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Zurich North America

Insurance · Case study

Zurich: prepare underwriting files

Move commercial submissions from scattered documents to a cited narrative an underwriter can review.

Solution design based on public sources. Reported results are attributed to their original deployments.

By OneShot · Updated

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What the workflow produces

Underwriting review file
Submission checklist
Required documents, versions and missing items.
Risk narrative
Exposures and loss history with document citations.
Open questions
Broker requests and material contradictions.
Reviewer record
Underwriter edits, conditions and disposition.

The documented problem

The published Zurich North America case study describes middle-market underwriters reviewing extensive exposures, loss runs and supplemental forms before writing underwriting narratives. The repeated document work consumed time needed for risk judgment and broker relationships.

Zurich adopted AI-assisted drafting tailored to its risk appetite and preferred format. The OneShot workflow below combines document analysis, broker follow-up and review records in the agent’s tool basket to carry a submission through to the underwriter’s decision.

The OneShot solution

Underwriting submissions ready for human review

Keep each commercial submission complete, traceable and ready for an underwriter’s decision.

Work enters the queue
A new broker submission or a material document revision.
Decision owner
Assigned underwriter
  1. 01

    Check the submission

    Match incoming documents to the insurer’s required checklist. Identify missing loss runs, supplemental forms and inconsistent policy periods; request the precise missing items from the broker.

  2. 02

    Prepare the risk narrative

    The OneShot agent uses its underwriting-analysis tool to assess the current document set against the insurer’s appetite. Preserve page-level support for exposures, loss history and open questions.

  3. 03

    Close the information gaps

    Chase unanswered broker questions and reconcile revised documents with the draft narrative. Escalate material contradictions instead of smoothing them into an unsupported summary.

  4. 04

    Obtain the underwriter’s disposition

    Present the narrative and evidence to the assigned underwriter. Record accepted edits, remaining conditions and the disposition in the submission system.

What counts as complete

The underwriter has reviewed the current file and recorded a disposition, including any outstanding conditions.

Decisions and exceptions

  • Missing or contradictory loss information goes back to the broker and underwriter.
  • Appetite exceptions require the insurer’s designated reviewer.
  • The workflow does not bind coverage or automatically reject an applicant.

What to measure

  • Submission completeness
  • Broker response time
  • Underwriter rework
  • Time to reviewed disposition

Establish the baseline and review period before launch. Compare completed cases, unresolved work and reviewer corrections against the same scope.

The agent’s tool basket

OneShot gives its agents the tools to analyze records, communicate, research and act on authorized business data. The platform carries the workflow from the first action through to the recorded result.

  • Submission records

    Connect broker submissions, document versions, appetite rules and underwriter review.

  • Underwriting analysis

    Extract cited exposures and prepare a narrative against the insurer's appetite and format.

Workflow pricing

Scope the full workflow around your volume, business systems and required outcome.

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