One long-horizon agent carries every submission.
The Layerup underwriting agent ingests the submission, extracts data, summarizes risk, screens appetite, prepares quote inputs, and assembles referral packages — one agent per line of business, running uninterrupted for hours or days until the underwriter can decide.
Submission to bound — executed, not assisted.
Every stage below is one agent's single continuous run, from intake to referral and bind. Underwriters approve, refine appetite, and own the decision.
- 01Submission intake
- 02Document ingestion
- 03Data extraction
- 04Risk summarization
- 05Appetite & eligibility
- 06Quote preparation
- 07Referral & STP
Nine steps. One agent's single run.
These are the stages of the underwriting agent's run — from submission intake through document ingestion, risk summarization, and referral. The same agent executes all of them, in order, without handoffs.
Submission intake from any channel.
Email, broker portal, agency uploads, ACORD packets, statements of values, and supplemental documents — the underwriting agent intakes everything submitted and clears it for handling.
- 01Email and portal monitoring
- 02Submission classification and routing
- 03Duplicate and clearance checks
- 04Account history reconciliation
- 05Initial completeness assessment
Every document, parsed and indexed.
ACORDs, SOVs, loss runs, financial statements, security questionnaires, broker memos, and supplemental documents — all ingested, parsed, and indexed for downstream reasoning.
- 01ACORD form parsing
- 02SOV and schedule ingestion
- 03Loss run interpretation
- 04Supplemental document classification
- 05Source-of-truth indexing per submission
Structured data from unstructured submissions.
The agent extracts the structured data underwriters need — exposures, locations, history, named insureds, prior carriers, attachments — into a clean, reviewable record.
- 01Account and exposure extraction
- 02Location and schedule extraction
- 03Loss history extraction
- 04Coverage and limit extraction
- 05Audit trail to source documents
Risk briefs underwriters trust.
The agent produces concise, evidence-linked risk summaries underwriters can scan in minutes — not hours of document review.
- 01Account narrative
- 02Exposure overview
- 03Loss experience summary
- 04Risk highlights and concerns
- 05Source citations to original documents
Consistent appetite at scale.
Layerup applies your appetite, eligibility, and underwriting guidelines uniformly — clearing in-appetite risks faster and surfacing out-of-appetite ones immediately.
- 01Appetite check against current guidelines
- 02Eligibility screening per program
- 03Knock-out and exclusion detection
- 04Class and segment classification
- 05Decline-with-reason support
Quote-ready inputs, prepared by the agent.
The agent prepares the inputs the rating engine needs and stages the package for underwriter review — accelerating quote-to-bind and reducing aged submissions.
- 01Rating input preparation
- 02Coverage and form selection support
- 03Term and condition staging
- 04Pricing input prep
- 05Quote document preparation
Risk tier, class, and endorsement support.
The same agent supports tier and class assignment, endorsement and exclusion selection, and documents the rationale for each step.
- 01Risk tier and class support
- 02Endorsement selection support
- 03Exclusion application support
- 04Rationale documentation
- 05Senior underwriter referral routing
Senior referral and renewal acceleration.
Layerup assembles complete referral packages for senior underwriters and accelerates renewal review with full prior-year context.
- 01Referral package creation
- 02Prior decision and rationale context
- 03Loss experience trend analysis
- 04Renewal review workflow
- 05Re-rate and re-quote preparation
STP for clean risk, QA for everything.
Clean, in-appetite submissions resolve straight through to quote. Every output is sampled and QA-reviewed against your guidelines and compliance obligations.
- 01Straight-through processing for clean risk
- 02Confidence scoring and routing
- 03Sample-based QA review
- 04Compliance and guideline conformance
- 05Continuous improvement feedback loop
The metrics underwriting executives manage.
Layerup is measured on submissions per underwriter, premium processed, quote-to-bind, STP rate, and referral package quality.
Submissions per underwriter
01Throughput without sacrificing risk discipline.
Premium processed
02Move more in-appetite premium through the pipeline.
Quote-to-bind speed
03Reduce time from submission to bound policy.
Time to decision
04Faster declines, faster quotes, fewer aged submissions.
Straight-through processing rate
05Lift the share of clean risks resolved without referral.
Cost per submission
06Lower handling cost across intake, triage, and clearance.
Referral package quality
07Consistent, complete packages for senior underwriters.
Renewal review speed
08Accelerate renewal review and re-rating cycles.
Appetite & eligibility consistency
09Apply guidelines uniformly across the book.
Move underwriting work from doing to approving.
Deploy the underwriting agent in one line of business. Prove the throughput and STP improvement, then expand.