Submission-ready data
ACORD forms, attachments, and spreadsheet schedules land normalized with missing data requests auto-issued to brokers.
Insurance ยท Underwriting & Distribution
Dynamic Policy Generation & Offer Management
Submission packets, risk data enrichment, and quote assembly stay synchronized so producers receive compliant offers without chasing analysts for status.
Broker submission to bind-ready packet in under four hours.
- Quote cycle time
- -57%
- Manual rework
- -70%
- Win rate delta
- +8 pts
Measured across commercial combined ratio programs after 6 weeks.
Normalized submissions remove duplicate analyst touches.
Faster, accurate offers improve producer conversion.
Compliant quote packets
Pricing scenarios, coverage tables, and regulatory clauses bundle into a single approval workspace.
Automatic bind handoff
Once signed, binders, invoices, and policy numbers sync to the core PAS with audit trails.
Workflow blueprint
How Layi moves tickets from intake to resolution
Every phase stitches data, policy, and people into a reliable loop. Supervisors only step in when the system has already done the prep work.
Phase 1
Submission Normalization & Risk Intake
Emails, portals, and wholesaler uploads are stitched into a single underwriting queue with ready-to-score data.
Broker portalEmail intakeRisk data APIs
Packet normalization
Extracts ACORD data, certificates, and COPE schedules, flags gaps, and triggers automated broker checklists.
Automations
Document AIField validation rules
Outputs
Structured submission recordOutstanding data tasks
Risk enrichment
Pulls property, catastrophe, and credit data from third-party vendors to complete the scoring profile.
Automations
Vendor API orchestrationAnomaly detection
Outputs
Risk data packetQuality score
Appetite routing
Routes qualified risks to the correct program or MGA team with appetite scoring and SLA context.
Automations
Routing rulesSLA tracker
Outputs
Assigned analystDue date + SLA notes
Phase 2
Offer Design & Pricing
Rating engines, actuarial guardrails, and coverage language are assembled automatically for the analyst to review.
Rating engineActuarial workbookClause library
Scenario modeling
Runs base, stretch, and protective pricing options with loss cost references and margin targets.
Automations
Pricing serviceHistorical loss lookup
Outputs
Scenario matrixMargin summary
Offer drafting
Drafts coverage summaries, exclusions, and endorsements aligned with the chosen scenario.
Automations
Template composerCompliance checker
Outputs
Offer PDF/DOC setRegulatory checklist
Reg compliance gate
Runs state filings, surplus line limits, and referral rules before seeking approval.
Automations
Regulation rules engine
Outputs
Exception listApproval packet
Phase 3
Approval & Delivery
Underwriters approve within a guided workspace and Layi packages the final materials for the producer.
Underwriter consoleeSignatureCRM notifications
Delegated approvals
Notifies the correct authority, captures rationale, and enforces capacity and pricing thresholds.
Automations
Approval routingAudit logging
Outputs
Approval logReferral notes
Bind packet + delivery
Generates binder, invoices, and policy schedule, then sends a ready-to-sign package to the broker.
Automations
Document assemblySecure delivery
Outputs
Binder packageDelivery receipt
Post-bind sync
Writes the bound policy to the PAS, initializes billing, and updates CRM + analytics.
Automations
PAS integrationBilling kickoff
Outputs
Policy recordBooking confirmation
Approval guardrails
Decisions still route through accountable owners. Layi merely prepares the packet and enforces the guardrails.
Capacity exception
Chief underwriterPrograms exceeding predefined capacity triggers capture CFO/Chief Underwriter approval inline.
Pricing override
Actuarial partnerDiscounts beyond delegated authority route to actuarial with the scenario workbook attached.
Regulatory referral
Compliance leadE&S/state filings requiring legal review attach the clause pack and block submission until cleared.
Operations telemetry
Executives receive a live model of the workflow so staffing, QA, and product feedback stay in lockstep.
Pipeline health
Live heat map plus Slack nudges for aging packets.Monitors where submissions stall and which brokers need follow-ups.
Loss ratio guardrails
Automated guard-band alerts dispatched to underwriting leaders.Flags quotes falling outside target ratio or violating treaty constraints.
Broker responsiveness
Daily digest + CRM tasks.Measures turnaround time on outstanding data requests and escalates dormant deals.