Checklist engine
Set the required items for each coverage line once. Every new submission is checked against them automatically, with the evidence behind each result.
Named insured & FEIN
ACORD 125 · p.1
NAICS / business description
Differs from supplement
Revenue, current year
ACORD 125 · p.2
Loss runs, 5 years
Only 3 years provided
Subcontractor costs
ACORD 126 · p.1
Prior carrier & premium
Not found
Separate requirements for General Liability, Property, Commercial Auto and Workers' Comp, so a GL-only risk is not held up by Auto requirements.
When you change a rule, past submissions keep the version they were checked against. Results stay explainable months later.
A 'met' item links to the page where the value was found. A 'missing' item says exactly what to request.
Every account manager works from the same checklist, so packet quality does not depend on who prepared it.
Mark which coverage lines the submission is for. Only the relevant rules are applied.
ACORD forms, supplements, loss runs and SOVs are read and the key values extracted.
Missing and uncertain items are listed first, ready to turn into a follow-up email.
General Liability
Property
Workers' Comp
Starting rules that agencies can adjust. Each change creates a new checklist version.
| Line | Examples of default checks |
|---|---|
| General Liability | Revenue present; hazard classes listed; subcontracted work %; prior coverage and losses |
| Property | Every location has address, construction, occupancy, year built and values; protection class |
| Commercial Auto | Vehicle schedule; driver list; garaging addresses; radius of operation |
| Workers' Compensation | Payroll by class code; employee counts; experience mod; officers included or excluded |
| All lines | Named insured, FEIN, effective date and loss runs covering the required years |
Common requirements include named insured and FEIN, business description and NAICS code, revenue and payroll by year, prior carrier and expiring premium, and at least three to five years of currently valued loss runs.
Property adds statement of values, construction, occupancy, protection and exposure (COPE) details. Auto adds driver and vehicle schedules. Workers' Comp adds payroll by class code and experience mod. You decide which of these are required, optional, or review-only.
Checklist rules are versioned. Each analysis records which version was used, so a past submission can always be explained even after the rules change.
Results show one of three states — met, missing or needs review — with the evidence that decided it.
Yes. Admins can add, remove or change rules per coverage line. Each change creates a new version, and earlier submissions keep the version they were checked against.
The value was found but with low confidence, or two documents disagree. A person should confirm it before the submission goes out.
Yes. Select several lines and the rules for each are combined into one list, without duplicating shared items like named insured or FEIN.
General Liability, Commercial Property, Commercial Auto and Workers' Compensation are included. Other lines can be modelled with custom rules.
Yes. Agency admins can edit rules per line of business; changes create a new version.