Risk Assessment & Underwriting Support Services — Kervigo Private Limited
Risk profiling, exposure analysis, submission preparation, loss run analysis, and commercial underwriting data — Kervigo handles the back-end work that turns your producers into underwriting-ready closers.
Full-Spectrum Underwriting Support
Six service areas covering every underwriting data and submission task — from initial risk profiling through renewal negotiation, and every loss run and E&S placement in between.
Risk Profiling & Exposure Analysis
We compile comprehensive risk profiles for new and renewal accounts — gathering exposure data, identifying coverage gaps, and flagging elevated risk factors before your producer walks into the conversation.
- Exposure data collection and formatting
- Prior coverage history review
- Coverage gap identification
- Risk factor documentation
- Industry and class code verification
- Comparative exposure summaries
- AMS risk profile record updates
New Business Submission Preparation
Complete, accurate submissions that give underwriters everything they need to quote — reducing back-and-forth, speeding up turnaround, and improving your hit ratio on new business.
- ACORD application completion and review
- Supplemental application preparation
- Underwriting questionnaire completion
- Supporting document compilation
- Submission package formatting
- Carrier-specific requirement compliance
- Submission tracking and status follow-up
Loss Run Analysis & Reporting
We request, collect, and analyze loss runs — summarizing loss history, calculating loss ratios, and preparing the narrative your producers need to present accounts favorably to underwriters.
- Loss run requests and carrier follow-up
- Loss history compilation and formatting
- Loss ratio calculation and trending
- Large loss narrative preparation
- Frequency vs. severity analysis
- Comparative loss run summaries
- Loss run tracking and status updates
Renewal Underwriting Support
We prepare renewal underwriting packages — updated exposure data, loss summaries, and coverage recommendations — so your producers can negotiate renewals from a position of strength.
- Renewal exposure update compilation
- Year-over-year exposure comparison
- Renewal loss summary preparation
- Coverage recommendation documentation
- Carrier remarketing support for adverse accounts
- Renewal submission package preparation
- Declination and non-renewal documentation
Commercial Lines Underwriting Data
For complex commercial accounts — GL, BOP, workers' comp, professional liability — we gather and organize the detailed underwriting data carriers need, reducing the back-and-forth that slows down placements.
- Payroll, revenue, and sales data compilation
- Employee count and classification verification
- Vehicle schedule and driver list preparation
- Property schedule and valuation support
- Professional liability exposure documentation
- Workers' comp experience mod verification
- Excess and umbrella schedule preparation
Surplus Lines & E&S Market Support
For hard-to-place risks and non-standard accounts, we handle the additional documentation, stamping office requirements, and carrier-specific submission formats that E&S placements demand.
- Declination documentation for admitted markets
- Surplus lines application preparation
- Stamping office filing support
- E&S carrier submission formatting
- Non-admitted carrier portal management
- Surplus lines tax documentation support
- E&S policy checking and issuance support
Underwriting Quality Determines Your Hit Ratio
The agencies that win the most new business aren't always the ones with the best relationships — they're the ones who show up with the best submissions.
Underwriting Delays Cost You Business
Incomplete submissions, missing data, and slow loss run follow-up are the top reasons quotes get delayed or declined. Kervigo eliminates these bottlenecks so your producers can move faster.
Better Data Means Better Outcomes
Underwriters make decisions based on the quality of the information they receive. Clean, complete, well-organized submissions get better rates, broader coverage, and faster approvals.
Free Your Producers to Produce
Every hour a producer spends gathering exposure data or chasing loss runs is an hour not spent prospecting or closing. Kervigo handles the data work so your producers can focus on relationships.
Insurance-Trained Analysts, Not Generalists
Our team understands P&C underwriting requirements, carrier-specific submission formats, and the data points that move the needle with underwriters. You're not explaining insurance to us — we already know it.
From Account Brief to Submission-Ready Package
Every underwriting task follows a consistent four-step process — so your producers always know what to expect and when.
Account Brief Received
You submit the account details and required deliverables via email or AMS notes. We confirm scope and turnaround.
Data Gathering & Analysis
Our team collects exposure data, requests loss runs, and compiles underwriting information from your AMS, carrier portals, and client-provided documents.
Package Preparation
We prepare the submission package, loss summary, or risk profile — formatted to your standards and carrier-specific requirements.
Review & Delivery
Every package is reviewed for completeness and accuracy before delivery. AMS records updated, submissions tracked, status confirmed.
Lines of Business We Support
Our underwriting support team is trained across all major commercial and personal lines — if your agency writes it, we can support the submission.
From Producers Who've Seen the Difference
"Our hit ratio on commercial new business went up noticeably after Kervigo started handling our submissions. Underwriters actually comment on how complete our packages are."
Steven A.
Commercial Lines Producer — Texas
"I used to spend two hours per account gathering loss runs and building submission packages. Now I spend 20 minutes reviewing what Kervigo prepared. That's a game changer."
Laura P.
Agency Owner — Colorado
"We had a tough workers' comp account with a bad loss history. Kervigo prepared a loss narrative that reframed the story. We got it placed at a rate we didn't expect."
Brian N.
Commercial Lines Manager — Ohio
Risk Assessment & Underwriting FAQ
What lines of business do you support for underwriting submissions?
We support all major commercial lines — GL, BOP, commercial auto, workers' comp, professional liability, D&O, cyber, commercial property, inland marine, excess/umbrella, and surplus lines. We also support personal lines risk profiling for high-value accounts.
How do you handle loss run requests from carriers?
We submit loss run requests directly to carriers via portal or email, track outstanding requests, and follow up until received. Most loss runs are returned within 24–48 hours. For carriers with longer turnaround times, we escalate and keep you updated on status.
Can you prepare submissions for multiple carriers simultaneously?
Yes. For accounts being marketed to multiple carriers, we prepare carrier-specific submission packages simultaneously — adapting the format, supplemental applications, and supporting documents to each carrier's requirements.
Do you work with wholesale brokers and MGAs in addition to retail agencies?
Yes. We support retail agencies, wholesale brokers, and MGAs. For wholesale operations, we're familiar with the additional documentation layers and carrier-specific submission requirements that wholesale placements involve.
How do you handle complex accounts with multiple lines of coverage?
For complex accounts with multiple lines, we assign a dedicated processor who manages the full submission package — coordinating data across all lines, ensuring consistency, and tracking each carrier's response separately.
How quickly can we get started?
Most agencies are fully onboarded within 5–7 business days. That includes a discovery call, workflow documentation, a test batch of submissions, and sign-off before we go live. No disruption to your existing pipeline during onboarding.
Other Services We Offer
Let Kervigo Handle Underwriting Data — You Handle the Close
Most agencies are fully onboarded within 5–7 business days. Start with a free consultation — we'll map out exactly which underwriting tasks we'd take off your producers' plates.