Quoting new business

Quoting happens in the quote wizard: a stepper that walks a quote from insured details through exposures, rating, coverages, billing, and forms to a completed, bindable quote. This page follows the new-business flow end to end; endorsements and renewals reuse the same steps (see Servicing a policy).

Starting a quote

You can enter the wizard from several places:

Finding your way around the wizard

• The sidebar lists the flow’s steps in order. Click any step to jump straight to it — you’re not forced to move linearly.
• The header buttons:

• The floating workbench bar along the bottom shows live premium totals and hosts rating — see Rating & the underwriter workbench.

Saving

The wizard is draft-based: nothing exists on the server until the first Save Quote. That first save creates the quote. If you started from scratch, it creates the submission too. The exposures you entered, including the primary insured, are saved on both the quote and the submission, and the submission gets the same type as the quote. Nothing else is copied over. After that first save, changes you make to the quote’s exposures stay on the quote. Once saved, the quote appears on the Quotes list with status In Progress, and you can exit and resume any time. If a save fails validation, the messages appear verbatim in a notification so you can fix the offending fields and save again.

Step 1 — Quote Details

The first step collects the basics: the insured, effective dates, and whatever identifying fields your configuration places here. On an endorsement the same step appears as Endorsement Details.

Step 2 — Exposures

The Exposures step is where the risks being insured go — buildings, vehicles, locations, physicians, whatever your lines of business insure. You can add exposures two ways:

• Manually — fill in the exposure cards on the page: pick existing exposures from your book or create new ones inline.
• In bulk, from files — select Import Exposures on the exposures card.

Where your configuration enables it, the table also carries an OFAC status column — see OFAC screening.

Bulk import from a spreadsheet or schedule

Import Exposures opens a drop dialog: drop an exposure schedule — an SOV, a spreadsheet (.xlsx or CSV), or a PDF — and the AI reads it and creates one exposure per row/record. You can drop several batches without closing the dialog; each shows its upload progress and confirmation. Closing the dialog cancels nothing — imports keep running, and a status strip at the top of the step tracks each file:

• Importing exposures… while the parse runs.
• Adding N exposures to this quote… then Added N exposures once they’re attached to the quote automatically. The message also tells you when some exposures were already on the quote, when any couldn’t be attached automatically (they’re still created, in the Exposures list), and when some rows failed to import (“3 rows failed”).
• On failure, the error is shown, including how many exposures were created before the failure.

Manual entry stays available the whole time — the import never blocks the step. Every exposure import also appears on the company-wide Import page for later reference.

Step 3 — Rating Information

This step gathers the inputs your rating requires that don’t belong to a specific exposure — class codes, territory answers, modifiers. It only appears when your configuration puts cards on it; companies whose rating needs nothing extra skip straight from Exposures to Coverages.

Rating & the underwriter workbench

Rating isn’t a step — it’s the underwriter workbench, a floating bar that travels with you along the bottom of every quote-authoring step, so you can rate and re-rate from anywhere in the wizard. The collapsed bar shows Total Premium, Total Taxes, Total Fees, and Total Amount Due (the sum of those three amounts), plus:

• Generate Rating — runs your company’s rater against the quote’s current data and fills the totals. Rating failures appear inline on the bar with the error message. Rating fills the quote you have open; the figures are stored when the quote is saved. Regenerating replaces the rated figures with the new run’s output, so a re-rate that prices nothing leaves the totals empty rather than keeping the previous ones.
• View/Edit Details (or the expand arrow) — opens the full workbench.

When your company calculates the quote’s price from its rating and its fields, the workbench totals, the expanded workbench’s price breakdown, and any field that shows the price or calculates from it follow a change to any field that calculation reads, such as a final premium adjustment or a fee, as soon as you make it. You don’t need to rate again, and saving stores the price you see. The expanded workbench is where an underwriter works the numbers:

• Editable policy-level cards — the rating inputs your configuration puts on the workbench (credits, debits, overrides). Adjust them and select Generate Rating to see the effect on premium immediately.
• Embedded-exposure tables — your configuration controls which exposure rows and fields appear. The default workbench uses a compact, read-only table for existing quote exposures and their rated figures. Tenant configuration can expose selected per-exposure inputs inline through the table’s row configuration. The workbench does not use exposure tabs or a selector, and it is not a full exposure editor: add or remove exposures on the Exposures step.
• Rater — when your company has more than one rating workflow registered, pick which one to run. Generate Rating stays disabled until a rater is selected (the selection is remembered with the quote).
• Clear Rating — it sits beside Generate Rating in the expanded workbench’s header. It clears what the selected rater wrote, pricing included, so the totals empty and the quote’s billing recalculates; the quote’s invoices are left alone. Like a rating, it changes the quote you have open, and the result is stored when the quote is saved; Generate Rating brings a rating back. It’s available once a rater is selected and the quote has pricing, and hovering it says why otherwise. When a rating can’t be cleared safely, for example because the rater changed since the quote was rated, a message on the Rating tab says what to do.

The workbench appears on quote-authoring flows only, and only when rating is enabled in your company’s configuration.

