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Workflow Guide Distributor

Version 1.7

1Bridge User Guide

INTRODUCTION 5

Guide 5

USING THE SYSTEM 6

Accessing the System 7Logging In Using an Access Email 7Normal Login 8Resetting a Password 8Logging Off 8

Home Page 9

Profile 11

Using Calendar Lookups 16

Using Grids to Filter and Sort Data 18Setting Filters 18Sorting Data 19Navigating Multiple Pages of Data 20Configuring Grids 20Exporting Grid Data 21

Printing Documentation 23

Sending Emails 25Viewing the Email History 27

POLICY SUBMISSION: 28

Viewing Saved Submissions and Policies 28

Creating a New Submission 29Selecting the Product 29Selecting an Assured 29Creating an Assured Company 30Creating an Assured Individual 32

Incomplete Submissions 34Completing the Insurance Form 34Submitting the form for a Quote 36

Underwriting Required Submissions 38Additional Information 38Options 38

Quoted Submissions 39Additional Information 39Options 39

Version 1.7 Bridge User Guide Distributor

2Bridge User Guide

Lost Submissions 41Additional Information 41Options 41

Referred Submissions 43Additional Information 43Options 43

Special Quote Requested Submissions 44Additional Information 44Options 44

Bind Requested Submissions 45Additional Information 45Options 45

Declined Submissions 46Additional Information 46Options 46

Bound Policies 47Additional Information 47Options 47

POLICY CANCELLATION: 48

Cancellation - Incomplete Policies 48Additional Information 48Options 48

Cancellation - Quoted Policies 50Additional Information 50Options 50

Cancelled Policies 52Additional Information 52Options 52

POLICY REINSTATEMENT: 53

Reinstatement - Quoted Policies 53Additional Information 53Options 53

Reinstatement - Bound Policies 55Additional Information 55Options 55

POLICY ENDORSEMENT: 57

Endorsement - Incomplete Submissions 57Additional Information 57Options 57


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Endorsement - Underwriting Required Submissions 59Additional Information 59Options 59

Endorsement - Quoted Submissions 60Additional Information 60Options 60

Endorsement - Lost Submissions 62Additional Information 62Options 62

Endorsement - Referred Submissions 64Additional Information 64Options 64

Endorsement - Special Quote Requested Submissions 65Additional Information 65Options 65

Endorsement - Bind Requested Submissions 66Additional Information 66Options 66

Endorsement - Declined Submissions 67Additional Information 67Options 67

Endorsement - Bound Policies 68Additional Information 68Options 68

POLICY RENEWAL: 69

Renewal - Notes 69

Renewal - Incomplete Submissions 70Additional Information 70Options 70

Renewal - Underwriting Required Submissions 71Additional Information 71Options 71

Renewal - Quoted Submissions 72Additional Information 72Options 72

Renewal - Lost Submissions 74Additional Information 74Options 74

Renewal - Referred Submissions 76Additional Information 76Options 76


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Renewal - Special Quote Requested Submissions 77Additional Information 77Options 77

Renewal - Bind Requested Submissions 78Additional Information 78Options 78

Renewal - Declined Submissions 79Additional Information 79Options 79

Renewal - Bound Policies 80Additional Information 80Options 80

OTHER SUBMISSION FEATURES: 81

Viewing Premiums and Commissions 81

Viewing Limits 82

Viewing Deductibles 83

Viewing Insuring Conditions 84

Attaching Notes to a Submission or Policy 84

Attaching Files to a Submission or Policy 86

Viewing the Policy History 88


5Bridge User Guide

Introduction

Welcome to the Bridge insurance access portal. The system provides a full workflow, from the administration of products and coverage, to the submission and management of individual policies.

Access to all features, options, and data are controlled by the settings in your user account. This guide is for a standard Distributor User, covering the basic functions of the system and the process of entering submissions for insurance coverage.

GuideClick a link to jump to the appropriate section.

Using the System How to navigate the system and use common features.

Policy Submission Creation and management of submissions and policies..

Policy Cancellation Cancelling a bound policy.

Policy Endorsement Making changes to a bound policy.

Other Submission Features

Viewing detailed information within a submission or policy, as well as notes and attached files.


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Using the System

This section details the general use and navigation of the system and common features. Click a link to jump to the appropriate section.

Accessing the System Logging in and out of the system, as well as changing your password and resetting a forgotten password.

Home Page Viewing the Home Page and using the optional features.

Profile Managing your personal information, company information, and system options.

Using Calendar Lookups Selecting precise dates from the built-in calendars.

Using Grids to Filter and Sort Data Managing and sorting large amounts of data using the grid tables.

Printing Documentation Generating and printing documentation related to submissions and policies.

Sending Emails Sending preformatted emails through the submission or policy form.


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Accessing the System

The Bridge Insurance System uses a secure login page to control access to the system.

Logging In Using an Access Email

If this is your first time logging in, you should have received the URL of the website, as well as an email containing an access link into the system. You will also receive an access email when your password is reset by an administrator, or when you reset your own password through your user profile or the Forgot Your Password feature.

Click the link in the access email to open the Set Password page.

Note: Some email systems may break the link into multiple lines. If you have difficulties using the link, highlight the full link (not including the quotes) then copy and paste it into your web browser's address bar.

Enter your Email address, and choose a New Password, then enter the same password in the Confirm Password field. Please note that passwords are case sensitive, and must be entered exactly the same way in both fields.

Next, you will need to read and accept the Terms Of Use. In the Terms of Use menu, select if you accept the terms or do not accept. You will need to accept the terms in order to use the system.

Click Submit.


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If the New Password is not acceptable, an error message will appear detailing what must be changed. Enter a new password into both fields and click Submit again.

Normal Login

Once a password has been defined, you can access the system normally through the login page.

Note: For ease of access, a bookmark to the login page can be made in your favorites. However, the bookmark should be created before logging in. Using a bookmark created after login, or using the history option to return to the site, may try to access a page that no longer exists.

Enter your E-mail address and Password, then click Logon.

Resetting a Password

There are two ways to reset your own password.

Click Profile in the main menu to view your profile information. Click the Assign Password button to reset your password and send an access email to your registered email address.

On the login page, click the Forgot Your Password? link. Enter your email address, then click Submit to reset your password and send an access email to your registered email address.

See the instructions above for Logging In Using an Access Email.

Logging Off

When you have completed your work, click Log Off in the main menu to exit the system and close the session.

If you close the window without logging off, your session will remain active until the system times out. To maintain the security of your account, you should Log Off.


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Home Page

The Home page will be the first page opened when you log into the system, and can be accessed directly by selecting Home in the main menu.

The content of the home page can be customized in your profile settings, where you can choose which of the available features will be displayed. See the Profile section for more information.

If active, the Welcome Text will be displayed. This may be the default content, or may be a custom message or instructions related to the portal and products.

If active, the Submission/Policy List will display all available submissions and policies.

Click a link in the Term ID / Policy No. column to view an existing submission or policy, or click Create to begin the process of creating a new submission.


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If active, the Notes & Follow Ups grid will display any notes that are due for follow up. By default, only notes with scheduled follow ups that are due or past-due will be displayed. Clearing the filters will display all available notes.

