The operations team you haven't hired yet.
You've secured delegated (binding) authority and you're writing your first accounts with a team of three. Submissions arrive in every format, the reporting obligation starts immediately, and there is no operations function behind you. WriteRisk takes the terms you agreed with your carrier and runs them as a working underwriting system — reading each submission, checking it against your appetite, and filing a sourced record behind every decision.
Capacity: Highland Re · eff Q1 2026
inclusion list active
Underwriters: 3
every submission runs against these terms
Keystone Specialty
- Commercial Property · Delegated (binding) authority
- Capacity: Highland Re
- Authority: $5M TIV · Refer above $3M
- Programs live: 1 · Underwriters: 3
How it works
Seven steps from the agreement you signed to the report you owe.
Program configuration
Your capacity agreement becomes the rules the system runs on.
- Eligible classes, territory, TIV bands, construction restrictions and exclusions become appetite rules
- Refer-above thresholds and bind limits become authority limits
- Every rule runs against every submission that arrives
- You start from a commercial property template and adapt it with us, not from nothing
DUA · Keystone × Highland Re
Eligible classes: habitational, office, retail, hospitality
Frame construction excluded in Wind Zone 1 (coastal/high-hazard tiers)
Refer to Highland Re above $3M TIV. Maximum bind authority $5M.
Submission intake
Every submission becomes one structured risk record, whatever format it arrives in.
- SOVs, ACORDs, scanned loss runs and two-line emails all read the same way
- Each extracted value checked against every other source
- One structured risk in minutes, every value tied to its document and page
- The data work that would need an operations hire, finished before you open the file
Risk record created
Ridgeline Freight Co.
Commercial Property · $2.8M TIV
2 Buildings · FL, GA
Construction type
Application: Frame · Inspection: Frame/Masonry
Resolved: Frame/Masonry hybrid1
Inspection Report, p.3
Appetite screening
Every submission is measured against your appetite the moment it lands.
- Measured against what you will write and what your carrier allows
- In-appetite risks reach your queue with the reading already done
- Out-of-appetite risks are flagged with a decline drafted and waiting
- The broker has an answer the same day rather than the following week
In appetite → proceed
Ridgeline Freight Co.
TIV $2.8M · Retail · J. Okafor
Outside appetite → decline drafted
Sunward Holdings LLC
Frame · Wind Zone 1 · TIV $6.4M
Decision record
Every decision is filed with the evidence behind it.
- The recommended disposition, what drove it, and where each input came from
- The underwriting memo drafted the moment you decide
- Every account complete before your first capacity review
- Nothing reconstructed after the fact
Recommended disposition
Contributing factors
Construction Frame/Masonry hybrid Insp. p.3
Sprinklers Full Insp. p.5
Loss history 1 claim / 5 yrs, $42K Loss Run p.1
Roof age 14 years App. p.2
Underwriting Memo drafted
12 Apr 2026 · Quote — Standard Rate
Rule amendments
Your exceptions become proposed amendments to your own rules.
- Every exception recorded with what you decided and why
- When a pattern forms, WriteRisk proposes the rule change
- See what the amendment would have done to the last ninety days
- You approve or reject, and every approved change is dated and versioned
Rule amendment proposed
Observed: 5 of 7 exceptions in the last 60 days were Frame construction, Wind Zone 2, TIV under $3M. All approved. All bound.
Current: Frame construction excluded in Wind Zone 1 (coastal/high-hazard tiers)
Proposed: Frame permitted in Wind Zone 2 below $3M TIV
Evidence: 7 decisions · Confidence high
Applied to last 90 days
Bordereaux and reporting
Every carrier and regulatory report, built from data you have already captured.
- Premium and claims bordereaux, formatted to each carrier’s template
- Loss run summaries and compliance files from the same record
- Reporting up to a capacity provider, or preparing your own carrier submissions
- Same underlying data, no separate pull
Highland Re · Q1 2026
Premium bordereau
Highland Re template · 34 risks
Claims bordereau
Highland Re template · 3 claims
Loss run summary
Inception to date
Delegated authority file
Every decision, sourced
Authority and referrals
A new underwriter starts inside your rules and authority limits.
- Your rules run on their submissions from day one
- Their authority limit is set where you set it
- Anything above it routes to you with everything they reviewed
- Their overrides, their recommendation, and the specific question they need answered
J. Okafor · Underwriter
$2M TIV
Referral raised — TIV $4.1M exceeds authority
Meridian Manufacturing
$4.1M TIV · 3 buildings, GA
Reviewed: 14 assertions · 2 conflicts resolved
Overrode: Sprinkler coverage → Partial Insp. p.6
Recommends: Quote. Clean loss history, construction confirmed.
You · Program Head
$5M TIV
Run it on your own file
Bring your capacity agreement and one of your own submissions. We'll run it end to end.
Send the agreement you signed with your carrier and a live file set, messy scans included. We configure the program with you, then run your submission through it — the risk record, the appetite check, the decision, and the memo it drafts.
Setup is done with you, not handed to you.