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Submission Completeness Check

Every new submission folder gets verified against the carrier's intake checklist — policy, SOV, 5 years of loss runs, broker email, prior carrier docs. Missing items trigger a polite 'still need X, Y' reply for the underwriter to send.

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Insurance — Underwriting Ops
All commercial lines with structured broker intake (property, casualty, cyber, marine, energy)
SharePointplaybooksintake checklistbroker app

The problem

  • Underwriting assistant opens the new submission folder and discovers it's missing the prior 3 years of loss runs — half a day after the broker dropped it.
  • Every back-and-forth with the broker over missing docs adds 2-3 days to time-to-quote. Brokers expect that incompleteness to be flagged immediately, not on day 4.
  • Different LOBs need different intake — property wants SOV + COPE data; casualty wants experience mods + class codes; cyber wants security questionnaires. Carriers can't enforce one checklist across all of them.
  • When the checklist is in someone's head and not codified, junior assistants miss items that senior assistants catch — quality varies submission-to-submission.

How InsightWorker handles it

1
Codify the intake checklist per LOB in .insightworker/playbooks/<LOB>-intake.md — bullet points the agent loads as context. Already supported by the playbooks system; no new mechanism. playbooks · agent context
2
Trigger on new submission folder detected by the SharePoint poller (chains to the submission-triage app). sharepoint_list · scheduler
3
List the folder contents and match against the LOB's checklist — does each expected document type exist? Match by filename pattern AND content sniff (some brokers name files generically). sharepoint_list · sharepoint_read · agent reasoning
4
If complete: tag the folder ready and hand off to the triage app. agent reasoning
5
If incomplete: list what's missing in plain English. Draft a polite, broker-friendly reply: 'Got the policy and SOV — still need 2024 + 2023 loss runs and the prior carrier dec page to advance the quote.' create_docx · email-draft-reply skill
6
Save the draft reply to drafts/missing-docs-<insured>.md. Email the underwriter with the missing list and a link to the draft. Underwriter reviews and sends. send_email · permission-gated
7
When the broker eventually sends the missing docs, the next intake scan re-evaluates and clears the flag. scheduler · sharepoint_list

Sample prompt

"New folder Acme Manufacturing - 2026-04-12 just appeared — check it against the property intake checklist and draft a missing-docs reply if anything's incomplete."
Deliverables: .insightworker/playbooks/<LOB>-intake.md · completeness_log.md · drafts/missing-docs-<insured>.md · email to underwriter
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