Run Commercial Lines Underwriting Review Checklist — Free

Submission Completeness and Account Details

Named insured, DBA, and mailing address verified critical (required)

Yes No N/A

Policy term, effective date, and requested limits confirmed critical (required)

Yes No N/A

Required application forms and supplemental questionnaires received critical (required)

Yes No N/A

Loss runs and current valuation or exposure data received critical (required)

Yes No N/A

Operations summary is sufficient to understand business activities

Operations, Exposures, and Hazard Profile

Primary operations match the stated class of business critical (required)

Yes No N/A

Hazardous processes, flammables, or high-risk materials identified

Number of locations reviewed

Operations are within stated risk appetite critical (required)

Yes No N/A

Subcontractor, tenant, or third-party exposure reviewed

Yes No N/A

Occupancy and site conditions present elevated loss potential

Loss History and Claims Analysis

Loss runs reviewed for the most recent 3 to 5 years critical (required)

Yes No N/A

Open claims, reserves, and large losses explained critical (required)

Yes No N/A

Loss frequency is acceptable for the class of business

Loss severity trend is acceptable for the class of business

Loss causes indicate controllable or recurring issues

Yes No N/A

Property, Fire-Life-Safety, and Loss Control

Property inspection completed or current inspection report reviewed critical (required)

Yes No N/A

Housekeeping, storage, and aisle conditions are acceptable

Fire protection systems are present, maintained, and appropriate for the occupancy critical (required)

Yes No N/A

Emergency egress routes are unobstructed and clearly marked critical (required)

Yes No N/A

Loss control recommendations have been implemented or have a documented plan

Yes No N/A

Financial Strength, Management, and Risk Appetite

Financial statements or credit indicators support account stability

Management commitment to safety and loss prevention is evident

Referral triggers identified for underwriting authority review

Underwriting Decision and Sign-Off

Underwriting disposition critical (required)

Note (optional)

Key underwriting rationale documented

Required conditions, exclusions, or follow-up items documented

Underwriter signature critical (required)

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Run: Commercial Lines Underwriting Review Checklist

Submission Completeness and Account Details

Operations, Exposures, and Hazard Profile

Loss History and Claims Analysis

Property, Fire-Life-Safety, and Loss Control

Financial Strength, Management, and Risk Appetite

Underwriting Decision and Sign-Off

Get your results