Click a link in the Created On column to view a note.


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Profile

The Profile page is used to manage your personal information and preferences, as well as resetting your password.

Click Profile in the main menu. The Profile page opens.

First Name/Last Name

The name in the account will be linked to any work done using the account. Both fields are required.

Email The email address is required, and should be kept current. This address will be used to send any notifications, as well as new access links if the password is forgotten.

Phone The phone number is not required, but is recommended.

Use Browser Settings If checked, the system will format language, date, and currency values according to the settings in your browser. If unchecked, the system will use the settings chosen in the Cultural Settings field. This allows custom settings to be chosen without affecting other websites.

Cultural Settings If Use Browser Settings is not checked, you may select a language from the list. The system will format date and currency values to match the standards of the selected language.


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Display Welcome Page Content Selects whether or not the greetings and instructions will be displayed.

Note: The Welcome Page content may have been customized to provide important information or instructions. Please review the content before deactivating it.

Display Submissions/Policies Panel

Selects whether or not to display the grid containing all available submissions and policies.

Display Notes & Follow Ups Panel

Selects whether or not to display the grid containing any notes or follow ups requiring action.

Note: The submission and notes options will only be available to users with the necessary rights to view submissions and notes, respectively.

Click Save to save the current settings, click Close to return to the home page without saving the changes, or click Save & Close to save the settings and return to the home page.

Click Assign Password to reset your password and send an access email to your registered email address. See the section on Logging In Using an Access Email for details.

Click Company Info to view your company's profile information.

Name Displays the company name.

Client Code Displays a unique identifier code for the company. This is used for integration purposes.

Owner’s Name Displays the name of the licensee company or office that “owns” your company within the system. This relates to the internal structure of the system, and does not imply ownership in the real world.

Phone Displays the company phone number.


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Fax Displays the company Fax number.

Website Displays the URL of the company's website.

Primary Contact Displays the primary contact, selected from the available users registered to the company.

The Address panel displays the full address of the company.

Default Commission

Displays the default commission configured for your company. This amount can be overridden in individual Master Covers.

Distributor Code Displays a unique identifier code for the company. This is used for integration purposes.

The Submission/Policy List displays all available submissions and policies to which the company is attached.

Click a link in the ID / Policy No. column to view a submission or policy.


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The Master Covers list displays all available Master Covers to which the company is attached.

Click a link in the Name column to view a Master Cover.

The Users list displays all available user accounts attached to the company.

Click a link in the Last Name column to view the user details.

Click Create to create a new user account. See the company and user setup guide for detailed instructions on user creation.

Active Marks the company as active and available for use. If unchecked, the company will remain linked to any existing records, but cannot be used for new accounts or transactions.

Created By Identifies the date and time the company record was created, and the user who created it.

Last Modified By

Identifies the last date and time the company record was changed, and the user who made the changes.

Click Close to return to the profile page.


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Using Calendar Lookups

The Calendar feature appears throughout the system, marked with the icon. The date may be manually typed in the text box or it may be selected by using the Calendar lookup.

1. Click the lookup icon to open the calendar.

2. Go forward or back one month at a time using the arrows in the top right and left.

3. To select a specific month, click the month and year at the top of the window. The Month Selection opens.

4. Go forward or back one year at a time using the arrows in the top right and left, then click the month to select it.

5. To select a specific year, click the year at the top of the window. The Year Selection opens.


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6. Go forward or back ten years at a time using the arrows in the top right and left, then click the year to select it.

7. At any time, the Today link at the bottom of the window will return to the current date.

8. Click the day in the calendar to close the window and insert that date in the field.

Note: Due to differences in international date formats, entering a date manually in the wrong format could result in an incorrect date. Using the calendar lookup ensures that the correct date is being entered.


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Using Grids to Filter and Sort Data

While some sections include simple tables of data that can be sorted by clicking the header, other sections may have multiple pages of complicated information that requires specific control. This is achieved using the advanced filter and sorting options of the grid.

Setting Filters

The filter option can be used to filter the data in a column, displaying entries that match or do not match a specified option or text.

Note: If the filter options are not shown, right click any column header and select Filter Bar from the menu.

1. Click the filter icon to open the filter menu. The available options will depend on the type of data in the column.

Not Set No filter will be applied to the column.

Greater Than For dates and numerical values, displays entries that exceed the filter value.

Greater Than or Equal To

For dates and numerical values, displays entries that match or exceed the filter value.

Less Than or Equal To For dates and numerical values, displays entries that match or are less than the filter value.


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Less Than For dates and numerical values, displays entries that are less than the filter value.

Equals To Only displays entries that match the filter text exactly.

Does Not Equal To Only displays entries that do not match the filter text exactly.

Like Displays all entries that start with the filter text.

Does Not Like Displays all entries that do not start with the filter text.

Contains Displays all entries that contain the filter text.

Does Not Contain Displays all entries that do not contain the filter text.

Is Null Displays entries that do not include the field being filtered.

Is Not Null Displays entries that include the field being filtered, even if that field is empty.

Is Empty Displays entries that include the field being filtered, but the field is empty.

Is Not Empty Displays entries that contain any value in this column.

Apply All Filters If the data has been changed, this option will refresh the filters.

Clear This Filter Clears the filter text and sets the filter type to Not Set.

Clear All Filters Clears all filter text on the current page and sets all filter types to Not Set.

2. Click in the space to the left of the filter icon to enter the filter text. Results will be displayed based on the chosen filter type in relation to this text. If no filter has been selected, a default filter will be applied, suitable to the type of data in the column. If the column is for dates, then a calendar lookup can be opened using the down arrow icon .

3. Press Enter when the filter text is in place, and the filter will be applied.

4. The filter text and filter type can be modified as needed to locate the required entries.

Note: Columns containing links cannot be filtered.

Sorting Data

Clicking the header of a column once will sort the data in ascending order, marked by an up arrow . Clicking the column again will sort by descending order, marked by a down arrow . Clicking a third time will remove the sorting, restoring the data to its default order.

The sorting options can also be reached by right-clicking any column header.


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Sort A to Z Sorts the column in ascending order.

Sort Z to A Sorts the column in descending order.

Navigating Multiple Pages of Data

If the data in a grid extends to multiple pages, the navigation buttons in the bottom right of the table can be used to move from page to page.

Go to the beginning or end of the list using the First Page or Last Page buttons.

Move forward or backward one page at a time using the Previous Page or Next Page buttons.

Click the down arrow next to the page number to jump directly to a specific page.

Configuring Grids

The grids can be adjusted to suit your personal preferences. The width of the columns, and even what columns to include, can all be set.

To manually adjust the width of the columns, click on a dividing line between the column headers and drag it left or right to the desired width. To automatically widen a column, right-click on the column header and select Best Fit. The column will be widened to fit the longest entry in that column.


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Columns can be added and removed as necessary. To quickly remove a column, right-click on the column header and select Remove This Column. To choose which columns to include or exclude, right click on any column header and highlight Select Columns. A list of available fields will expand.

Select or de-select any columns, then choose Apply Changes. The grid will be refreshed with the chosen columns. Choose Reset to return the grid to its default configuration.

