Underwriting Appetite Review Agent

In commercial and specialty insurance, underwriters spend much of their day reading broker submissions before they can decide anything. Applications, schedules of values and loss runs arrive in a shared mailbox, and the details that decide appetite are scattered across their pages. This Botlit concept shows a governed review agent that does the reading and checking, shows where every fact came from, and leaves every decision to people.

The illustration opens one sample submission under a Submission Reviewer agent, chosen from a submission selector in the breadcrumb. The header names the sample insured, a grain cooperative, and carries badges for commercial property, the total insured value and a Refer status, with a tag noting the record was received from FluidGrids submission extraction. An Extracted fields table lists named insured, locations, construction, occupancy, protection and loss history, each with its value, the source document it came from, with a page number where the document has one, and a check. Five fields read Confirmed. The protection field, where the sprinkler detail on the application could not be read, is highlighted and marked Needs a person rather than filled with a guess.

Two panels explain the judgment. Appetite flags lists each issue the agent found with a cited section of the underwriting guide: one flag to refer grain handling risks above an insured value threshold, marked Refer, and one noting that a dust control program is required, marked Ask broker. Guide passages used shows the retrieved passages behind those flags, each with a similarity score, an Underwriting Guide badge and an excerpt, so an underwriter can read the rule itself rather than trust a summary.

The design splits the work across two Burdenoff products. FluidGrids is designed to pick each submission up from the underwriting mailbox, extract the named insured, locations, values and the construction, occupancy, protection and exposure details, and hand the record to the Botlit agent. After the review, a card confirms the record was returned to FluidGrids for submission routing, where clearance and appetite rules are designed to run and the underwriters' queue to be ranked. A note on that card states the boundary plainly: the agent never quotes, declines or binds. The concept is aimed at commercial and specialty underwriters, underwriting assistants and the managers who set appetite.