Engineering Blog · Post #51

Per-Item Missing Info Tracking: How InsightUW Flags Every Document as Received, Missing, or Waived

One checklist per submission. Three status flags per item. Zero ambiguity about what's outstanding.

The Problem

A typical commercial submission requires 5-10 supporting documents — applications, loss runs, financials, supplementals. In most shops, tracking what's been received happens in an underwriter's head, a shared spreadsheet, or margin notes on a printed checklist. When a colleague picks up the file, they have no idea what's outstanding. When compliance asks "did you get the loss runs?", the answer is "I think so."

The result: duplicate requests to brokers, delayed quotes, and audit findings for incomplete files.

The InsightUW Approach

InsightUW creates a per-item tracking record for every required document on every submission. Each item carries an independent status flag — received, not received, or waived — with full attribution (who, when, how).

graph TD subgraph Init["Auto-Initialize"] SUB["New submission arrives"] REQ["Load LOB requirements from Document Requirement"] Create["Create per-item tracker all start as not received"] end subgraph Track["Per-Item Tracking"] NR["NOT Received Red X — needs follow-up"] RCV["Received Green check — from/via/date"] WAV["Waived Gray minus — by/reason/date"] end subgraph Progress["Completeness"] PCT["Progress bar received + waived / total e.g., 42% complete"] end SUB --> REQ --> Create Create --> NR NR -->|"UW clicks Received"| RCV NR -->|"UW clicks Waive"| WAV RCV -->|"UW clicks Undo"| NR RCV --> PCT WAV --> PCT

Auto-Initialization by LOB

When a submission detail loads, InsightUW auto-creates the checklist from Document Requirement for that LOB:

LOB	Items	Required	Example Items
D&O	6	5	Application, Questionnaire, Loss History, Financials, 10-K, Board Minutes
Cyber	6	5	Application, Security Supplement, Loss History, SOC2 Report, Incident Response Plan
GL	6	4	ACORD 125, Loss Runs, Prior Dec Page, Supplemental App
Default	6	4	Application, Loss Runs (5yr), Current Loss Run, Financials, Prior Declarations, Supplemental

Three Flags

Each item can be independently flagged:

Received — who provided it, when, via what channel (email/portal/mail/fax), linked document URL
Waived — who waived it, why, when. Counts toward completeness.
Not Received — default. Shows checkbox for email selection. Tracks follow-up count.

Completeness Scoring

completeness_pct = (received + waived) / total × 100

A submission with 2 received, 1 waived, and 3 missing shows: 50% complete with a half-full progress bar.

LOB-Specific Example

D&O for Solaris Energy Holdings:

Checklist auto-initializes with 6 items. After 3 days:

Item	Status	Detail
D&O Application	Received	From Lockton via email, Mar 16
D&O Questionnaire	Not Received	1 follow-up sent
5-Year Loss History	Not Received	0 follow-ups
Financial Statements	Received	From Lockton via portal, Mar 17
10-K / Annual Report	Waived	By Sarah Chen — "Privately held, no 10-K"
Board Minutes	Not Received	Optional, priority 3

Completeness: 50% (2 received + 1 waived = 3 of 6)

What This Means for Underwriters

No guessing — every item has a definitive status visible to anyone who opens the submission
LOB-aware — checklist matches what's actually needed for D&O vs Cyber vs GL
Waive with accountability — waived items count as complete but the reason is on record
Handoff-safe — if another UW picks up the file, the checklist tells them exactly what's outstanding
Audit-ready — every flag change logged with who, when, and why

What's Next

Next: Tick-Box Email Generation — Select Missing Items and Generate One Email

Want to see how InsightUW tracks every document on every submission? Request a demo.