Exporting Grid Data

The content of a grid can be exported in a variety of formats, useful for reports or record keeping.

The visible content of the grid will be included in the export, so columns can be added, removed, and reorganized, and all data can be filtered and sorted. The export will include the information as it is displayed.

Once all data is ready for export, click the Export Grid button in the bottom right of the grid to view the export options.


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Export root table This option is selected by default and cannot be changed.

Export selected child table

This option is unavailable.

HTML Exports the data into a new browser window.

PDF Exports the data as a PDF file that will open in a new browser window.

XML Exports the data in XML format into a new browser window.

EXCEL Generates an Excel file that can be saved or opened.

TIFF Generates a graphic file in TIFF format that can be saved or opened.

RTF Generates an RTF file that can be saved or opened.

TEXT Exports the data in Txt format into a new browser window.

Portrait / Landscape If the selected export format supports page formatting, this option will define if the output should be in portrait or landscape orientation.

Click Export Now to export the grid data with the selected settings.

For formats that generate a file, a standard Save / Open dialogue box will appear. Select if you want to Open the file in a suitable program, Save the file to your computer, or Cancel the export.


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Printing Documentation

Depending on your user rights, the type of submission or policy, and the current status of the submission or policy, there may be a selection of documents that can be printed.

When documents are available, the document dropdown, preview button and print button will be displayed near the bottom of the submission/policy form. If no documents are available, the dropdown and buttons will not be displayed.

1. Select a document type from the dropdown menu.

To view a draft version of the document, click Preview Document. Draft versions are not saved in the system, and can be used to preview the document or obtain client approval before final printing. Draft versions will have a DRAFT watermark.

To print the final version of the document, click Print Document. The document is generated and saved in the Documents/Forms panel.

2. A standard file download window will open to allow you to view the document or save it to your computer. Click Open to view the document, click Save to save the file, or click Cancel to close the window.

3. Once the document is open in Adobe Acrobat, click the print button in the Acrobat toolbar to print out the document.

When a document is printed, a copy is saved in the Documents/Forms panel.

1. To view a saved version of a document, click the link in the File Name column.

2. A standard file download window will open to allow you to view the document or save it to your computer. Click Open to view the document, click Save to save the file, or click Cancel to close the window.

3. Once the document is open in Adobe Acrobat, click the print button in the Acrobat toolbar to print out the document.

Notes: The Documents/Forms panel will be hidden if there are no available saved documents.


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If any changes are made to the submission form, the Print Document and Preview Document buttons will be disabled until the form has been recalculated. This ensures that all data in the generated document has been validated and saved.


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Sending Emails

Depending on your user rights, the type of submission or policy, and the current status of the submission or policy, there may be a selection of email templates available.

When email templates are available, the email dropdown and Send E-mail button will be displayed near the bottom of the submission/policy form. If no email templates are available, the dropdown and button will not be displayed.

1. Select an email template from the dropdown menu.

2. Click Send E-mail. Any changes to the form are saved, and the E-mail Message page opens.

To If manual override is not permitted for this email template, the To field will display the pre-set list of recipients. If manual override is permitted, recipients can be added or removed.Each recipient in the To list will be sent a separate, individual e-mail.

Use the double right arrow to add all items to the Included list.

Use the double left arrow to remove all items from the Included list.

Select one or more items in the Excluded list, and click the right arrow


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to add them to the Included list. Select one or more items in the Included list, and click the left arrow

to remove them from the Included list. Use the up and down arrows to the right of the Included list to change

the order of the included items.

Note: To select and move several items at once, select one item then hold the Shift key and select another item to select all items in between, or hold the Ctrl key to select individual items.

Additional To Any additional recipient addresses can be added in this field. Multiple addresses should be separated by commas. Like the To field, each addressee will be sent a separate e-mail. This field is only available if manual override is permitted for this email template.

Cc Any recipient addresses to be CCed can be added in this field. Multiple addresses should be separated by commas. All CCed addresses will be added to each individual e-mail sent to recipients in the To and Additional To fields, meaning CCed contacts may receive multiple copies of e-mails. This field is only available if manual override is permitted for this email template.

Bcc Any recipient addresses to be BCCed can be added in this field. Multiple addresses should be separated by commas. All BCCed addresses will be added to each individual e-mail sent to recipients in the To and Additional To fields, meaning BCCed contacts may receive multiple copies of e-mails. However, the BCCed addresses will not be shown on any of the emails. This field is only available if manual override is permitted for this email template.

Submission Creator

Check this box to send the email to the user who created the submission or policy. This field is only available if manual override is permitted for this email template.

Assured Check this box to send the email to the assured attached to the submission or policy. This field is only available if manual override is permitted for this email template.

Distributor Check this box to send the email to the distributor attached to the submission or policy. This field is only available if manual override is permitted for this email template.

Send Me a Copy

Check this box to send a copy of the email to the address registered in your user account.


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From Displays the user name or email address that will be shown as the sender of the email.

Email Subject Displays the subject line of the email, as it will appear on the outgoing email. If manual override is permitted for this email template, the subject can be edited.

Email Body Displays the body of the email, as it will appear on the outgoing email. If manual override is permitted for this email template, the body can be edited.

3. Click Send to send the email and return to the submission or policy form, or click Close to return to the form without sending the email.

Viewing the Email History

Once one or more emails have been sent from a submission or policy form, the Emails panel will be available, listing all available emails.

Click a link in the Subject column to view the email details.


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Policy Submission:

Policy Submission is the core function for handling the booking of policies.

In many cases, the system provides a fully automated workflow, allowing users to enter the coverage details, receive an automated quote, and bind the policy without any direct involvement from the Underwriters. However, when the coverage includes unusual details or requirements, or represents an increased level of risk, the Underwriters may need to review the information and decide how to proceed.

A submission begins with the Incomplete status. As the submission progresses and decisions are made, the status will change along with the available options. Each status is listed in this guide, with descriptions of some additional fields and options that may be related to that status.

Viewing Saved Submissions and Policies

While completing the submission form, it can be saved at any time. To view or take action on a submission of any status, you can look up the submission or policy in the system.

1. Click Submissions/Policies in the main menu. A full list of submissions and policies available to your account is displayed.

2. The filters and sorting options can be used to locate a specific submission. See the section on Using Grids to Filter and Sort Data for detailed instructions.

3. Click the link in the ID / Policy No column to open the submission or policy.

Note: Your account settings determine your level of access. You may be able to see and work with submissions and assureds created by other users in your organization, or you may only have access to the work you have created yourself.


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Creating a New Submission

The submission process involves up to four steps, selecting a product, creating or selecting an assured, completing the insurance form, then submitting the information.

In the main menu, click Submissions/Policies. The Select Submission/Policy or Create New Submission page opens with a list of all saved submissions available to your account.

Click Create. The New Submission page opens with a list of products.

Selecting the Product

All available products will be displayed, and may include additional information about each product. If any links are included in the description, clicking those links will open the link. Clicking anywhere else in the product description will select that product.

If only one product is available, that product will be selected automatically and this page will be skipped.

Once a product is selected, the Select or Create Assured page opens.

Selecting an Assured


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Notes: All fields marked with a red asterisk * are required and must be completed before proceeding.

