# Prepare a commercial insurance submission for underwriters

A broker submission that presents a risk clearly, gets underwriter attention, and pre-answers likely questions.

- Topic: Sales
- Framework: RTF
- Level: Standard
- Tags: Plan, Code, Fill-in Template
- Source: https://www.thinkwithprompt.com/prompts/prepare-a-commercial-insurance-submission-for-underwriters

## Prompt

```text
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.
```

## 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

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