Prepare a commercial insurance submission for underwriters
A broker submission that presents a risk clearly, gets underwriter attention, and pre-answers likely questions.
The prompt
Help me put together a submission to insurance markets for a commercial client.
Client: [NAME AS PLACEHOLDER, operations, locations, revenue, employees]
Lines being placed: [e.g. "property", "general liability", "workers' comp", "cyber", "D&O"]
Exposure data: [property values (TIV) and construction/occupancy/protection/exposure (COPE), payroll by class code, vehicle schedule, etc.]
Loss history: [currently valued loss runs - 5 years if available]
Current program: [carriers, limits, retentions, premium, expiry date]
Risk improvements and controls: [safety programs, sprinklers, cyber controls, contracts]
What the client wants: [better price, broader coverage, higher limits, new market]
Produce:
1. A one-page cover letter to underwriters: the opportunity, why this is a good risk, what we are asking for, and the quote deadline.
2. A narrative of operations written from the underwriter's point of view, addressing hazards head-on.
3. A loss summary with a short explanation of any large or frequent losses and what changed afterward.
4. A list of the questions an underwriter is likely to ask about this risk, with draft answers or [ADD] markers.
5. A completeness checklist (applications, schedules, loss runs, supplemental questionnaires) showing what is missing.
6. Suggested target markets by appetite type (not specific carrier names unless I give them).
Never invent exposures, values, or loss details; mark gaps [CONFIRM]. Misstatements on applications can void coverage, so the client must confirm all facts before submission.
Highlighted [brackets] are blanks to replace with your own details.
Fill in the blanks and use this promptMore Sales prompts
What to fill in
- currently valued loss runs - 5 years if available
- carriers, limits, retentions, premium, expiry date
- safety programs, sprinklers, cyber controls, contracts
- better price, broader coverage, higher limits, new market
- ADD
- CONFIRM
How this prompt is built
This prompt follows the RTF structure (Role, Task, Format). RTF tells the model who to be, what to do and what shape the answer should take. It is the quickest structure that still gives noticeably better results than a bare request.
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