Individual panels can be collapsed or expanded by clicking the plus or minus icons at the right side of the header.

1. Once the Product has been selected, the assureds list opens.

2. The following options are available:

Note: Not all Create buttons will be available. The settings in the product define the available options.

Click a link in the Name column to select one of the existing assureds. This will take you directly to the submission form, with the selected assured information filled in.

Click Create Assured to use a new assured for the submission. Depending on the settings in the currently selected product, you will be brought to an assured creation page.

o If the next page header is Company Assured Information, proceed to Creating an Assured Company.

o If the next page header is Individual Assured Information, proceed to Creating an Assured Individual.

Click Create Individual to use a new assured for the submission. Proceed to Creating an Assured Individual.

Click Create Company to use a new assured for the submission. Proceed to Creating an Assured Company.

Click Skip to proceed to the submission form without selecting an assured. The assured information can be entered later, but is required to obtain a quote or bind the policy.

Creating an Assured Company

An Assured Company is a company or organization that will be named as the assured in the policy.


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Distributor Displays the distributor the assured will be registered to.

Name Enter the name of the assured company.

Client Code

Enter an identification code for the assured company. This will be used for integration purposes.

Phone Enter the phone number of the assured company.

Fax Enter the fax number of the assured company.

Website Enter the URL of the assured company's website.

Fill in the full address of the assured company.


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First Name/Last Name

Enter the name of the primary contact at the assured company.

Employee Number Enter the employee number of the primary contact at the assured company.

E-mail Enter the email address of the primary contact at the assured company.

Phone

Enter the phone number of the primary contact at the assured company.

Click Next to save the assured information and proceed to the submission form, or click Back to return to the assured selection page without saving.

Creating an Assured Individual

An Assured Individual is the person that will be named as the assured in the policy.

Distributor Displays the distributor the assured will be registered to.


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Enter the full first and last names of the assured.

Fill in the full address of the assured.

E-mail Enter the email address of the assured.

Phone

Enter the phone number of the assured.

Click Next to save the assured information and proceed to the submission form, or click Back to return to the assured selection page without saving.


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Incomplete Submissions

Incomplete is the default status for newly created submissions, and existing submissions that have been reopened for editing.

Completing the Insurance Form

Notes: All fields marked with a red asterisk * are required and must be completed before proceeding.

Depending on the system settings and your individual security rights, some panels and fields may not be displayed.

Individual panels can be collapsed or expanded by clicking the plus or minus icons at the left side of the header.

1. Once the assured has been selected or entered, the submission page opens as Incomplete. Complete the insurance information.

Product This field identifies the insurance product you are applying for.

Policy No Once a policy has been bound, this field will display the system-generated policy number.

Endorsement No

Once the policy has been bound and one or more endorsements have been created, this field will display the number of the currently viewed endorsement.

Status This displays the current status of the submission or policy.

System ID Once the submission has been saved, this field will display the system-generated ID number.

Distributor Displays the distributor for the insurance.


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Displays the detailed information on the chosen assured. There will be some differences in the fields depending on whether the assured is a company or individual.

Click Edit Assured to save the submission and modify the information, which will be saved in the assured record.

Click Select Assured to save the submission and choose a different assured, or create a new one. If the assured selection was skipped, Select Assured is used to assign an assured to the submission.

You will be returned to this page when the changes are complete, or a new assured has been selected or created.

Effective Date Enter the date on which the coverage should begin, or select it from the calendar lookup .

Valid Until Depending on settings in the Master Cover, this date will default to an appropriate period, and may or may not be changed.


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Additional Panels

At this point, the form will include all of the custom panels that have been designed specifically for this insurance product.

If you have any difficulties completing the information in these panels, check to the right of the field names for help icons . Clicking the help icon will provide additional information on the field.

If further assistance is required, please contact your Insurance Representative.

Standard Panels (continued)

Notes may be attached to the submission at any stage. See the section on Attaching Notes for instructions.

Documents and files may be attached to the submission at any stage. See the section on Attaching Files for instructions.

2. Click Save at any time to save the submission form in its current state. The status will be saved as Incomplete and a System ID number will be added in the Policy Information panel. Once all necessary information has been entered, the form can be submitted for evaluation.

Submitting the form for a Quote

1. Complete a new submission form, or open a saved form with Incomplete status.

2. Click Get Quote. The submission will be saved and the system will evaluate the submission to determine the available options.


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If any required information is incorrect or incomplete, an error message will be shown at the top of the page, detailing what must be changed. Make any necessary corrections and click Get Quote again.

If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Underwriting Required Submissions.

If all necessary information is provided and does not require review by the underwriter, the Status will change to Quoted and the calculated premium will be displayed in the Quote Information section near the top of the form. Proceed to the section on Quoted Submissions.


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Underwriting Required Submissions

Underwriting Required status indicates that one or more details of the submission must go into referral to be reviewed by the underwriter. Some examples include a date or value that exceeds a preset limit, or an option that has been marked to automatically trigger a referral.

A special type of referral exists, called a Compliance Referral. This can occur when one or more details of the submission resemble people or places that are restricted by government sanctions. Like the normal referrals, the submission will need to be reviewed by the underwriter.

The reason(s) for the referral will be displayed at the top of the page.

Additional Information

Additional panels and fields may have been added to the form relating specifically to this status. Please review the form to determine if any new options are available or if any additional information must be provided.

If you have any difficulties completing the additional information, check to the right of the field names for help icons . Clicking the help icon will provide additional information on the field.


Options

The following options are available:

Click Edit Submission to return the submission to Incomplete status. This allows the submission to be edited in-depth. Proceed to the section on Incomplete Submissions.

Click Request Quote to submit the information for review. The status changes to Referred. Proceed to the section on Referred Submissions.

Note: Making any changes on this page will disable the Request Quote button. You will need to use the Edit Submission button to make changes and request a new quote.


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Quoted Submissions

A Quoted submission indicates that the terms and details of the submission are acceptable, and the policy is ready to be bound. The quote may have been generated automatically by the system, or may have been provided by the underwriter after being reviewed.

The current Quote Information, Limits, Deductibles, and Insuring Conditions are displayed for review. See the section on Managing Premiums, Limits, and Deductibles for more information.





Options


Click Edit Submission to return the submission to Incomplete status. This allows the submission to be edited in-depth. Proceed to the section on Incomplete Submissions.

If the option has been enabled in the master cover, the Request Special Quote button will be available. This button submits a request for a custom quote from the underwriter. The Status will change to Special Quote Requested. Proceed to the section on Special Quote Requested Submissions.

Changes to the information can be made directly on this page, with the Save button saving the current form at any time. Once all changes are complete, click Recalculate Quote to re-evaluate the form. This will perform the same checks as the Get Quote button on the Incomplete submission.

o If any required information is incorrect or incomplete, an error message will be shown at the top of the page, detailing what must be changed. Make any necessary corrections and click Recalculate Quote again.

o If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Underwriting Required Submissions.

o If all necessary information is provided and does not require review by the underwriter, the Status will remain as Quoted and the new calculated premium will be displayed in the Quote Information section near the top of the form.

Depending on the system settings, you may have the options to Bind or Request Bind.


