Sutherland Policy Management Portal
Daniel Reyes
SOPs
Commercial Property Clearance
Updated Jan 2025
Policy Renewal Processing
Updated Dec 2024
Claims Intake & Documentation
Updated Nov 2024
Underwriter Risk Assessment
Updated Oct 2024
CAT Modeling Procedures
Updated Sep 2024
Broker Communication Protocol
Updated Aug 2024
Loss Run Analysis
Updated Jul 2024
Q
Standard Operating Procedure DocCommercial Property Submission Clearance
CONFIDENTIAL
Contents
TASK BACKGROUND...........................................................................................................................................................2
1. TASK DESCRIPTION........................................................................................................................................................................2
2. POSITION IN POLICY LIFECYCLE..........................................................................................................................................................2
3. WORKFLOW MAP........................................................................................................................................................................2
PROCEDURE........................................................................................................................................................................3
1. IDENTIFY TASK.............................................................................................................................................................................3
2. IDENTIFY SUBMISSION TYPE AND AGGREGATION ISSUES............................................................................................................................4
3. PROCESS NEW OR SOFT-CLEARED SUBMISSION......................................................................................................................................7
4. PROCESS RENEWAL SUBMISSION......................................................................................................................................................11
5. PROCESS BLOCKED/CLEAR-DECLINE SUBMISSION.................................................................................................................................14
6. PROCESS ADDITIONAL INFORMATION/DUPLICATE/UPDATED INFORMATION SUBMISSION....................................................................................16
7. FILE SUBMISSION DOCUMENTS INTO IMAGERIGHT................................................................................................................................16
8. SEND EMAIL TO UNDERWRITING TEAM..............................................................................................................................................17
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Task Background
1. Task Description
There are two (2) submission mailboxes for Commercial Property submissions.
The process is the same except for the underwriting team and checking 'Yes' when asked if this is Middle Market policy in GuideWire.
Submission emails are forwarded to shared mailboxes by underwriting team.
We need to check in both ImageRight and GuideWire to
1. see if any conflicts and aggregations issues,
2. have info (including Applicant Info/Underwriting Team/Broker Info/Policy Term etc.) entered into GuideWire and file documents under corresponding IR folders.
Underwriting team gets our verification email indicating submission has been processed.
2. Position in Policy Lifecycle
(Move the red arrow to show the position of this task; remove/duplicate the red arrow if needed.)
Property & Casualty:
Employee Benefits:
3. Workflow Map
(Workflow map of this task. Not mandatory.)
Page 2 of 17 | CONFIDENTIAL
[Additional sections continue through page 17]
Sections 3-8 detail: Processing submissions, Filing documents, Email communications
Page 17 of 17 | CONFIDENTIAL
Apprentice Knowledge Base
G
Guideline: Sutherland Property UnderwritingSUTHERLAND PROPERTY UNDERWRITING GUIDELINES
§1. Scope and Authority
These guidelines apply to all commercial property risks underwritten by Sutherland Insurance Company on a non-admitted basis...
§2. Risk Acceptance Criteria
All submissions must meet minimum requirements including current property valuations, loss history, and risk engineering reports...
§3. Rating & Pricing
Minimum windstorm deductible for Tier 1 coastal hotels shall be 5% of building value per occurrence...
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Actions: Apprentice Agent