Sarah receives a call from Metro Construction Corp, a mid-size contractor looking for a Commercial General Liability policy. She needs to quickly enter the submission, run an appetite check, and generate a quote with proper coverages.
Step 3 — Quote List with Search, Filters, Context Menu
Quotes
247 total quotes
Quote #
Applicant
Line of Business
Status
Premium
Risk
Agent
Created
QT-2026-0248
Metro Construction Corp
General Liability
Draft
—
—
Sarah Palmer
2026-03-07
⋮
QT-2026-0247
Pacific Freight Holdings
Commercial Auto
Rated
$89,500
82
Mike Chen
2026-03-06
⋮
QT-2026-0246
Summit Tech Solutions
Cyber Liability
Submitted
$42,000
65
Sarah Palmer
2026-03-05
⋮
QT-2026-0245
Riverdale Medical Center
General Liability
Bound
$52,000
91
Jane Wilson
2026-03-04
⋮
QT-2026-0244
Coastal Resort Group
BOP
Referred
$46,500
38
Mike Chen
2026-03-03
⋮
Page 1 of 13
Features Used: 4-step creation wizard with client-side validation, real-time tRPC mutation, auto-assigned quote number (QT-2026-XXXX), status badges, search across name + quote number, context-sensitive dropdown menu (⋮), CSV export with custom columns, custom attributes.
Mike is at a networking event and a restaurant owner asks about Workers' Comp coverage. Mike pulls up the appetite checker on his tablet to instantly verify eligibility, then creates a quick indication with an estimated premium range — all within 60 seconds.
localhost:3001/appetite
Appetite Checker — Real-time Eligibility
Appetite Checker
Check Eligibility
✓ STANDARD
Eligible
Matched rule: WC Restaurant Standard
Restaurants in TX with class code 9082 are within standard appetite guidelines. No restrictions.
localhost:3001/indications
Indications List — Quick Quotes with Premium Estimates
Indications
Quick premium estimates for prospects
18
Active Indications
7
Converted to Quote
38.9%
Conversion Rate
Indication #
Applicant
LOB
State
Est. Premium
Confidence
Status
IND-2026-0019
Bella's Bistro
Workers Comp
TX
$8,200 – $12,400
85%
Active
IND-2026-0018
Downtown Salon LLC
BOP
CA
$3,100 – $5,800
72%
Converted
Features Used: Real-time appetite rule matching (preferred/standard/referred/declined), premium estimation with confidence scoring, 30-day auto-expiration, indication-to-quote conversion tracking, appetite rule management with effective/expiration dates.
A large manufacturing client needs a General Liability quote. Jane creates three coverage alternatives — Standard, Enhanced, and Premium — so the agent can present options. She also runs a coverage gap analysis to identify missing protections.
localhost:3001/quotes/abc-123/versions
Version Management — Side-by-Side Alternatives
Quote Versions — Apex Manufacturing LLC
Version 1 — Standard
v1
$38,500
3 coverages • Risk Score: 78
✓ General Liability — $1M/$2M
✓ Products/Completed Ops
✓ Personal & Advertising
Version 2 — Enhanced
★ Recommended
$52,200
5 coverages • Risk Score: 85
✓ General Liability — $2M/$4M
✓ Products/Completed Ops
✓ Personal & Advertising
✓ Hired & Non-Owned Auto
✓ Employee Benefits Liability
Version 3 — Premium
v3
$78,900
7 coverages • Risk Score: 92
✓ General Liability — $5M/$10M
✓ Products/Completed Ops
✓ Personal & Advertising
✓ Hired & Non-Owned Auto
✓ Employee Benefits Liability
✓ Umbrella — $5M
✓ Cyber Liability — $1M
localhost:3001/quotes/abc-123/gaps
Coverage Gap Analysis — AI-Powered Recommendations
Coverage Gap Analysis
Critical+$8,200/yr est. impact
Missing: Cyber Liability Coverage
Manufacturing companies with 50+ employees and annual revenue above $5M should carry at minimum $1M cyber liability. Industry adoption rate: 72%.
Recommended+$3,400/yr est. impact
Inadequate Limit: General Liability
Current limit of $1M/$2M is below the industry median of $2M/$4M for manufacturers in this revenue class.
Informational
Industry Standard: Employment Practices Liability
48% of similar manufacturers carry EPLI. Consider if the client has 100+ employees.