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o Click Bind to accept the insurance coverage and bind the policy. The status changes to Bound. Proceed to the section on Bound Policies.

o Click Request Bind to accept the insurance coverage and request final approval from the underwriter. The status changes to Bind Requested. Proceed to the section on Bind Requested Submissions.

Note: Making any changes on this page will disable the Bind or Request Bind buttons until the submission has been recalculated.


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Lost Submissions

If there is no activity on a Quoted submission for a period of time, or if the Underwriter has other reasons to feel the business has been lost, the quote can be marked as Lost by the Underwriter. An expiry date may also be set to automatically mark the quote as Lost after a certain period of time.

A Lost submission cannot be bound. However, it can be returned to quoted status to continue the submission process.





Options

Click Edit Submission to return the lost submission to Incomplete status. This allows the submission to be edited in-depth. Proceed to the section on Incomplete Submissions.

If the option has been enabled in the master cover, the Request Special Quote button will be available. This button submits a request for a custom quote from the underwriter. The Status will change to Special Quote Requested. Proceed to the section on Special Quote Requested Submissions.

While in Lost status, changes to the information can be made directly on this page, with the Save button saving the current form at any time. Once all changes are complete, click Recalculate Quote to re-evaluate the form. This will perform the same checks as the Get Quote button on the Incomplete submission.


o If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Underwriting Required Submissions.

o If all necessary information is provided and does not require review by the underwriter, the Status will change to Quoted and the new calculated premium will be displayed in the Quote Information section near the top of the form. Proceed to the section on Quoted Submissions.

Depending on the system settings, you may have the option to Request Bind. Click Request Bind to accept the insurance coverage and request final approval from the


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underwriter. The status changes to Bind Requested. Proceed to the section on Bind Requested Submissions.

Note: Making any changes on this page will disable the Request Special Quote and Request Bind buttons (if available) until the submission has been recalculated.


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Referred Submissions

A Referred submission requires review by the underwriter. The submission may be declined, accepted as-is, or modified and returned as a quote.


The following field(s) and/or panel(s) have been added to the form for additional information:

In the Policy Information panel:

Referral Reason

Displays the reason(s) the submission went into referral.




Options

Referred submissions can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Special Quote Requested Submissions

If the option is enabled in the master cover, a user can request a special quote from the underwriter. The underwriter will have the options to decline the request, accept and bind the submission with its current settings, or modify the submission and return it as a quote.





Options

Special Quote Requested submissions can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Bind Requested Submissions

If a submission meets the preset requirements of the master cover, the end user may be able to Bind the policy themselves. However, the master cover may be set up to not allow end users to bind policies, or only allow it under certain circumstances. In these cases, the end user will have the option to Request Bind, placing the submission into Bind Requested status. The submission can then be reviewed by the underwriter. The submission may be declined, accepted as-is, or modified and returned as a quote.





Options

Bind Requested submissions can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Declined Submissions

If a submission is sent to the underwriter for review, they may choose to Decline the submission for a variety of reasons.


The following fields have been added to the form for additional information:

In the Quote Information panel:

Referral Reason


Reject Reason Displays the reason(s) the submission has been declined.




Options


Click Copy to create a new submission with identical information to the declined submission. The new submission will have the Incomplete status. Proceed to the section on Incomplete Submissions.


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Bound Policies

Once a policy is Bound, the coverage is booked.






Options


Click Cancel to begin the process of cancelling the policy. Proceed to the section on Cancellation - Incomplete Policies.

Once bound, a policy cannot be changed. Click Endorse to create a new version of the policy within the current policy period. The endorsement can be edited and bound, thus changing the terms of the policy. The status will change to Endorsement - Incomplete. Proceed to the section on Endorsement - Incomplete Submissions.

Note: Depending on the master cover settings, the Endorse option may only be available for the most recent transaction of the current term.

Click Renew to initiate a renewal for a new term. The Effective Date of the renewal will begin one day after the Valid Until date of the current policy. Proceed to the section on Renewal – Incomplete Submissions.

Click Copy to create a new submission with identical information to the bound submission. The new submission will have the Incomplete status. Proceed to the section on Incomplete Submissions.


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Policy Cancellation:

Once a policy is bound, it can remain in effect until it reaches its expiry date, or it can be cancelled. Cancellation may result in a full or partial refund of the premium, according to rules set by the underwriter.

Cancellation - Incomplete Policies

Once a cancellation has been initiated, the policy changes to status Cancellation - Incomplete.


The following panel has been added to the form for additional information:

The Cancellation panel is added to track details of the cancellation.

Cancellation Date Enter the date that the cancellation takes effect, or select the date from the calendar lookup .

Cancellation Reason

Select the reason for the cancellation. If Other is selected, provide the reason in the following field.





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Options


To proceed with the cancellation, click Calculate Refund. The system calculates the amount to be refunded based on the cancellation date relative to the expiry date of the policy. The status changes to Cancellation - Quoted. Proceed to the section on Cancellation - Quoted Policies.

Click Reject Cancellation to reject the cancellation request and return the policy to Bound status. Proceed to the section on Bound Policies.


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Cancellation - Quoted Policies

Once a cancellation has been requested, clicking Calculate Refund will determine the expected amount to be refunded to the client, changing the policy status to Cancellation - Quoted.

The current Quote Information is displayed for review.




Cancellation Date Displays the date that the cancellation takes effect.

Cancellation Reason

Displays the reason for the cancellation. If Other is selected, the reason will be provided in the following field.




Options


Click Confirm Cancellation to finalize the policy cancellation. The status will change to Cancelled. Proceed to the section on Cancelled Policies.

If any changes are made to the policy form, click Calculate Refund. The system will re-calculate the amount to be refunded based on the cancellation date relative to the expiry date of the policy.


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Note: This will remove any premium adjustments that were added manually.

Click Reject Cancellation to reject the cancellation request and return the policy to Bound status. Proceed to the section on Bound Policies.


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Cancelled Policies

Once a policy has been cancelled, it will no longer be in effect as of the listed cancellation date.





Cancellation Date Displays the date that the cancellation takes effect.

Cancellation Reason

Displays the reason for the cancellation. If Other has been selected, the reason will be included in the following field.




Options

A Cancelled policy can only be reinstated by the underwriter.


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Policy Reinstatement:

A policy could be cancelled for a variety of reasons. If the cause is resolved, a policy can be reinstated. A reinstated policy can be endorsed, renewed, or even cancelled again.

Reinstatement can only be initiated by the underwriter. Please contact your insurance representative to request the reinstatement of a policy.

Reinstatement - Quoted Policies

On clicking the Reinstate button, the Quote status is displayed. The effective dates will be the same as the Cancellation, and the premium will be set to reverse any refund that was generated by the cancellation. All other information will match the policy as it was when it was cancelled.




The Reinstatement panel is added for additional information related to the reinstatement.

Reinstatement Reason Displays the reason for the reinstatement.




Options


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Reinstatement - Quoted policies can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Reinstatement - Bound Policies

Once a reinstatement is bound, it is handled almost exactly like a normal bound policy.




The Reinstatement panel is added for additional information related to the reinstatement.

Reinstatement Reason Displays the reason for the reinstatement.




