Carrier appetite search that shows the guide page behind every market
Out-of-appetite submissions cut, every market tied to its guide page.
See one case, screen by screen ↓A way to find which carriers, MGAs and wholesale markets will write a given risk before you submit it. Carrier Appetite Search reads your markets’ appetite guides, bulletins, portal pages and underwriter emails into rules, tests a risk described in plain words against all of them, and sorts every market into Writes it, Maybe or Will not — each with the passage and page that put it there.
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A typical agency is appointed with eight to fifteen carriers, MGAs and wholesalers, and each one says what it will write in its own way: a PDF appetite guide re-issued every quarter, a portal page, a bulletin, a line in an underwriter’s email. When a commercial account is non-renewed or comes up for marketing, the account manager has to work out which of those markets will actually quote it.
Today that is memory, a few portals and an afternoon of PDFs. Account managers fall back on the markets they know, send submissions that come straight back as out of appetite, and lose days waiting for declines — while the renewal date gets closer and every unneeded decline costs something with that underwriter. And when the account has to go to surplus lines, the admitted declines have to be in the file.
Estimated split for one commercial account, in hours, by hand and with the solution.
Six agents read the risk and 31 appetite sources and sort every market; the account manager chooses and sends.
Pemberton Mutual has non-renewed Hollis Creek Cabinetry, a cabinet maker in Hickory, North Carolina — it is leaving woodworking in the state. The package expires 1 December, 50 days out. Here is what happens next, screen by screen, in the working solution.
Renee’s list shows every commercial account expiring in the next 120 days that needs marketing, and why. Hollis Creek Cabinetry is at the top: package — property and general liability — expiring 1 Dec 2026, $48,600 expiring premium, non-renewed by Pemberton Mutual on 2 Oct.
“Cabinet maker, Hickory NC. $11.2M sales, 46 staff, spray booth and dust collection. One $64K dust-collector fire in 2024. Property and GL from Dec 1. 44,000 sq ft joisted masonry, built 1986.” The risk reader turns it into facts — NAICS 337110, protection class 3, TIV $7.6M — each chip marked with where it came from: her text, or the ACORD 140, loss runs and loss letter on file.
“14 markets checked against 212 appetite rules from 31 sources · 1.8 s” — and “1 fact not stated: sprinklers”.
Two markets write it: Ridgeback Underwriters’ wood-products program and, through Ferrow & Kade Wholesale, Copperline Specialty. Three need a referral — Halvorsen Mutual wants the loss letter and corrective action for a fire in the past 36 months. Nine will not. Every market on the board carries its guide passage with the page, the agency’s own record with that market, and how it is reached. Open the page tab and the guide opens on the highlighted passage.
Granite Shore Mutual — “Knocked out by Sprinklers: not stated” · 1 fact away · Q4 2026 guide, p. 7.
Open Quillon Mutual and every rule is tested against Hollis Creek: class met, state met, construction failed — “Frame and joisted masonry buildings over 20,000 sq ft are not accepted for manufacturing” (Q3 2026 guide, p. 6). The page shows the agency’s 2026 history with Quillon and the underwriter, and an account manager can ask for an override from here.
Unstated facts are never read in the risk’s favour — sprinklers not stated is read as none.
The plant is sprinklered, so Renee adds it to the description. The risk reader re-reads it and three markets slide from Will not to Writes it, each flagged with what moved it: Granite Shore Mutual, Wrenfield Fire & Marine and Ashgrove Casualty. The board now reads 5 · 3 · 6.
“3 markets moved to Writes it — Granite Shore Mutual, Ashgrove Casualty, Wrenfield Fire & Marine”
Granite Shore now meets all five of its rules — class, state, sprinklers, losses and total insured value, where the Q4 bulletin of 1 Oct raised the woodworking limit from $10M to $15M per location. Wrenfield is in because Marcus Doyle’s email of 18 Sep — back in woodworking in the Carolinas from 1 October, sprinklered only — supersedes its 2025 guide.
Renee adds Granite Shore, Ridgeback, Ashgrove and Wrenfield to the submission list and keeps Copperline Specialty as the surplus-lines back-up, which goes out only after the admitted refusals are on file. The list keeps count: 4 markets, 1 back-up, 6 refusals kept with their passages as her diligent search.
Saved to the account file: for each market in order, the passage it fits and what to send — ACORD 125, 126 and 140, five-year loss runs, Granite Shore’s woodworking supplement GS-WW-3 and photos of the dust collection, Ridgeback’s program application and the spark detection service record. Terms are asked for by 13 Nov.
“Description to plan in 48 seconds.”
The note to Lena Marsh at Granite Shore quotes the passage that makes Hollis Creek a target class, sets out the risk — 100% sprinklered, ducted dust collection with spark detection installed after the March 2024 fire — and lists what is enclosed. Renee reviews it and sends it herself.
“You review and send — the agents never send.”
The plan lists every market that will not write the risk, the fact that knocked it out, the passage and its source — 5 admitted refusals, where the agency’s setting asks for 3. North Carolina wants a diligent search among admitted insurers before a surplus-lines placement (N.C. Gen. Stat. § 58-21-15). Dale signs before anything goes to Copperline through Graham Pell at Ferrow & Kade.
The same non-renewal, seen by the five people who carry it — what their week looked like, and what it looks like now.
Six agents read the risk and 31 appetite sources and sort every market; the account manager chooses and sends.
Turns a plain-words description, the ACORD 125 and 140 and the loss runs into risk facts — class, state, size, building, protection, operations, losses, lines — each with where it came from.
Reads each market’s appetite guide, bulletins and portal pages into rules — class stance, limits, protection requirements — each with its page and date.
