Coverline: Underwriting Workpapers for Specialty MGAs

An AI platform that turns every specialty submission into an underwriting-ready workpaper: facts cited to the page, rules named, binds kept inside delegated authority, and every decision approved by an underwriter.

EVIDENCECitedEvery fact linked to its page

EXPLAINABLERulesEvery recommendation names the rule

COMPLIANTAuthorityBinds kept inside the carrier ceiling

GOVERNEDHumanAI drafts; underwriters decide

Project at a Glance

Industry

Insurance · Specialty MGAs

Engagement

AI Platform Development

Platform

Web Application · 10 Workflows · Admin Panel

AI Technology

Document Extraction, Rules Engine, Cited AI Assistant

Core Use Case

Submission Triage to Bind, Bordereaux and Claims Intake

Users

Underwriters, MGA Principals, Administrators

Challenge and solution

The Business Challenge

An MGA underwrites on a carrier’s paper. That means reading every document, staying inside appetite, binding only within delegated authority, and reporting it all back on schedule.

✕Submissions arrive as stacks of applications, loss runs, financials and schedules that are read by hand.
✕Cross-checking facts across documents is slow, and conflicts are easy to miss.
✕A missed appetite rule or a bind over the delegated ceiling puts the carrier relationship at risk.
✕Overrides and the reasons behind them are hard to evidence to the carrier.
✕Bordereaux must reconcile to the real transactions before they are filed.

The SoluLab Solution

SoluLab built Coverline to automate the reading and checking, with one rule: AI never makes anything up, and never acts on its own.

✓Extraction Core reads every document and cites each fact to its page, with a confidence score.
✓Decision Core runs appetite rules in a fixed order, and every outcome names its rule.
✓Conflicts are surfaced, never guessed: both sources are shown for the underwriter.
✓Quoting and binding use the carrier’s filed rate plan and check delegated authority before anything binds.
✓Appetite governance logs every override with who, when and why, and flags patterns.
✓Bordereaux are compiled from real transactions and blocked until they reconcile.
✓Coverline AI answers questions from the records, with rules and pages cited.

Solution Architecture

Inputs

Submission documents from brokers, and the rules and authority set by each carrier partner.

Applications

ACORD forms
Broker cover notes
Named insured, class, state

Loss Runs

Five-year history
Claims and incurred
Trend by year

Financials

Revenue and payroll
Reconciliation source

Schedules of Values

Locations and TIV
Blanket limits

Carrier Appetite & Rates

Versioned rule sets
Filed rate plans

Delegated Authority

Ceiling per class
Per carrier record

Extraction & Decision Layer

Every fact is cited; every decision names the rule behind it.

Document IntakeEvery page read

Extraction CoreFacts, confidence, citations

Cross-checksReconcile across documents

Decision CoreRules in a fixed order

Underwriter ReviewApprove, edit or override

Workpaper Records

Shared by every workflow.

Submissions & Documents

Pages kept as evidence

↓

Cited Facts

Value, confidence, page

↓

Rule Sets

Versioned and attributed

↓

Authority Records

Ceilings per carrier and class

Coverline Underwriting Workpaper Platform

Triage & Renewals

Proceed, request info, decline
Rules named
Renewal re-checks
Loss trends

Broker Comms

Drafted broker emails
Mid-term changes
Diff against bound
Sent by a person

Quote & Bind

Filed rate plans
Subjectivities
Authority check
Binder issued by UW

Governance

Override log
Patterns flagged
Authority audit
Who, when, why

Reporting & Claims

Bordereau checks
Portfolio commentary
FNOL routing
Settlement ceiling

AI, with proof attachedAI drafts and recommends. It never makes up a fact and never acts on its own.

Extraction

Facts with page citations
Confidence per field
Nothing guessed

Reconciliation

Conflicts surfaced
Both sources shown
Underwriter decides

Drafting

Broker emails from decisions
Cited to documents
Edited and sent by UW

Coverline AI

Answers from records
Rules and pages cited
Links to the workflow

Core Platform Services

Authentication

Roles & Teams

Workflow Engine

Audit Log

Alerts & Deadlines

API

Workspaces

Who works in Coverline.