Options



Once bound, a reinstated policy cannot be changed. Click Endorse to create a new version of the policy within the current policy period. The endorsement can be edited and bound, thus changing the terms of the policy. The status will change to Endorsement - Incomplete. Proceed to the section on Endorsement - Incomplete Submissions.


Click Renew to initiate a renewal for a new term. The Effective Date of the renewal will begin one day after the Valid Until date of the current policy. Proceed to the section on Renewal – Incomplete Submissions.


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Policy Endorsement:

Once a policy is bound, no further changes can be made. If a modification is required, an endorsement must be created. The endorsement will replace the previous version of the policy for the duration of the endorsement’s Effective Coverage Period.

Endorsement - Incomplete Submissions

When initiating an endorsement, all policy information is copied into an endorsement submission form. The endorsement submission has the status Endorsement - Incomplete and is handled very similarly to a new submission, except that it is linked to the original policy and must be within the Effective Coverage Period of the original policy.





Options

Make all necessary changes, using the Save button when necessary to save the current status of the endorsement.

Click Get Quote. The endorsement will be saved and the system will evaluate the endorsement to determine the available options.


If one or more entries in the form require review by the underwriter, the endorsement will need to go into referral. The Status will change to Endorsement - Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Endorsement - Underwriting Required Submissions.


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If all necessary information is provided and does not require review by the underwriter, the Status will change to Endorsement - Quoted and the calculated premium will be displayed in the Quote Information section near the top of the form. Proceed to the section on Endorsement - Quoted Submissions.


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Endorsement - Underwriting Required Submissions

Endorsement - Underwriting Required status indicates that one or more details of the endorsement must go into referral to be reviewed by the underwriter. Some examples include a date or value that exceeds a preset limit, or an option that has been marked to automatically trigger a referral.

A special type of referral exists, called a Compliance Referral. This can occur when one or more details of the endorsement resemble people or places that are restricted by government sanctions. Like the normal referrals, the endorsement will need to be reviewed by the underwriter.






Options


Click Edit Submission to return the submission to Endorsement - Incomplete status. This allows the endorsement to be edited in-depth. Proceed to the section on Endorsement - Incomplete Submissions.

Click Request Quote to submit the information for review. The status changes to Endorsement - Referred. Proceed to the section on Endorsement - Referred Submissions.



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Endorsement - Quoted Submissions

An Endorsement - Quoted submission indicates that the terms and details of the endorsement are acceptable, and the policy is ready to be bound. The quote may have been generated automatically by the system, or may have been provided by the underwriter after being reviewed.


Note: Since the premium for the original policy will already have been billed or paid, a premium will not be displayed in the endorsement unless changes are made that result in additional charges or refunds.





Options



If the option has been enabled in the master cover, the Request Special Quote button will be available. This button submits a request for a custom quote from the underwriter. The Status will change to Endorsement - Special Quote Requested. Proceed to the section on Endorsement - Special Quote Requested Submissions.

Changes to the information can be made directly on this page, with the Save button saving the current form at any time. Once all changes are complete, click Recalculate Quote to re-evaluate the form. This will perform the same checks as the Get Quote button on the Endorsement - Incomplete submission.


o If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Endorsement - Underwriting Required, and the reason(s) for the referral will be displayed at the


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top of the form. Proceed to the section on Endorsement - Underwriting Required Submissions.

o If all necessary information is provided and does not require review by the underwriter, the Status will remain as Endorsement - Quoted and any changes to the calculated premium will be displayed in the Quote Information section near the top of the form.

Depending on the system settings, you may have the options to Bind or Request Bind.o Click Bind to accept the endorsement and bind the policy. The status changes to

Endorsement - Bound. Proceed to the section on Endorsement - Bound Policies.o Click Request Bind to accept the insurance coverage and request final approval

from the underwriter. The status changes to Endorsement - Bind Requested. Proceed to the section on Endorsement - Bind Requested Submissions.

Note: Making any changes on this page will disable the Request Bind button until the submission has been recalculated.


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Endorsement - Lost Submissions

If there is no activity on a Quoted endorsement for a period of time, or if the Underwriter has other reasons to feel the quote will not be accepted, the endorsement quote can be marked as Lost by the Underwriter. An expiry date may also be set to automatically mark the quote as Lost after a certain period of time.

A Lost endorsement cannot be bound. However, it can be returned to quoted status to continue the endorsement process.

Note: The Lost status only applies to the selected endorsement. This does not affect the original term or any other endorsements in any way.





Options


If the option has been enabled in the master cover, the Request Special Quote button will be available. This button submits a request for a custom quote from the underwriter. The Status will change to Endorsement - Special Quote Requested. Proceed to the section on Endorsement - Special Quote Requested Submissions.

Changes to the information can be made directly on this page, with the Save button saving the current form at any time. Once all changes are complete, click Recalculate Quote to re-evaluate the form. This will perform the same checks as the Get Quote button on the Endorsement - Incomplete submission.


o If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Endorsement - Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Endorsement - Underwriting Required Submissions.


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o If all necessary information is provided and does not require review by the underwriter, the Status will change to Endorsement - Quoted and any changes to the calculated premium will be displayed in the Quote Information section near the top of the form. Proceed to the section on Endorsement - Quoted Submissions.

Depending on the system settings, you may have the options to Request Bind. Click Request Bind to accept the insurance coverage and request final approval from the underwriter. The status changes to Endorsement - Bind Requested. Proceed to the section on Endorsement - Bind Requested Submissions.

Note: Making any changes on this page will disable the Request Special Quote and Request Bind buttons (if available) until the submission has been recalculated.


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Endorsement - Referred Submissions

An Endorsement - Referred submission requires review by the underwriter. The endorsement may be declined, accepted as-is, or modified and returned as a quote.





Options

Referred endorsements can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Endorsement - Special Quote Requested Submissions

If the option is enabled in the master cover, a user can request a special quote from the underwriter. The underwriter will have the options to decline the request, accept and bind the endorsement with its current settings, or modify the endorsement and return it as a quote.





Options

Special Quote Requested endorsements can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Endorsement - Bind Requested Submissions

If an endorsement meets the preset requirements of the master cover, the end user may be able to Bind the endorsement themselves. However, the master cover may be set up to not allow end users to bind endorsements, or only allow it under certain circumstances. In these cases, the end user will have the option to Request Bind, placing the endorsement into Bind Requested status. The endorsement can then be reviewed by the underwriter. The endorsement may be declined, accepted as-is, or modified and returned as a quote.





Options

Endorsement - Bind Requested submissions can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Endorsement - Declined Submissions

If an endorsement is sent to the underwriter for review, they may choose to Decline the endorsement for a variety of reasons.

A declined endorsement does not have any effect on the existing policy or any previous bound endorsements.




Referral Reason


Reject Reason Displays the reason(s) the endorsement has been declined.




Options

No actions can be taken on a Declined endorsement.


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Endorsement - Bound Policies

Once an endorsement policy is Bound, the new coverage terms will apply for the Effective Coverage Period of the endorsement.


Note: Since the premium for the original policy will already have been billed or paid, a premium will not be displayed in the endorsement unless changes are made that result in additional charges or refunds.





