Key takeaways
- H2O Document AI reads broker submissions, loss runs and prior policies and returns the fields you define as validated JSON, with no templates and no labeling.
- Loss runs from different carriers, in different layouts, land in one normalized loss history per account.
- Risk-appetite matching checks each submission against your written underwriting guidelines and cites the guideline behind every flag.
- An agent assembles the file and drafts the clearance summary; your underwriter makes the call.
Your submission queue decides which risks you get to quote
Commercial submissions arrive by email in every format a broker can produce. Scanned applications, spreadsheet schedules, loss runs from several prior carriers and old policy documents all have to be read and rekeyed before an underwriter can look at the risk.
That work sits in front of every quote. While a submission waits in the queue, the broker is often shopping the same risk elsewhere, and the best risks rarely wait long. Clearance and appetite checks add more steps: someone has to confirm the account is not already in the book, then compare the risk with the guidelines, before an underwriter spends any time on it.