A high-value commercial property quote ($135K premium) from Metro Construction triggers a clearance alert — duplicate detection found a similar submission from last month. Jane reviews the clearance, checks subjectivities, scores the quote, and leaves comments for the agent before marking it as "referred" for management review.
localhost:3001/clearance
Clearance / Duplicate Detection
Clearance Queue
4
Flagged
12
Cleared
1
Blocked
Quote
Conflicts With
Match Type
Confidence
Status
QT-2026-0248 Metro Construction Corp
QT-2026-0201 Metro Construction Co.
fuzzy_name
87%
Flagged
localhost:3001/quotes/abc-123/requirements
Subjectivities / Binding Requirements Tracker
Binding Requirements
Pre-Bind (4)
Post-Bind (2)
Post-Issue (1)
✓ SatisfiedCertificate of Insurance
Document • Required
In ProgressLoss Runs (5 years)
Document • Required • Due: Mar 15
OpenSite Inspection Report
Inspection • Required • Due: Mar 20
WaivedFinancial Statements
Financial • Recommended
⚠ Binding Gate: 2 of 3 required pre-bind subjectivities outstanding. Quote cannot be bound until resolved.
localhost:3001/quotes/abc-123/comments
Collaboration — Threaded Comments
Comments & Notes
Internal (3)
External (1)
JW
Jane Wilsonunderwriter2 hours ago
Flagging this for senior review. Loss runs show 3 claims in the past 2 years — above our threshold for auto-bind. Recommending referral to management. @DavidKim please review.
DK
David Kimunderwriter30 min ago
Reviewed. Claims are all small property damage — no bodily injury. I'd approve at enhanced coverage level with a 10% rate load. Let the agent know.
SP
Sarah Palmeragent15 min ago
Thanks for the quick turnaround! Client is aware of the rate load and still wants to proceed. I'll update the quote.
Metro Construction accepts the Enhanced quote version ($52,200). Sarah selects quarterly payment and clicks "Bind." The system atomically creates a policy, billing account, billing cycles, the first invoice, and double-entry subledger entries — all in a single database transaction.
localhost:3001/quotes/abc-123/financing
Premium Financing Options
Payment Options — $52,200 Premium
Pay in Full
$52,200
1 payment • 0% interest
Save $1,566
Quarterly
Popular
$13,440/qtr
4 payments • 2.5% fee
Total: $53,760
IPFS 10-Month
$5,620/mo
25% down + 10 payments • 5.9% APR
Total: $56,200
localhost:3001/quotes/abc-123/bind
Bind Result — Cross-Module Orchestration
✓
Quote Successfully Bound!
All resources created in a single atomic transaction
Transactional Guarantee: The bind operation wraps Policy creation + Quote status update + Billing Account + Billing Cycles + Invoice generation + Subledger entries in a single PostgreSQL transaction. If any step fails, everything rolls back — no orphaned records.
Lisa reviews the renewal queue 60 days before policy expirations. She identifies 2 high retention-risk accounts where premiums increased by 15%+, gathers market comparison quotes from competitors, and prepares renewal proposals with competitive positioning data.
Sarah generates a branded proposal PDF with coverage summary, premium breakdown, and a personalized cover letter. She sends it via a trackable share link, sets up an automated follow-up sequence, and monitors when the client views/accepts the proposal.
Alex onboards a new fintech partner (LoanPro) that wants to offer insurance quotes within their lending platform. Alex configures allowed domains, products, branding, and API rate limits. LoanPro embeds the quoting widget — every session is tracked with referrer URL, completion status, and revenue attribution.
Data ImportPages: /quotes/[id]/import, /quotes/[id]/acordEndpoints: importCreate, bulkCreateItems, acordFormCreate, acordFormExtract
KM
Karen Mitchell
Account Manager — Large Commercial
The Scenario
Karen is quoting a commercial property policy for a 50-location retail chain. Instead of entering each location manually, she uploads a CSV Statement of Values (SOV) with all property details. The system validates each row, maps columns, and creates schedule items. She also uploads an inbound ACORD 140 Property form for data extraction.
Robert reviews the monthly producer leaderboard to identify top performers and those needing coaching. He examines the pipeline Kanban board to spot bottlenecks, checks conversion analytics by line of business, and uses AI scoring to prioritize hot leads.
localhost:3001/producers
Producer Leaderboard
Producer Performance — March 2026
Rank
Producer
Quotes
Bound
Close Ratio
Total Premium
Avg Premium
Avg Days to Bind
🥇
Sarah Palmer
42
18
42.9%
$824,000
$45,778
12.3
🥈
Mike Chen
38
14
36.8%
$672,000
$48,000
14.7
🥉
Jane Wilson
28
11
39.3%
$583,000
$53,000
9.8
4
Lisa Rodriguez
22
6
27.3%
$318,000
$53,000
18.2
localhost:3001/pipeline
Pipeline Kanban Board
Quote Pipeline
Draft (12)
Metro Construction
GL • Est. $52K
Oak Valley Farms
BOP • Est. $18K
Blue Ocean Tech
Cyber • Est. $35K
Submitted (8)
Summit Tech
Cyber • $42K
Harbor Marine
Property • $78K
Rated (15)
Pacific Freight
Auto • $89.5K
Greenfield Academy
WC • $24.7K
Apex Mfg
GL • $55K
Referred (3)
Coastal Resort
BOP • $46.5K
Bound (24)
Riverdale Medical
GL • $52K
Atlas Logistics
Auto • $67K
AI Scoring: Every active quote receives a composite score based on 5 dimensions — Bindability (coverage completeness, pricing competitiveness), Urgency (days until expiration, follow-up activity), Value (premium amount, LOB profitability), Fit (appetite match, class code risk), and Engagement (proposal views, comment activity). Hot/Warm/Cold categorization drives the priority queue.