Options


Click Cancel to begin the process of cancelling the endorsement. Proceed to the section on Cancellation - Incomplete Policies.

Once bound, an endorsement cannot be changed. Click Endorse to create a new endorsement based on the current endorsement. The endorsement can be edited and bound, thus changing the terms of the policy. The status will change to Endorsement - Incomplete. Proceed to the section on Endorsement - Incomplete Submissions .


Click Renew to initiate a renewal for a new term using the settings from this endorsement. The Effective Date of the renewal will begin one day after the Valid Until date of the current policy. Proceed to the section on Renewal – Incomplete Submissions.


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Policy Renewal:

In order to increase efficiency and decrease repetitive data entry, bound policies can be renewed. A new term is prepared according to the settings in the Master Cover, and the renewal goes through the same review and approval processes as a new submission (including quoting, referrals, and bind requests, as necessary).

A renewal can be initiated from any bound policy or endorsement.

Renewal - Notes

When initiating a renewal, much of the policy information is copied into a renewal submission form. The renewal submission has the status Renewal - Incomplete and is handled very similarly to a new submission.

The existing policy number will be kept. To generate a new policy number instead, the Copy feature can be used on the original policy to generate a new submission.

The Effective Date will default to the day after the Valid Until date of the source policy, but can be changed. The Valid Until date of the renewal will be determined by the defaults set in the Master Cover.

The Assured information will be copied from the source policy or endorsement at the time that the renewal is initiated, and will not include any changes that may have been made to the assured information outside of the source policy.

Notes, attachments, and any generated documentation will not be copied to the renewal. The Policy Transactions panel will also be cleared, as the renewal stands as its own distinct version of the policy. The source policy is kept intact in the Submissions/Policies list, along with the history and all notes, attachments, and documentation.

Only one renewal can be created for any single source policy. If a user attempts to create a second renewal from a policy that already has a renewal, an error message will be displayed and the renewal will not be created. A renewal can be created from a renewal, with the Effective Coverage Period reflecting the next period after the source renewal.

Cancelled policies cannot be renewed. For this reason, a renewal cannot be initiated if a cancellation is in process on the source policy, regardless of the status of the cancellation. Similarly, a cancellation cannot be initiated on the source policy if a renewal exists.


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Renewal - Incomplete Submissions

When initiating a renewal, all policy information is copied into a renewal submission form. The renewal submission has the status Renewal - Incomplete.





Options

Make all necessary changes, using the Save button when necessary to save the current status of the renewal.

Click Get Quote. The renewal will be saved and the system will evaluate the renewal to determine the available options.


If one or more entries in the form require review by the underwriter, the renewal will need to go into referral. The Status will change to Renewal - Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Renewal - Underwriting Required Submissions.

If all necessary information is provided and does not require review by the underwriter, the Status will change to Renewal - Quoted and the calculated premium will be displayed in the Quote Information section near the top of the form. Proceed to the section on Renewal - Quoted Submissions.


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Renewal - Underwriting Required Submissions

Renewal - Underwriting Required status indicates that one or more details of the renewal must go into referral to be reviewed by the underwriter. Some examples include a date or value that exceeds a preset limit, or an option that has been marked to automatically trigger a referral.

A special type of referral exists, called a Compliance Referral. This can occur when one or more details of the renewal resemble people or places that are restricted by government sanctions. Like the normal referrals, the renewal will need to be reviewed by the underwriter.






Options


Click Edit Submission to return the renewal to Renewal - Incomplete status. This allows the renewal to be edited in-depth. Proceed to the section on Renewal - Incomplete Submissions.

Click Request Quote to submit the information for review. The status changes to Renewal - Referred. Proceed to the section on Renewal - Referred Submissions.



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Renewal - Quoted Submissions

A Renewal - Quoted submission indicates that the terms and details of the renewal are acceptable, and the policy is ready to be bound. The quote may have been generated automatically by the system, or may have been provided by the underwriter after being reviewed.






Options


Click Edit Submission to return the submission to Renewal - Incomplete status. This allows the renewal to be edited in-depth. Proceed to the section on Renewal - Incomplete Submissions.

If the option has been enabled in the master cover, the Request Special Quote button will be available. This button submits a request for a custom quote from the underwriter. The Status will change to Renewal - Special Quote Requested. Proceed to the section on Renewal - Special Quote Requested Submissions.

Changes to the information can be made directly on this page, with the Save button saving the current form at any time. Once all changes are complete, click Recalculate Quote to re-evaluate the form. This will perform the same checks as the Get Quote button on the Renewal - Incomplete submission.


o If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Renewal - Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Renewal - Underwriting Required Submissions.

o If all necessary information is provided and does not require review by the underwriter, the Status will remain as Renewal - Quoted and any changes to the calculated premium will be displayed in the Quote Information section near the top of the form.


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Depending on the system settings, you may have the options to Bind or Request Bind.o Click Bind to accept the renewal and bind the policy. The status changes to

Renewal - Bound. Proceed to the section on Renewal - Bound Policies.o Click Request Bind to accept the insurance coverage and request final approval

from the underwriter. The status changes to Renewal - Bind Requested. Proceed to the section on Renewal - Bind Requested Submissions.

Note: Making any changes on this page will disable the Bind and Request Bind buttons until the renewal has been recalculated.


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Renewal - Lost Submissions

If there is no activity on a Quoted renewal for a period of time, or if the Underwriter has other reasons to feel the business has been lost, the renewal quote can be marked as Lost by the Underwriter. An expiry date may also be set to automatically mark the quote as Lost after a certain period of time.

A Lost renewal cannot be bound. However, it can be returned to quoted status to continue the renewal process.





Options

Click Edit Submission to return the submission to Renewal - Incomplete status. This allows the renewal to be edited in-depth. Proceed to the section on Renewal - Incomplete Submissions.

If the option has been enabled in the master cover, the Request Special Quote button will be available. This button submits a request for a custom quote from the underwriter. The Status will change to Renewal - Special Quote Requested. Proceed to the section on Renewal - Special Quote Requested Submissions.

Changes to the information can be made directly on this page, with the Save button saving the current form at any time. Once all changes are complete, click Recalculate Quote to re-evaluate the form. This will perform the same checks as the Get Quote button on the Renewal - Incomplete submission.


o If one or more entries in the form require review by the underwriter, the submission will need to go into referral. The Status will change to Renewal - Underwriting Required, and the reason(s) for the referral will be displayed at the top of the form. Proceed to the section on Renewal - Underwriting Required Submissions.

o If all necessary information is provided and does not require review by the underwriter, the Status will change to Renewal - Quoted and any changes to the calculated premium will be displayed in the Quote Information section near the top of the form. Proceed to the section on Renewal - Quoted Submissions.

Depending on the system settings, you may have the option to Request Bind. Click Request Bind to accept the insurance coverage and request final approval from the


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underwriter. The status changes to Renewal - Bind Requested. Proceed to the section on Renewal - Bind Requested Submissions.

Note: Making any changes on this page will disable the Request Special Quote and Request Bind buttons (if available) until the renewal has been recalculated.


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Renewal - Referred Submissions

An Renewal - Referred submission requires review by the underwriter. The renewal may be declined, accepted as-is, or modified and returned as a quote.





