Source: [Insurance Underwriting Operations](https://fireflysoftware.io/services/underwritingos/) Description: UnderwritingOS: Firefly clears, completes, and prepares every submission, with the SOV and loss runs analyzed. Your underwriter decides on the risk. Language: en 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. [Scope your underwriting operation](https://fireflysoftware.io/contact/) [Request a demo](https://fireflysoftware.io/contact/?request=demo) UnderwritingOS · Insurance Underwriting Operations, as a line of five stages. Receive: an AI model reads, classifies, extracts or drafts. Complete: an AI agent works the case within the limits you approve. Prepare: an AI model reads, classifies, extracts or drafts. Refer: your team decides. Progress: the work is done in your systems. Unit of work · A complete submission, ready for your underwriter [Scroll to explore](https://fireflysoftware.io/services/underwritingos/#operation) 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 Your underwriter opens one to find the SOV half-filled, the loss runs out of date, and no reply from the broker.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 serves Chief 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. 01 ### Clearance and sanctions We clear each submission against in-force business, quotes, and the broker of record, and screen the insured for sanctions. 02 ### 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. 03 ### SOV normalization and enrichment We normalize the SOV into your template and enrich it from your approved data sources, with each field’s source. 04 ### 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. 05 ### Appetite and referral Against your criteria, we check appetite and completeness and refer cases above your authority limits to the right underwriter. 06 ### 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. 1. 01 ### Receive AI model We register and classify the incoming case. Input Broker submission Output A tracked submission 2. 02 ### Complete AI agent Missing items go to an AI agent, which asks the broker and tracks each reply. Input Documents and missing items Output A complete submission record 3. 03 ### Prepare AI model We structure the data and apply your intake checks. Input Exposure and loss sources Output A source-linked package 4. 04 ### Refer Your team decides Your underwriter reviews the package and decides; we coordinate the referral. Input Package and exceptions Output A recorded underwriting decision 5. 05 ### Progress Your systems We complete the quote or issuance administration in your systems. Input Authorized terms Output A handoff to PolicyOS or your team What you receive ## The finished work and the evidence behind it. Unit of work **A 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 Authority ## The decisions stay with your institution. ### You decide - Risk selection - Rating and pricing approval - Coverage terms - Binding authority ### We do - Clearance and intake - Submission completion - Exposure and loss preparation - Underwriter packages - Quote and bind administration 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. - [Customers and relationships](https://fireflysoftware.io/openplatform/modules/#customers) - [Products and commercial configuration](https://fireflysoftware.io/openplatform/modules/#products) - [Agreements and documents](https://fireflysoftware.io/openplatform/modules/#agreements) - [Distribution and partner channels](https://fireflysoftware.io/openplatform/modules/#distribution) 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. 01 ### A focused starting point One commercial line, one channel, and a repeatable submission package. 02 ### How the service is priced Per accepted submission, with complexity bands by line, document volume, and exposure structure. 03 ### Where the service can grow Add lines, channels, renewals, quote and bind administration, or PolicyOS. Operating model ## All ten services run the same way. [See how we operate](https://fireflysoftware.io/how-we-operate/) [See service levels and control](https://fireflysoftware.io/service-levels-and-control/) 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. [Scope your underwriting operation](https://fireflysoftware.io/contact/) [Request a demo](https://fireflysoftware.io/contact/?request=demo)