Reads underwriter emails and market notes into rules and marks which older passage they supersede.
Tests every rule against the risk facts, sorts each market into Writes it, Maybe or Will not, and names the deciding fact. Re-runs whenever a fact changes.
Orders the markets by fit and by the agency’s own quotes and declines over 24 months.
Drafts the market plan, what each market needs, the diligent-search record and the cover note to each underwriter.
Chooses and sends; principal signs surplus lines. The agents propose; a named person decides.
Ask why a market is on the board, what changed in appetite, or have it draft the note. Every answer cites the guide, bulletin or email it rests on.
Why is Quillon Mutual a Will not?
Construction. Quillon’s manufacturing guide says “frame and joisted masonry buildings over 20,000 sq ft are not accepted for manufacturing”, and Hollis Creek is 44,000 sq ft of joisted masonry. Its bulletin of 28 Aug restates it. Sprinklers do not change that — only a masonry non-combustible or better building would.
Do we have enough admitted refusals to go to Copperline?
Yes. North Carolina allows surplus lines only after a diligent search among admitted insurers actually writing the class. The plan holds 5 admitted refusals, each with its passage — for example Northwind prohibits cabinet manufacturing and Elmstead declines any fire loss in five years. Your setting asks for 3. Dale Wynne signs the record before anything goes to Graham Pell at Ferrow & Kade.
What changed in woodworking appetite this quarter?
Three changes matter for Hollis Creek. Wrenfield is back in woodworking in the Carolinas from 1 October — sprinklered only, TIV to $10M — per Marcus Doyle’s email of 18 Sep, which supersedes the exclusion in its 2025 guide. Granite Shore raised its woodworking TIV limit from $10M to $15M in the Q4 guide. Ridgeback raised its program sales limit to $25M.
Draft the cover note to Granite Shore
Drafted for Lena Marsh. It quotes the passage that makes Hollis Creek a target class — “a target class in all five states when the building is 100% sprinklered” — and attaches the woodworking supplement and the dust-collection photos she asked for on 2 Oct. Review it and send it yourself.
13 screens from the working solution, on its sample data. Pick one to see it large.
How the search reads a risk, which markets it may suggest, and who may override a refusal — all settings.
| Setting | Default | Choose from |
|---|---|---|
| Read unstated facts the cautious way | On | On · Off |
| Use the account file (ACORD 125/140, loss runs, loss letters) | On | On · Off |
| Ask before re-sorting | Off — re-sorts as soon as a fact changes | On · Off |
| Flag a guide as stale after | 120 days | 30 to 365 days, in steps of 30 |
| History window for hit ratio | 24 months | 6 to 60 months, in steps of 6 |
| Admitted refusals before surplus lines | 3 markets | 1 to 5 markets |
| Most markets per submission | 5 markets | 2 to 8 markets |
| Who may override a Will not | Placement specialist | Placement specialist · Agency principal · Any account manager |
Every figure is labelled: a target the solution is built to, an estimate, a typical published result, or a proven one.
“demo” = seen in the working solution, on its sample agency data · “target” = the design goal, measured in the live solution · “estimated” = our estimate · “typical” = published figures (IVANS research via QuoteSweep — about 60% of commercial submissions go unquoted; First Connect 2025 State of the Industry — 71% of agents struggle to understand carrier appetite). The diligent-search rule cited is N.C. Gen. Stat. § 58-21-15. People, agencies, carriers and accounts named on this page are fictional — characters and sample data in the working solution.
A way to find which carriers, MGAs and wholesale markets will write a given risk before you submit it. Carrier Appetite Search reads your markets’ appetite guides, bulletins, portal pages and underwriter emails into rules, tests a risk described in plain words against all of them, and sorts every market into Writes it, Maybe or Will not — each with the passage and page that put it there.
The appetite guide reader keeps every rule with its page and effective date, and the underwriter note reader reads the shared appetite inbox. When an email or bulletin is newer than the guide, it replaces the passage it contradicts and the old passage stays visible. Guides older than 120 days are flagged so the marketing coordinator can ask for the current one.
It is shown as “not stated” and read the cautious way — sprinklers not stated is read as none — so the board errs toward Will not. Every Will not names the fact that knocked the market out, and when you correct it the board re-sorts in front of you.
No. The agents suggest markets and draft the plan and cover notes; the account manager chooses the markets and sends. No agent contacts an underwriter, and a Will not can be overridden only by the placement specialist, with a reason.
Yes. The saved plan keeps every admitted refusal with its passage and source as the diligent-search record. Surplus-lines markets stay back-ups until the number of admitted refusals in your settings is reached and the agency principal signs.
Yes. The hit-ratio ranker orders the markets by fit and by the agency’s own quotes and declines over a window you set — 24 months by default. It never hides a market because of its rank.
Carrier appetite guides and bulletins, underwriter emails and market notes, carrier portal pages, the account file (ACORD 125 and 140, loss runs and loss letters), your past quotes and declines by carrier, and your agency appointment list.
The Agentic Solution Engine builds and deploys it from your requirements and documents — your appetite guides, underwriter emails, appointment list and past submissions — and it goes live once every quality gate has passed. We will walk you through it on your own accounts first.
Client data keyed once, not once per carrier; submissions out same day.
1-min demoInsurance Quote ComparisonA side-by-side in minutes, every difference traced to the quote page.
1-min demoInsurance Policy CheckingEvery policy checked on arrival, each difference cited before it is a claim.
1-min demoWe’ll run Carrier Appetite Search on your own appetite guides, underwriter emails and a few accounts you are marketing now.