Options

Referred renewals can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Renewal - Special Quote Requested Submissions

If the option is enabled in the master cover, a user can request a special quote from the underwriter. The underwriter will have the options to decline the request, accept and bind the renewal with its current settings, or modify the renewal and return it as a quote.





Options

Special Quote Requested renewals can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Renewal - Bind Requested Submissions

If a renewal meets the preset requirements of the master cover, the end user may be able to Bind the renewal themselves. However, the master cover may be set up to not allow end users to bind renewals, or only allow it under certain circumstances. In these cases, the end user will have the option to Request Bind, placing the endorsement into Bind Requested status. The renewal can then be reviewed by the underwriter. The renewal may be declined, accepted as-is, or modified and returned as a quote.





Options

Renewal - Bind Requested submissions can only be handled by the underwriter. No further action will be possible until a decision has been made.


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Renewal - Declined Submissions

If a renewal is sent to the underwriter for review, they may choose to Decline the renewal for a variety of reasons.

A declined renewal does not have any effect on the previous term, and a new renewal may be initiated.




Referral Reason


Reject Reason Displays the reason(s) the renewal has been declined.




Options


Click Copy to create a new submission with identical information to the declined renewal. The new submission will have the Incomplete status. Proceed to the section on Incomplete Submissions.


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Renewal - Bound Policies

Once an renewal is Bound, the coverage terms will apply for the Effective Coverage Period of the renewal.






Options



Once bound, a renewal cannot be changed. Click Endorse to create an endorsement transaction for the renewal. The endorsement can be edited and bound, thus changing the terms of the policy. The status will change to Endorsement - Incomplete. Proceed to the section on Endorsement - Incomplete Submissions.


Click Renew to initiate a renewal for the next term. The Effective Date of the new renewal will begin one day after the Valid Until date of the current renewal. Proceed to the section on Renewal – Incomplete Submissions.

Click Copy to create a new submission with identical information to the bound renewal. The new submission will have the Incomplete status. Proceed to the section on Incomplete Submissions.


82Bridge User Guide

Other Submission Features:

There are some features that are common throughout the system, although they may still depend on system settings and the status of the submission or policy.

Viewing Premiums and Commissions

At many points in the submission process, the system may display the premium information and commissions.

The Quote Information panel lists the premiums and associated commissions currently applied to the submission or policy.

Click a link in the Premium column to view the detailed breakdown of that premium. The Premium Details page opens.


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Premium Type Displays the type of premium.

Currency Displays the currency for the premium.

Gross Premium

Displays the full premium amount.

Commission Displays the amount of commission to be deducted from the Gross Premium.

Net Premium Displays the calculated premium after deducting Commission.

Tax All applicable taxes will be listed.

Total Displays the calculated total premium for this entry.

Click Close to return to the submission or policy.

Viewing Limits

At many points in the submission process, the system may display the limits that apply to the coverage.

The Limits panel lists the premium types and associated limits currently applied to the submission or policy.


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Click a link in the Premium Type column to view the detailed breakdown of that limit entry. The Limits page opens.


Description A brief description of the limit.

Limit Type Displays how the limit is applied.

Amount Displays the selected limit for this premium type.

Currency Displays the currency for the limit value.


Viewing Deductibles

At many points in the submission process, the system may display the deductibles that apply to the coverage.

The Deductibles panel lists the premium types and associated deductibles currently applied to the submission or policy.


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Click a link in the Premium Type column to view the detailed breakdown of that deductible entry. The Deductibles page opens.


Description A brief description of the deductible.

Deductible Type Displays how the deductible is applied.

Amount / Percentage

Displays whether the deductible is a flat amount, or a percentage of the premium.

Amount Displays the deductible for this premium type, as either a flat Amount or a Percentage depending on the Amount / Percentage field.

Currency Displays the currency for the deductible value.

Min For deductibles that are calculated as a percentage, this field defines the minimum deductible amount.

Max For deductibles that are calculated as a percentage, this field defines the maximum deductible amount.



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Viewing Insuring Conditions

At many points in the submission process, the system may display the insuring conditions that apply to the coverage.

The Insuring Conditions panel contains the full conditions of insurance.

Attaching Notes to a Submission or Policy

Notes can be added to a submission or policy to provide additional information or to serve as a reminder if any actions need to be taken at a later date.

Notes can also be added when making certain changes to a submission or policy. These notes will be added to the notes list, and will also be sent to any contacts set up to receive notifications.

The Notes section displays all notes attached to the current submission or policy.

Click Add to create a new note. The Note page opens.


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Transaction ID This field identifies the attached submission or policy.

Assured Displays the name of the assured for the attached submission or policy.

Policy Transaction Displays the transaction type of the attached submission or policy.

Text Enter the note text.

Follow-Up Enter a date to schedule a follow-up, or select it from the lookup .

Click Add to save the note but remain in the note page, click Add & Close to save the note and return to the submission/policy page, or click Close to return to the submission/policy page without saving the note.

The note will be added to the notes list. Once a follow-up date has been reached (if a follow-up date was included), the note will also be displayed in the Notes grid on the home page. See Home Page - Notes for additional details.

Click a link in the Created On column to view the note. The Note page opens with the note settings. The Status panel identifies the user who created the note and the last user to modify the note, as well as the date and time of each.


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Attaching Files to a Submission or Policy

Documents and pictures can be attached to a submission or policy to provide additional information.

The Attachment List section displays all files attached to the current submission/policy.

Click Add to attach a new file. The Attachment page opens.


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Description

Enter a description of the file.

Type Select the type of attachment.

Certified This box may be used by the underwriter to certify an official attachment.

Click the Browse button to open a standard file selection window. Select the file to be attached and click Open. The full path and filename will be displayed in the File field.

Click Add to attach the file but remain in the attachment page, click Add & Close to attach the file and return to the submission or policy, or click Close to return to the submission or policy without attaching the file.

The file will be added to the Attachment List.

To view the attachment details, click a link in the File Name column. The Attachment page opens with the file settings. The Status panel identifies the user who attached the file and the last user to modify the settings, as well as the date and time of each.


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Click Save to save any changes to the file settings but remain in the attachment page, click Save & Close to save the changes and return to the submission or policy, or click Close to return to the submission or policy without saving any changes.

To download the attached file itself, click a link in the Download column. A standard file download window will open. Click Open to view the document immediately, Save to save the file, or Cancel to discard the document.

Check the box for any particular file to mark it for deletion, or check the box in the header line to mark all attachments for deletion. Click Delete to remove all checked files.

Note: When a policy is endorsed, attached files will not be transferred to the endorsement. To view files attached to previous versions of a policy, select the appropriate System ID in the Policy Transactions section to open that version.

Viewing the Policy History

When viewing policies in the Submissions/Policies grid, the overall status is shown for the entire policy period. However, clicking the link to view the policy will open the most recent transaction for that policy. This may be the original policy, or the latest in a series of endorsements.

All previous versions of the policy are saved in the system, from the original policy, through each endorsement. These are displayed in the Policy Transactions section.


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Click a link in the System ID column to view that version of the policy.

The policy information will be shown with the data and settings that were in place at the time of endorsement. It will also include any attached files, which will not have been copied to the endorsement.


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