Underwriting Workbench

The Underwriting Workbench (uw.openinsure.dev) is the primary tool for reviewing submissions, setting terms, binding policies, and managing mid-term changes.

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Signing In

1. Go to uw.openinsure.dev 2. Sign in with your @mhcmga.com Microsoft account or email + password 3. You land on the UW Dashboard

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Dashboard

The dashboard provides:

• Inbox — new submissions requiring your attention, sorted by received date
• In Review — submissions actively being worked
• Expiring this week — quotes and binders about to lapse
• Referrals — submissions escalated for senior review or carrier approval
• Production metrics — bound premium and policy count for the current month

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Processing a Submission

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1. Claim and assign

1. Open Inbox 2. Click a submission to preview the risk details 3. Click Claim to assign it to yourself 4. The submission moves to In Review

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2. Review risk information

The submission detail page shows:

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3. Request additional information

If you need more data from the producer:

1. Click Request Info 2. Describe what’s needed (e.g., “5-year loss runs for GL” or “Updated valuation schedule”) 3. Submit — producer receives an email and a task in their portal

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4. Rate the risk

Click the Rating tab to run the rate engine:

• Adjust manual factors (schedule debit/credit)
• Override individual rate factors with a documented reason
• Compare rates across carrier programs (Carrier Comparison view)

The rating engine uses the actuarial tables in packages/rating. All overrides are logged for audit.

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5. Quote and bind

1. Confirm terms on the Summary tab 2. Click Issue Quote — a quote letter is generated and emailed to the producer 3. When the producer accepts, click Bind 4. The policy is issued immediately and documents are generated 5. A policy.bound event fires, triggering commission calculation, billing setup, and carrier notification

Tip: Quotes are valid for 30 days by default. After expiry, a new quote must be issued with refreshed rates.

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Delegated Authority Limits

Each underwriter has a delegated authority matrix that governs what they can bind without referral: If a submission exceeds your authority, the workbench automatically prompts a Referral. Senior UWs and the carrier deal room have higher authority thresholds.

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Endorsements

Mid-term changes come in via the producer portal or directly from policyholders. The workbench surfaces these as endorsement tasks.

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Reviewing an out-of-sequence endorsement

1. Open Endorsements in the navigation 2. Select the endorsement request 3. Review the change type and supporting documentation 4. Click Approve & Issue or Request More Info or Decline 5. If approved, an endorsement slip is generated and the premium is pro-rated

The endorsement UI flags out-of-sequence requests — where the effective date is before the most recent endorsement — with a warning so you can resolve ordering conflicts before issuing.

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Renewal Processing

1. Open Renewals tab — shows policies expiring in the next 90 days 2. Click Begin Renewal on any policy 3. Review the updated risk data submitted by the producer 4. Re-rate using current factors (or apply renewal credit/debit) 5. Issue renewal quote and bind when accepted

Non-renewed policies (where no renewal is bound by expiry) automatically trigger a non-renewal notice workflow.

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Aspire Form — Commercial Auto Submissions

The Aspire form is the primary intake flow for commercial auto submissions. It organizes all risk data into five tabs with real-time validation and auto-save.

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Tab overview

Each tab shows a completion badge in the tab bar — a green check (complete), yellow warning, or red X (blocker) — derived from the Quote Readiness engine.

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Contacts grid

The Insured Information tab includes a virtualized contacts grid (spreadsheet-style). You can:

• Add contacts one at a time via + Add Contact
• Paste from Excel/Sheets — copy rows with columns: First Name, Last Name, Position, Email, Phone, Cell, Type
• Navigate cells with arrow keys and Enter

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Mileage distribution

The Commercial Auto → Coverage tab includes a Mileage Distribution component with four linked percentage inputs:

• National (500+ mi), Intermediate (200–500 mi), Regional (50–200 mi), Local (<50 mi)
• A visual bar shows the distribution at a glance
• The last field auto-adjusts so the total always reaches 100%
• Invalid sums (≠ 100%) are highlighted in red

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Knockout questions

The Other Coverages tab contains ~23 yes/no underwriting questions. “Yes” answers trigger:

• Yellow flag — general concern (e.g., “Operates under another name?”)
• Red referral badge — high-risk answers that require senior UW review:
  • Hauls fertilizer, uses triple trailers, oversize/overweight loads
  • Hauls livestock, coils/logs/pipes, or containerized cargo
  • Operates as a freight broker

The knockout badge count also appears in the Quote Readiness Banner.

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Quote Readiness Banner

A banner at the top of the submission page shows whether the risk is ready to quote:

• Blockers (red) prevent quoting — e.g., missing company name, no vehicles, FMCSA inactive status
• Warnings (amber) flag issues but don’t block — e.g., no contacts, knockout “yes” answers, missing prior carriers
• Score — 0 to 100 (100 − 20 per blocker − 5 per warning)

Carrier-specific checks also apply:

• Bulldog RRG requires 2+ years in business
• Commodore RRG does not write hazmat

Tip: The Quote Readiness check runs client-side in real time. You don’t need to save or submit to see your progress — just fill in fields and watch the blockers resolve.

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Carrier Comparison (RRG / Aspire)

For submissions that need carrier comparison:

1. Click Compare Carriers on the submission 2. The workbench calls the RRG carrier comparison endpoint 3. Rates from multiple carriers are displayed side-by-side 4. Select the best carrier and proceed to quote

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Referrals and Deal Room

Submissions above your authority limit, or flagged for senior review, go to the Deal Room:

• Real-time collaboration with senior UWs and carrier contacts
• Shared notes and document review
• Authority approval tracked with timestamps

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Notifications

Underwriters receive Teams and email notifications for:

• New submissions in your queue
• Producer responses to information requests
• Quotes about to expire (48 hours before)
• Referral decisions from senior UW
• Renewal submissions requiring action

Configure your notification preferences in Profile → Notifications.