Engineering Blog · Post #3

Rush Submission Handling: Expedited Clearance, Auto-Generated IDs, SLA Countdown, and Real-Time Notifications

When the broker says "I need this bound by end of day," InsightUW's Rush workflow delivers — with full audit trail and compliance intact.

The Problem

15% of submissions are time-sensitive. A board meeting, an M&A closing, a regulatory deadline, or simply a broker who's been shopping and needs an answer NOW.

Most underwriting workstations treat rush submissions the same as everything else — same queue, same SLA, same process. The broker calls, the UW scrambles, corners get cut, and nothing is documented.

The InsightUW Rush Workflow

graph TD subgraph Trigger["Rush Trigger"] A["🔥 UW clicks Rush button"] B["Modal: Reason, Requester, SLA"] end subgraph Auto["Automatic Actions (< 1 second)"] C["Generate Submission ID SUB-2026-CY-0037"] D["Escalate Priority → High"] E["Run Expedited Clearance Ofac + Duplicate (immediate)"] F["Auto-Assign if unassigned"] G["Start SLA Countdown (2h / 4h / 8h / 24h)"] end subgraph Notify["Notifications"] H["🔔 Assigned UW Critical alert"] I["🔔 Team Manager Urgent alert"] J["🔔 Junior UWs (if unassigned)"] end subgraph Queue["Work Queue"] K["🔥 Rush badge sorted to TOP urgency score +200"] end subgraph Audit["Audit Trail"] L["rush flagged event Who, Why, When, SLA, Auto-actions"] end A --> B B --> C B --> D B --> E B --> F B --> G C --> K D --> K E --> K F --> H G --> H H --> I H --> J B --> L

The Scenario

It's Monday 9:00 AM. Jennifer Walsh (Senior UW, Cyber) gets a call from the Gallagher broker:

"NovaPay Technologies has a board meeting TOMORROW at 9 AM. They need proof of $15M cyber coverage before the meeting. The CFO is presenting to the board that they have adequate cyber risk transfer. If we don't have a binder by end of day today, they're going to Chubb."

The Rush Flow

9:05 AM — Jennifer clicks the Rush button on NovaPay's submission:

The Rush modal appears:

Field	Value
Reason	"Board meeting tomorrow 9 AM. Need binder by EOD. Broker: competing with Chubb."
Requested By	"Robert Williams (Gallagher Specialty)"
Rush SLA	4 hours

Jennifer clicks "Confirm Rush".

9:05:01 AM — System executes 7 auto-actions in < 1 second:

sequenceDiagram participant UW as Jennifer Walsh participant System as InsightUW participant Ofac as Ofac Engine participant Queue as Work Queue participant Bell as Notification Bell participant Mgr as Patricia Morgan (VP) participant Audit as Audit Trail UW->>System: Click "Confirm Rush" System->>System: Generate SUB-2026-CY-0037 System->>System: Priority → High System->>Ofac: Expedited screening Ofac->>System: Clear (200ms) System->>Queue: Move to top (urgency +200) System->>Bell: 🔥 Rush notification → Jennifer System->>Bell: 🔥 Rush team alert → Patricia Morgan System->>Audit: Log: rush flagged, reason, SLA, auto-actions System->>UW: Rush confirmed. SUB-2026-CY-0037

What Jennifer Sees After Rush

Yellow Rush banner at the top of the submission detail:

Her work queue:

Type	Insured	LOB	SLA	Status
🔥 RUSH / NEW	NovaPay Technologies	Cyber	0.1h ← just started	BREACH in 3h 59m
NEW	BrightMart Retail	Cyber	2d	ON TRACK
NEW	TechVault Solutions	Cyber	3d	ON TRACK

NovaPay is at the very top — urgency score boosted by +200 points.

The Rest of the Day

Time	Action	SLA Remaining
9:10 AM	Jennifer runs "Analyze Submission" — AI checks complete in 3 seconds	3h 55m
9:15 AM	Reviews AI extraction: SOC2 ✓, MFA 95% ✓, 50M card transactions	3h 50m
10:00 AM	Rating complete: indicated premium $285K	3h 05m
10:15 AM	Quote created: QT-2026-CY-NP-001, premium $280K	2h 50m
10:20 AM	Quote letter PDF generated, sent to broker	2h 45m
11:00 AM	Broker confirms: "Client accepts at $280K"	2h 05m
11:05 AM	Binder generated, e-signature sent to broker	2h 00m
11:30 AM	E-signature completed by Robert Williams	1h 35m
11:31 AM	BOUND — binder issued, policy to be created in the policy admin system	1h 34m remaining ✅

Total: 2 hours 31 minutes. SLA target was 4 hours. Met with 1h 29m to spare.

The Audit Trail (17 events)

Every step documented. If there's ever a coverage dispute, the complete decision chain is preserved.

The Rush Modal

When a UW clicks the Rush button, they see a proper modal (not a JavaScript prompt):

Field	Type	Options
Reason	Textarea (required)	Free text
Requested By	Text (pre-filled with broker)	Editable
Rush SLA	Dropdown	2 hours, 4 hours, Same day (8h), 24 hours

Below the form, a checklist shows what will happen automatically:
- ✅ Generate submission number immediately
- ✅ Run expedited OFAC/sanctions clearance
- ✅ Escalate priority to HIGH
- ✅ Move to top of work queue
- ✅ Log rush in audit trail

Un-Rush

If the urgency is resolved (broker says "board meeting postponed"), the UW can click "Un-Rush" to:
- Remove rush flag
- Reset SLA to standard
- Keep the submission number (already generated)
- Log "rush removed" in audit trail

API for External Rush Requests

Brokers can also request rush through the portal API:

Key Metrics

Metric	Standard Process	Rush Process
Avg time to quote	3-5 days	1-3 hours
Clearance time	4-8 hours (queued)	< 1 second (immediate)
Assignment time	FIFO rotation (minutes)	Immediate (bypass queue)
Notification delay	Next inbox check	Real-time push (< 1 second)
Audit completeness	Varies	100% (every action logged)
SLA visibility	None	Countdown timer on queue

InsightUW's Rush workflow turns "I need this today" from a fire drill into a repeatable, auditable process. Request a demo.