Liability Underwriting Submissions Automated: Broker Emails to Quote 70% Faster

// the problem

Broker submissions arrive as "data sludge" — messy emails and attachments in PDFs, JPEGs, and spreadsheets that defy standard ingestion. Underwriters waste hours chasing missing data (square footage, loss runs) before any risk assessment can begin. Appetite and knock-out criteria live in static PDF guidelines applied inconsistently across the team. Loss history analysis, social inflation factors, and rating engine prep are serial and manual — each step waits for the last. Result: high expense ratios, slow turnaround times, and the most skilled people in the operation doing purely mechanical work.

// what CLU does

A 9-agent swarm orchestrated by CLU Brain handles the complete submission lifecycle autonomously. Submission Ingestion Agent digitizes data sludge into structured JSON — zero manual entry, missing data proactively flagged. Appetite & Knock-Out Agent applies underwriting guidelines as code, not PDFs — instant decline for out-of-appetite risks with 100% consistency. Risk Classification & Pricing Prep analyzes loss history and feeds the existing rating engine with perfect inputs. Quote Assembly auto-generates broker-ready letters within authority limits — referrals route to senior underwriters with full decision memos. Hard limits cap autonomy (e.g., auto-quote only if premium < $10K): humans review decisions with context, not raw data.

// the agents, in order

1. 1
   Submission Ingestion Agent

   Digitizes broker submissions (PDFs, emails, spreadsheets) into structured JSON — proactively flags missing exposure data and requests it before triage begins
2. 2
   Completeness Agent

   Validates all required data fields are present — zero wasted underwriter time on incomplete submissions, nothing proceeds without full exposure data
3. 3
   Appetite & Knock-Out Agent

   Applies underwriting guidelines as code, not static PDFs — instantly declines out-of-appetite risks (e.g., habitational >4 stories) with 100% team consistency
4. 4
   Risk Classification Agent

   Analyzes loss history frequency, social inflation factors, and exposure data — prepares perfect structured inputs for the existing rating engine
5. 5
   Pricing & Quote Agent

   Feeds rating engine, calculates premium, and auto-generates broker-ready quote letters within defined authority limits — no manual assembly
6. 6
   Referral Agent

   Routes submissions exceeding authority limits to senior underwriters with full decision memos — humans review context and judgment, not raw data

// systems it talks to

• Email / Attachment Parser
• PDF/OCR Ingestion
• Policy Admin API
• Rating Engine API
• Broker Comm API
• Audit Trail DB

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