Insurance Submission Readiness Checklist

An insurance submission is more than a spreadsheet. It is the evidence pack an underwriter uses to decide whether the risk is clear, controlled, and worth quoting. Weak submissions create avoidable questions, slow renewals, and can make a good risk look messy.

What to check before sending

• Required fields are present for every row, including insured name, policy period, location, claim reference, TIV, premium, or transaction fields as relevant.
• Dates match the policy, binder, renewal, or loss period being reviewed.
• Duplicates are removed or clearly explained.
• Premiums, incurred amounts, reserves, and property values use consistent currency and number formats.
• The file includes a short narrative explaining large losses, material changes, and assumptions.

Which tool to use

Use the SOV Cleaner for property schedules, the Loss Run Analyzer for claims history, and the Bordereaux Validator for premium or claims bordereaux. Start with the Submission Readiness Score if you want a single first-pass view.

Why this matters in the London Market and US commercial market

London Market and delegated authority workflows depend on clean bordereaux, binder periods, and consistent templates. US commercial renewals often place more pressure on loss runs, SOV quality, liability narratives, and carrier comparison. In both markets, cleaner submissions reduce friction.