When a rating is out of date

A rating you generate in the wizard records what it read: the quote inputs its rating workflow used, the quote’s term, the workflow’s rating setup, and the version of each rater that priced it. When one of those changes in a way that could move the price, the rating is out of date, and a chip beside Total Amount Due says why: When ratings are out of date for more than one reason, the chip shows the first in that order. Hover over it to see why. When inputs changed, it names each field and the step it’s on, up to five, such as Deductible Amount (Coverages), Annual Revenue (Exposures). A field on an exposure is named without saying which exposure, and adding or removing an exposure reads rows added or removed (Exposures). Ratings record what they read, never its values, so the chip can’t say what a field changed from or to. The expanded workbench shows the same warning at the top, naming each rating workflow, what changed and the same fields. Select Generate Rating to rate again; the chip clears once no rating is out of date. Nothing shows while every rating is current, or for a rating the app can’t check: rating results an API client wrote to the quote itself instead of rating and saving it through the API, or one from a rating workflow with a stage that can’t list what it reads. Nothing shows on a bound or cancelled quote either, since it can’t be rated again or bound. The wizard checks as you edit, and the app checks the saved quote again when you bind.

Step 4 — Coverages

The Coverages step defines what the policy will cover: coverage lines, limits, deductibles, and endorsement-style options, as configured for your company. Values that rating produced (premium per coverage, for example) show up here once you’ve generated a rating.

Step 5 — Billing

The Billing step shows the money side of the quote, driven by your configuration and generated rating. A Financials Setup chip follows the step’s heading. Choose No Pricing, Pricing Only, Invoicing Off or Full Billing for what the policy will record when you bind; the step shows the cards for that setup, and the chip’s information icon checks the quote’s data against it (see Billing & getting paid). Completing and binding the quote check that setup, so choose one before you finish. At Full Billing, when your role can edit the quote, select Generate invoices to build an invoice schedule from the invoice generation settings, compare it with the Invoiced column in Billing Details, and adjust the planned invoices — or build them by hand — before binding. Generating again discards the invoice changes made in this transaction, so it asks first. The plan is saved with the quote and applied when the policy transaction binds. If your role can’t edit the quote, the same step shows its billing and planned invoices without editing controls. See Billing & getting paid.

Step 6 — Quote Forms

The Forms step assembles the quote’s document set.

• The picker (left) lists your company’s quote form templates with a search box. Selecting a template generates the form with its smart tags filled from the quote’s current data and adds it to the list. A template already on the quote shows Added in the picker, with no add button, so you can’t add it twice.
• Recommended forms are added for you: the first time you reach the Forms step on a quote — by opening it, or by moving past it to Review and Confirm — your company’s form rules run against the quote’s answers and stage every matching quote form automatically. Policy forms come later, on the bind flow’s Policy Forms step. (A quote created through the API had its quote forms’ rules run when it was created, so they’re already in the list. A quote made by importing documents didn’t: its Forms step adds them as for any other quote.) Removing a recommended form is respected — it won’t creep back on the next save, or when you reopen the quote, unless you refresh the step.
• When the forms may be out of date: change an answer after the forms were added (an Additional Insured, say), or rate the quote, and the rules may call for a quote form that isn’t on the quote, or no longer call for one they added. The step then shows Your selected forms may be out of date., and so does Review and Confirm. View forms lists them; Refresh Forms replaces the step’s forms with the ones the rules recommend now; Dismiss turns the missing ones down and keeps the rest. See When the forms may be out of date.

Each form row offers: And the list header:

Step 7 — Review and complete

The last step, Review and Confirm, shows the quote for a final read-through.

• If required fields are still missing, the finish button is disabled and a View Missing Fields button lists exactly which fields need values, so you can jump back and fill them.
• The finishing control is a split button:
  • Complete Quote — saves any outstanding edits and marks the quote complete (status Quote Complete). Completing records the quote’s current form set in an immutable Quote packet on its Forms tab — the set exactly as it was when you completed it. The packet, not the working documents, is frozen: a later edit or smart-tag refresh of a working document never changes it. You land on the quote’s detail page, ready to send the packet to the broker or move to binding.
  • Bind Quote — completes the quote the same way, then goes straight into the bind flow instead of the detail page.
• If a rating on the quote is out of date, Complete Quote first asks Complete using the existing rating?, naming what changed and the premium completing will use. Go back to regenerate the rating, or Continue to complete with the rating the quote holds. Bind Quote asks the same before the bind flow opens, as Bind using the existing rating? (see Binding a quote). If the quote changes while the question is open, go back and review it first.

Quote statuses

A quote moves through these statuses (shown as a tag next to the quote number everywhere the quote appears):

After the wizard: the quote detail page

Exiting the wizard (or completing the quote) lands on the quote’s detail page: the quote number and status up top, the quote’s data below, and tabs for Exposures, Forms, and Notes (see the Quotes feature reference). The header adapts to the quote’s status:

• Continue Editing — on an In Progress quote, straight back into the wizard.
• Bind Quote — a standout button on a Quote Complete new-business quote (also available in the Actions menu). This is where binding picks up.
• Back to Submission / Go to Policy — jump to the quote’s submission, or (once bound) its policy.
• Actions — the status-appropriate set of Bind Quote, Copy Quote, Cancel Quote, and Delete Quote (Cancel appears on In Progress and completed quotes; Delete on anything not bound).

Next: bind it

When the insured accepts, bind the quote to issue the policy. Continue to Binding a quote.