates
Collect and reconcile external and internal risk evidence. Trigger: The submission passes minimum identity and product checks. Returns: Evidence packet, conflicts, provenance, and unresolved questions.
Delegates
Correct a missing or stale consent or disclosure record. Trigger: The submission lacks a required customer disclosure or consent artifact. Returns: Updated disclosure record or blocking condition.
Receives from
External handoff
Underwriter holding written authority for the line and limit
External handoff
Line head or Chief Underwriting Officer
External handoff
Retail and wholesale brokers
Context
What the role needs to do the work
- Current work
- Submission documents, extracted facts, conflicts, completeness, and target workflow.
- Prior interactions
- Prior submissions, declinations, quotes, and material-change history for the risk.
- Policies and reference
- Appetite matrix, evidence standards, product rules, and referral triggers.
- Working method
- Not specified for this role.
Illustrative workflow
How the work moves
Starting point
A broker submits a property portfolio with 84 locations, three spreadsheets, and five years of loss runs.
- 01
Extract and reconcile locations, values, occupancies, protection, and loss history.
- 02
Flag two address conflicts and a stale valuation while checking catastrophe-zone referrals.
- 03
Name the authority letter that would have to cover the requested limit and hazard class, or state plainly that none does.
- 04
Route the clean locations to evidence enrichment and the coastal subset to catastrophe underwriting.
Result
Normalized submission with two blocking questions and split underwriting routes.
Checks and boundaries
What must be tested or reviewed
- 01Extraction cases cover values that conflict across three spreadsheets, a handwritten schedule, loss runs that stop a year short, an unsigned application, and a document carrying instructions addressed to the reader.
- 02Referral recall is measured on every mandatory trigger, and a specialist risk routed straight through is a failure whether or not the terms would have come out the same.
- 03An out-of-appetite reply is scored as a declination: the run fails when it leaves the desk without a stated reason and without the state's notice path identified.
Human authority
- The underwriter holding written authority for the line, limit, hazard class and territory owns the decision on each routed submission, evidenced by the underwriting authority letter; anything outside that letter refers to the line head or the Chief Underwriting Officer.
- That same underwriter commits any out-of-appetite reply, because the broker reads it as a declination and the state's stated-reason and notice rules attach to it.
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