We do
What
Commercial Lines
- Commercial Property
- General Liability
- Garage
- Commercial Auto
- Commercial Umbrella
- Workers Compensation
- Cyber Liability
- Professional Liability
- Crime
- Liquor
- Inland Marine
Personal lines
- Homeowners
- Dwelling
- Personal Auto
- Personal Umbrella
- Flood
- Personal Watercraft
FRACTION OF OUR EXPERTISE
- Inspection Review
- Policy Issuance
- Renewal Quoting
- New Business Quoting
- Endorsement Quoting
- File Audit
- Underwriting Audit
- Endorsement Issuance
- Binder/Policy Issuance
- Policy Verification
- Premium Audit Endorsements
- Cancellation/Reinstatement
- New Business Prep
- Pre-Renewals
- File / Renewal Setup
- Claim Management / Setup
- MVR Order & Review
- Brokerage Quote/Binder/Policy/Endorsement Issuance
- Submissions / Risk Clearance
- Surplus Lines Filings
- Loss Runs
- Indexing
- Inspection Order
- Invoicing
- Certificates of Insurance
- Finance Agreements
- Bordereaux - Aggregate Reports
- Subjectivity Compliance
- OFAC
SOME OF THE
FEATURES
Inspection Review
- Detect and correct hazards before costly accidents occur
- Verify the accuracy of the information provided
- Verify the risk acceptability based on the findings
- Ensure that required protective safeguards are present and fully functional
- Recommend the premium adjustments when needed
- Provide and communicate recommendations and ensure adequate implementation
File Audit
- Compliance with carrier or internal underwriting rules and guidelines
- Compliance with applicable statutes, rules, and regulations
- Verify the risk acceptability
- Detect adverse conditions
- Ensure that documentation is managed adequately
- Verify the accuracy of the information provided
- Provide corrective action items and recommendations
New Business Quoting
- Determine the risk acceptability based on the underwriting rules and guidelines
- Accurately classify the risk and apply adequate pricing
- Provide comparative ratings to ensure the best pricing
- Offer alternative coverage when necessary
- Ensure that authority is not exceeded
- Obtain missing information
- Ensure that documentation is managed adequately
- Ensure that adequate terms and conditions are applied
- Apply any additional changes requested
- Guard against adverse selection
Renewal Quoting
- Determine whether appropriate underwriting rules and guidelines have been applied to the insured risk
- Apply the premium adjustments if required
- Guard against adverse selection
- Obtain required or missing information
- Present comparative ratings when necessary to retain an account
- Ensure that authority is not exceeded
- Ensure that adequate terms and conditions are applied
- Offer alternative coverage when necessary
- Ensure that documentation is managed adequately
Binder/Policy Issuance
- Ensure that the policy aligns with the intended coverage
- Ensure that all forms are included and completed according to the guidelines
- Verify that all terms and conditions are fulfilled
- Fully investigate and report any conflicting information
- Obtain the missing information
Endorsement Issuance
- Ensure that the endorsement itself accurately captures the requested change
- Handle the complete policy change process - from the change request to the issuance
- Verify that all forms are included and completed according to the guidelines
- Ensure that any inaccuracies are reviewed and resolved
- Ensure that adequate pricing is always applied
- Execute all endorsements without any delay
Own your time
Dominate your deadlines
Experience complete control
Backlogs are frustrating, and while there are no quick solutions, shortcuts are never the answer.
At M3 Underwriting, we take pride in delivering quality without compromise and there is no mystery behind our process – it’s all about professionals with years of experience, dedication, and hard work.
Whether you’re dealing with an existing backlog or a seasonal surge in workload, let us create a plan for you to retake control without further delay.
JOIN THE
JOURNEY
JOIN THE
JOURNEY
DIVERSIFY OR SWITCH OUTSOURCING PARTNERS WITHOUT THE BURDEN
We make the transfer smooth, simple, and cost-free.
Services fully onboarded with no charges or fees until the end of the contract with your current outsourcing provider.
Workflow remains efficient and uninterrupted during transition.