Underwriting rules are used to add or remove line items or category options when a specified category option is selected while building a policy.

Core Concepts

Setup

Restricted to IWS staff and client engineers.

Rules

A single set of instructions with one or more trigger(s) and effect(s).

Triggers

The cause part of a rule:

  • If there is more than one trigger, all must be true to achieve the desired effect. That is, triggers for a rule use and logic. For example, if the policy form is Form 1 AND the protection class is Protected, add a discount
  • If a trigger has more than one value then either value can be true to achieve the desired effect. That is, separate values for a trigger use or logic. For example, if the policy form is Form 1 or Form 2 and the protection class is Protected, add a discount

Effects

The action that results from the trigger:

  • Since effects cannot have multiple values, effects use and rather than or logic
  • Options
    • Add or remove... adds or removes the line item, subline, or category
    • Mandatory adds the line item or subline where the user cannot remove it
    • Hard reverse removes the line item or subline when the triggers are no longer true
    • Add optional or remove optional... adds or removes the line item, subline or category with the ability of the user to later delete or re-add it
    • Set category option explicitly sets the category

Copy

A tool to copy a rule.

Do Not Cross Sections

Recall the Lines module has Primary Exposures and Policy Wide sections. As these sections are mutually exclusive, underwriting rules do not apply across sections. For example, a trigger in one section cannot have an effect in the other section.


Examples

Example 1: One Trigger, Multiple Effects with and Logic

Trigger

If the Dwelling Type is Primary Residence,

Effect

then add the HO3/4 Family subline and Roof Exclusion.

Example 2: Multiple Triggers with and Logic, One Effect

Trigger

If the Dwelling Type is Primary Residence and the Form/Number of Families is HO3/4 Family,

Effect

then add the HO3/4 Family subline.

Example 3: Multiple Triggers with or and and Logic, One Effect

Trigger

If the Dwelling Type is Primary Residence or Secondary Residence and the Form/Number of Families is HO3/4 Family,

Effect

then add the HO3/4 Family subline.

Example 4: One or Trigger, One Effect

Individual triggers use and logic. To apply or logic, create separate rules.

Trigger

If Farm Machinery of various kinds (cotton pickers, irrigation, combines, etc.) are leased,

Effect

then add the Farm Machinery Coverage: Leased Equipment line item.


BriteCore Setup

System Tags

  1. Navigate to Settings > System Wide > System Tags
  2. Select the Underwriting Rule tag
  3. Select the Effective Date
  4. Click the Tag New Items button
  5. Select Line Items
  6. Either search for a specific line item or click the Magnifying Glass to view all line items
  7. Check the box for each line item that will have underwriting rules applied

Underwriting Rule Setup

  1. Navigate to Lines > Effective Date > Underwriting > Rules
  2. Choose the policy type
  3. Click + to add a rule
  4. Build the rule using the logic above
  5. Verify the rule is functional by creating a policy

Set underwriting rules to appear in both BriteQuote and BriteCore, BriteQuote only, or BriteCore only by selecting an option from the Module Scope drop-down list (see image below). The module scope is set to both BriteQuote and BriteCore by default.


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