Contractor submissions, ready to quote.
Your clients email their quote documents. PaperworkRunner reads each one, checks it off your required-to-quote list, asks the client for what's missing in English or Spanish, and tells your account manager the moment the file is complete, before it reaches an underwriter.
In development, on the same reading engine that runs PaperworkRunner's certificate files today.
10 of 13 items in and read
- ACORD 125, 126 and 130
- Experience mod worksheet0.94
- Loss runs, 3 of 5 yearsRequested from the prior carriers
- Payroll by class codeAsked from the client
- Subs' certificates, 4 of 6
Waiting on client6 days
What your team sees
Sample data. Every company and person here is invented.
One row for each contractor you're quoting: where the file stands, what's still missing, and how long it has waited.
| Contractor | Status | Still missing |
|---|---|---|
| Techos Ejemplo LLC | Ready to quote | Nothing |
| Muestra Tile & Stone LLC | Waiting on client | Loss runs from 2 prior carriers; payroll by class code |
| Ejemplo Drywall Inc. | Needs a closer look | Payroll on the application doesn't match the payroll report |
| Demo Pavers Co. | Waiting on prior carrier | Loss runs, requested 5 days ago |
| Bayside Paint Pros LLC | Hold before quoting | Florida license isn't current and active in DBPR's file, checked as of today |
Muestra Tile & Stone LLC, checked against a sample required-to-quote list for workers' comp and general liability. Your list is the one that counts.
Applications
- ACORD 125, commercial application
- ACORD 126, general liability
- ACORD 130, workers' comp
Loss history
- Loss runs, last 5 years3 of 5 years in. Requested from Ejemplo Mutual and Muestra Casualty the day the file opened.
Workers' comp
- Payroll by class codeAsked from the client, with a reminder in 3 days.
- Experience mod worksheet0.94
- Owner's exemptionCovers the owner, who is left off the payroll
General liability
- Subcontractor costs$410,000 last year
- Subs' certificates4 of 6 on file. Without the other 2, their cost can come back as a charge at audit.
The business
- Declarations pagesCurrent general liability and workers' comp
- FEINSame on every document
- Florida licenseCurrent and active in DBPR's file, checked as of today
- SunbizActive; the same name as the application
What's missing goes to the client in one message, the day the file opens, in English with Spanish below until they choose. Reminders follow until it's in. Files they reply with go straight into the submission.
Hello Muestra Tile & Stone, To finish your insurance quote, we still need: - Payroll for the last 12 months, by type of work - Certificates of insurance from 2 of your subcontractors: Ejemplo Drywall Inc. and Demo Pavers Co. Reply to this email with the files attached, or upload them here: https://paperworkrunner.com/... Thank you. Your agency, via PaperworkRunner ------------------------------ Hola, Muestra Tile & Stone: Para terminar su cotización de seguro, nos falta: - La nómina de los últimos 12 meses, por tipo de trabajo - Los certificados de seguro de 2 de sus subcontratistas: Ejemplo Drywall Inc. y Demo Pavers Co. Responda a este correo con los archivos adjuntos, o súbalos aquí: https://paperworkrunner.com/... Gracias. Your agency, a través de PaperworkRunner
The account manager hears once, when the last item clears, with the file ready to send to markets.
Techos Ejemplo LLC is ready to quote: workers' comp and general liability. All 13 items on your list are in and read. The package: - The documents, in the order your carriers ask for them - ACORD 125, 126 and 130, filled in from the documents - One page: payroll by class code, losses by year, experience mod, subcontractor costs, and the license and Sunbiz checks, as of today For the underwriter: - Roofing is 15% of last year's revenue, per the application. - One sub's certificate expires in 20 days; their renewal has been requested. Open the file: https://paperworkrunner.com/app/...
Faster: the file is complete on the first send
Carriers set their own turnaround. What your team controls is how long it takes from the first email to a complete submission, and how often an underwriter sends it back asking for more.
- No attachments to open
- Every document is read, named and filed against the submission it belongs to, wherever in the thread it arrived.
- One complete list, day one
- The client gets everything that's missing in one message, in English or Spanish, with reminders until it's in. No third round of emails.
- Loss runs start first
- They're usually the slowest item, so the requests to prior carriers go out the day the file opens.
- Applications filled in
- ACORD applications come filled in from the documents, so your team reviews them instead of typing them.
Better: caught before the underwriter sees it
Each document is checked against the others and against Florida's records. What doesn't add up is flagged on the file, with the line it came from, while there's still time to fix it.
- Names that don't match. The license holder, the Sunbiz record and the named insured on the application.
- Numbers that don't match. Payroll on the application against the payroll report; the FEIN across documents.
- A license that isn't current. Checked against DBPR's file, and stop-work orders looked up, before anything is submitted.
- A crew with no workers' comp behind it. The only proof on file is the owner's exemption, and the application lists a crew.
- Subcontractor costs without certificates. What becomes a general liability audit charge later, found while the client can still collect them.
- Losses laid out by year. So the file goes to the markets that will write it.
What's running today, and what the pilot builds
Running today on paperworkrunner.com
- Reading certificates of insurance and workers' comp exemptions, with the line each finding came from
- Florida license checks against DBPR's weekly file
- Requests and reminders in English or Spanish, to the client and their agent
- One row per file with where it stands, and a Monday summary
- A dated record of every check and every request
Built in the pilot, for your agency
- Reading ACORD applications, loss runs, payroll reports, experience mod worksheets and declarations pages
- Your required-to-quote list, for each line you write
- The checks across documents above
- Applications filled in, and the ready-to-quote package and email
It starts from 20 to 30 of your past submissions, redacted, and your required-to-quote list.
Your submissions stay yours
Files stay in your Microsoft 365, and documents are read through your own Azure account, so your IT can review the terms. Nothing is sold, and nothing is shared with another agency.