Clearing an inbound submission before a market gets blocked
Two retailers send the same risk with the named insured spelled two ways, and the market clears whichever complete submission arrived first. The other one waits for a letter from the insured naming who represents them. Matching is the whole job and it is fuzzy: a FEIN where one was given, a legal name carrying both an entity suffix and a trading name, an address written several ways. Clearance is held for a period ahead of the effective date and then released, so one risk can clear twice in a season with nobody at fault.
A certificate request arrives as a sentence in an email, and answering it correctly requires deciding which endorsements the policy actually grants.
The agency management system is the record, and a standardised download feed keeps parts of it current. The feed is positional flat file in origin, its coverage varies by carrier and by line of business, and a policy that arrives without matching an existing record lands in a queue somebody clears by hand.
- Outlook
- Excel
- Slack
When this is the wrong thing to build
Pick something else if you sit on the retail side. Clearance is a control the market operates, and the question a retailer needs answered is the reverse one: whether a market is already blocked before a submission goes out and burns it.
The constraint that shapes it
Producing a quote or binding coverage happens under a licence that is issued per state and per line, and separately under a carrier appointment, so a person can be licensed without being appointed. More on how this sector works.
Something arrives from anywhere. It becomes one record with one owner. Read what this shape is, or start from one of these.
- Turning portal leads into one shape a person can work
- Turning an after hours maintenance call into one work order
- Entering a new client once instead of four times
- Filing client email to the matter instead of the inbox
- Booking a service call without a person typing it
- Sorting a return visit into callback or new work
- How does a wholesale broker clear a submission from two retail agents?
- What does it mean when a market is blocked on my account?
- How do I match a submission to an existing account with no FEIN?
- How long does a market hold clearance before releasing the account?
- Who decides which broker owns the submission when both send it?
Back to insurance agencies, or see how this is priced and scoped.