A complete submission is more than just sending in an application.  Do you feel as though your submissions are being sent to the bottom of the pile?  Are you frustrated from constantly battling to sell your Underwriter a risk as much as you do your clients?  If you are submitting less than par paperwork to your Underwriter, this may be the case.

Here are a few tips to get your submission noticed by your Underwriter!

• Attach a high-level summary on the submission, especially if there is anything unique about it informing the Underwriter of what they’ll find in the submission
• Try to simplify the risk as much as possible when sending in a complicated account
• When submitting a multi-location account, fill out the application in its entirety so the Underwriter does not have to keep contacting you for missing information
• Clearly list the limits, deductibles and target pricing
• Clearly identify the effective date and the need-by date
• Organize your submission – rather than sending every piece of information you have on the insured, leaving it up to the Underwriter to sort through, only send information that pertains to the Underwriter
• Explain any large losses
• Address the loss ratio
• Convey personal knowledge of the account

Letting your hard work of trying to land a potential client slip through the cracks because you didn’t pay enough attention to detail on your submission can be a waste of time and energy. Try to send in a complete, organized submission to your Underwriter to receive the most favorable results.

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