SUBMISSION INTELLIGENCE · THE USE CASE
Complex commercial risks take weeks to reach a bindable quote. Most of that time is spent on submissions that were never going to bind.
WHERE UNDERWRITING CAPACITY LEAKS
Submission arrives. Extracted and stored. No governed layer applied.
Underwriter opens a document pile, not a prioritized queue.
Eligibility, appetite, class and geography assessed manually.
Every underwriter applies their own judgment. No consistency. No audit trail.
Weeks into review, the submission fails a threshold it would have failed on day one.
UW capacity consumed on a risk that was never writable.
No systematic Fast No. No governed triage. No way to protect capacity at scale.
Your best underwriters spending time on the wrong submissions.
WHAT ENCODE DOES
Document Intelligence extracts and validates on arrival.
ACORD forms, supplements, SOVs, loss runs. Structured automatically. No manual prep.
Insurance Ontology enriches with class, jurisdiction and coverage context.
Transactional data meets institutional knowledge. Before any underwriter is involved.
Codified UW judgment applied to the enriched submission immediately.
Decades of underwriting instinct encoded once. Applied consistently to every risk that follows.
Governed triage output. Fast No on the wrong risks. Decision-ready queue on the right ones.
Every conclusion traced to the rule that produced it.
SEE IT IN ACTION
Submission intelligence, from arrival to decision-ready.
Watch how Clear360 scores every submission at intake — eligibility, completeness, exposure, and loss — before the underwriter opens the file.
Commercial Submission Intake · 93-second intelligence walkthrough · enCODE by ElevateNow
THE OUTCOME
Your best underwriter's judgment. Applied to every submission. Before anyone opens a document.
enCODE Submission Intelligence