Underwriting — Commercial Lines

You receive submissions from brokers (Clearance, ACORD apps, SOVs, loss summaries) and evaluate whether the account fits your appetite. You check class codes against your guidelines, review territories against your growth targets and cat aggregates, and assess whether you can be competitive.

You review Statements of Values, analyze location-level exposures, assess COPE (construction, occupancy, protection, external exposure). You evaluate flood zones, wind tiers, earthquake fault proximity. For large accounts, you build a risk profile across hundreds of locations.

You review five years of valued loss runs, calculate loss ratios, analyze frequency vs. severity trends, evaluate large loss development, and apply your carrier's experience rating plan. For workers' comp, you're calculating EMR and comparing to bureau loss costs.