Clearance and sanctions
We clear each submission against in-force business, quotes, and the broker of record, and screen the insured for sanctions.
Firefly UnderwritingOS · Insurance Underwriting Operations
We complete the submission. Your underwriter decides on the risk.
We turn incoming submissions into complete underwriting packages: clearance, broker follow-up, the statement of values (SOV), loss runs, and referrals.
Unit of work · A complete submission, ready for your underwriterScroll to explore
The problem
Submissions arrive in every format, rarely complete.
Your underwriter opens one to find the SOV half-filled, the loss runs out of date, and no reply from the broker.
Who it servesChief underwriting officers, underwriting operations, commercial lines, and MGA operations
What the service includes
We do the work within the limits of your policy.
Your service schedule lists the tasks your operation includes.
ACORD capture and broker follow-up
From email, portals, and attachments, we capture the ACORD data and chase the broker for missing documents and answers.
SOV normalization and enrichment
We normalize the SOV into your template and enrich it from your approved data sources, with each field’s source.
Loss-run analysis
For each prior carrier, we structure the loss runs by year, line, and cause, calculate frequency and severity, and flag large losses.
Appetite and referral
Against your criteria, we check appetite and completeness and refer cases above your authority limits to the right underwriter.
Quote, bind, and renewals
We prepare quotes from your terms, track subjectivities until your underwriter clears them, and assemble renewals ahead of expiry.
How the service works
Five stages, and who does each one.
Each stage runs on the method that fits the cost of an error.
- 01
Receive
AI model
We register and classify the incoming case.
InputBroker submission
OutputA tracked submission
- 02
Complete
AI agent
Missing items go to an AI agent, which asks the broker and tracks each reply.
InputDocuments and missing items
OutputA complete submission record
- 03
Prepare
AI model
We structure the data and apply your intake checks.
InputExposure and loss sources
OutputA source-linked package
- 04
Refer
Your team decides
Your underwriter reviews the package and decides; we coordinate the referral.
InputPackage and exceptions
OutputA recorded underwriting decision
- 05
Progress
Your systems
We complete the quote or issuance administration in your systems.
InputAuthorized terms
OutputA handoff to PolicyOS or your team
What you receive
The finished work and the evidence behind it.
Unit of workA complete submission, ready for your underwriter
- Structured submission with ACORD data and a normalized SOV
- Clearance and sanctions screening records
- Source-linked loss analysis
- Referral records against your authority limits
Systems and technology
We work in your systems, on open-source modules.
Connected to your systems
Broker portals, email intake, policy administration, rating engines, document stores, sanctions providers, and your data sources.
Built on Firefly OpenPlatform
Your teams can read the code of each module.
Measures
We measure the work you receive.
- Time to complete submission
- First-pass underwriter acceptance
- Broker follow-up age
- Material extraction errors and rework
- Clearance turnaround
Scope, pricing, and growth
Start small and expand on evidence.
A focused starting point
One commercial line, one channel, and a repeatable submission package.
How the service is priced
Per accepted submission, with complexity bands by line, document volume, and exposure structure.
Where the service can grow
Add lines, channels, renewals, quote and bind administration, or PolicyOS.
Questions
What buyers ask before they scope.
Can brokers keep using their existing channels?
Yes. We take submissions through the channels brokers use today.
Can it cover more than one insurance line?
Yes, one line at a time. Each line and jurisdiction is its own service, with its own rules and acceptance criteria.
What happens when two brokers submit the same risk?
We flag the conflict with each broker’s clearance evidence, and your insurer or delegated underwriter decides which to work with.
Your first operation
Bring us one operation.
Tell us the process, the volume, and what “done” looks like. We will come back with a scope, a deployment plan, and a proposal.