Underwriters

Queues, workpapers, actions

MGA Principals

Portfolio and governance

Administrators

Rules, authority, rate plans, formats

External Parties

Who receives the work.

Retail BrokersQuotes, requests, binders

Carrier PartnersBordereaux, escalations

DeliveryShared engines across workflows.

HostingWeb application

Document StorePages and evidence

DatabaseWorkpapers and logs

Shared EnginesExtraction and decisions

MonitoringJobs and deadlines

ReleasesVersioned rules

ControlsDiscipline the carrier can see.

Citations RequiredNo uncited facts

Authority EnforcedBlocks without a record

Human ApprovalNothing sends or binds itself

Audit TrailEvery override explained

Why Cited AI and a Rules Engine: Our Technology Decisions

Underwriting on someone else’s paper demands proof. Each technology choice in Coverline exists to make AI useful without making it unaccountable.

Why AI with citations

Reading and cross-checking submissions is where underwriters lose the most time.

Extraction with proof: Every fact carries a page citation and a confidence score, so it can be checked in seconds.
Reconciliation: Facts are compared across documents, and conflicts are shown with both sources instead of being resolved silently.
Drafts, not decisions: Broker emails and portfolio commentary are drafted from the record and sent only by a person.

Why a rules engine

Appetite and authority are contractual, so they must be applied the same way every time.

Fixed order of checks: Confidence, exclusions, completeness, reconciliation, timing and loss trend, each with a rule code.
Authority as a hard stop: If no authority record exists for a carrier and class, the bind is blocked rather than assumed.
Overrides on record: Underwriters can always overrule a recommendation, with the reason and approver logged.

Key technology choices

DecisionWhy we made it

Shared Extraction CoreOne reading engine for every workflow, so every number traces back to the same cited source.

Versioned rule setsAppetite changes year to year; renewals are re-checked against the rules in force.

No AI narrative on declinesHard-rule declines stand on the rule itself, keeping the reasoning clear and auditable.

Human approval on every actionNothing sends, binds or reports itself, which keeps the MGA accountable to its carrier.

The result: underwriting that moves faster on the reading, and stays disciplined on the decisions.

What SoluLab Delivered

10Underwriting workflows, from triage to claims intake

2Shared engines: Extraction Core and Decision Core

CitedEvery extracted fact linked to its source page

BlockedBinds without an authority record never proceed

HumanEvery send, bind and filing approved by a person

Frequently Asked Questions

1. What is Coverline?

An AI platform that helps a Managing General Agent underwrite and bind business faster, while staying inside the carrier’s appetite and delegated authority.

2. What is an MGA?

A delegated underwriter that quotes, binds and sometimes handles claims on a carrier’s paper, within agreed appetite and premium limits, and reports back to the carrier.

3. Does the AI make decisions?

No. AI drafts and recommends with citations and named rules. An underwriter approves before anything is sent, bound or reported.

4. How are facts extracted?

The Extraction Core reads each document, pulls out key facts with a confidence score, and cites the exact page each fact came from.

5. What happens when documents disagree?

Coverline shows both sources and flags the conflict for the underwriter, rather than picking a value.

6. How are appetite decisions made?

The Decision Core runs rules in a fixed order: extraction confidence, exclusions, completeness, reconciliation, timing and loss trend. Each outcome names its rule.

7. How is delegated authority enforced?

Before a bind, Coverline checks the authority record for that carrier and class. If none exists, the bind is blocked.

8. Can underwriters override a recommendation?

Yes. Overrides require a reason, are logged with who and when, and patterns are surfaced for review.

9. How are bordereaux handled?

They are compiled from bind, endorsement and cancellation records, checked for format, completeness, reconciliation and currency, and filed only after approval.

10. What does Coverline AI do?

It answers questions from the workspace’s records, citing rules and pages, and links to the workflow so a person can act.

Coverline: Underwriting Workpapers for Specialty MGAs

Project at a Glance