The first step in the process of obtaining a good proposal from your company underwriter is to present him or her with the information needed to make an informed decision. Your submission is your proposal to the underwriter. You should spend as much time putting this together as you do putting together the final proposal to your client. Let's be clear about the reasons for this. Over the last several years most insurance companies have reduced their staff levels dramatically.
Underwriters are now responsible for more agents and more business than ever before.
It is only natural for them to use whatever means they can to weed out the business they don't have time to wrestle with. I am not going to spend time talking about all the elements that should be in a quality submission. Any submission lacking this basic information isn't going to get very far. Description of operations General information about the operation of the business is commonly not included with submissions. This is a mistake.