Whether submissions arrive through agents, portals, or third-party systems, underwriters spend an enormous amount of time chasing missing details or manually pulling data from outside sources. BriteCore transforms intake into a clean, structured workflow:

• Capture submissions digitally or ingest them directly from agency systems
• Auto-populate property, location, and risk characteristics using trusted third-party data partners
• Automatically flag incomplete or inconsistent information before an underwriter reviews it
  

Underwriters spend less time on data cleanup and more time applying expertise — screening more submissions per day with higher accuracy

Once information is in place, the quoting process often breaks down due to manual calculations, outdated rating spreadsheets, or slow back-and-forth with agents. BriteCore keeps the quoting workflow fast, consistent, and transparent:

• Automatic rating based on pre-configured factors, calculations and tiering rules
• Instant recalculation when agents or underwriters adjust exposures, coverages, or limits
• Clear visibility into required documentation, missing info, or processing exceptions
• Ability to run multiple quote scenarios without recreating data
• Supports Straight-Through-Processing (STP) for qualified submissions, enabling low-risk risks to flow from quote to bind automatically without manual intervention.

Turnaround times shrink from days to hours, helping your team win business and respond to agents with greater speed and confidence.

Underwriters typically need to jump between PDF submissions, vendor reports, emails, images, and internal systems to make a decision — a process prone to oversights and delays. BriteCore brings everything together:

• Side-by-side comparison of submission data, inspection results, and loss history
• Automated checks against guidelines, thresholds, and referral rules
• Tools to request clarifications from agents directly inside the system
• Streamlined exception approval workflows for senior underwriters
  

Underwriters stay in flow, review all information together, and reach decisions more accurately — with built-in audit support for every step.

Binding is often slowed by manual document prep, unclear handoffs, and outdated templates. BriteCore simplifies the entire bind-to-issue process:

• Generate binders, quotes, and policy documents instantly using approved templates
• Automatically apply disclosures, conditions, forms, and endorsements based on rating and underwriting rules
• Track outstanding items and prevent issuance until required steps are completed
• Generate and email Certificates of Insurance (COIs) instantly — with options for agents to self-serve and policyholders to access COIs directly through the Portal
• Push documents to agents and insureds through preferred digital channels
  

The path from decision to issued policy becomes seamless — freeing underwriters to move on to the next submission.

Renewals are one of the most valuable touchpoints for improving risk portfolio and managing the book's exposure. BriteCore helps underwriters stay proactive:

• Automatically flag risks with losses, major exposure shifts, or inspection findings
• Apply renewal rules that identify which policies need full underwriting review
• Track retention metrics and underwriting performance at the portfolio level

Underwriters gain better visibility into renewal profitability, retention trends, and emerging risks across their book — before issues compound.

Underwriting decisions rely on smooth communication with agents, product teams, risk control, and sometimes claims. BriteCore’s collaboration tools keep everything connected:

• Real-time agent status updates on submissions and quotes
• Document exchange and chat directly inside the underwriting workflow
• Shared visibility for underwriting leaders to review decisions and volumes
• Tight integration with claims and billing for a full 360 customer view

Everyone involved in underwriting — not just the underwriter — stays aligned, reducing email chains, delays, and miscommunication.