08/27/2026
📋 6 QUESTIONS UNDERWRITERS COMMONLY ASK
A little preparation can make the submission process smoother.
While every risk and carrier is different, agents can often expect underwriters to ask questions like these when evaluating an insurance submission:
1️⃣ What does the insured actually do?
Be prepared to clearly describe operations, services, products, customers, and any activities that may affect the risk.
2️⃣ Who owns and operates the business?
Ownership, management experience, years in business, and relevant background may help an underwriter better understand the account.
3️⃣ What does the loss history look like?
Have currently available loss information ready and be prepared to explain significant or unusual claims when applicable.
4️⃣ What are the important property or exposure details?
Depending on the risk, this could include construction, occupancy, protection, location, equipment, payroll, sales, vehicles, or other relevant exposures.
5️⃣ What coverage and limits are being requested?
Clearly identifying the coverage needed and desired limits helps everyone understand what you're trying to accomplish.
6️⃣ When does coverage need to become effective?
Provide the requested effective date—and whenever possible, give the underwriting team adequate time to review the submission.
💡 THE TAKEAWAY: A complete submission doesn't guarantee an approval or quote, but providing relevant information upfront can help underwriters evaluate the opportunity more efficiently.
At Chenango Brokers, we're here to work alongside independent agents and help navigate the submission process.
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Chenango Brokers LLC is a wholesale insurance brokerage serving licensed independent insurance agencies and brokers. Underwriting and submission requirements vary by carrier, product, risk, and jurisdiction. Product and market availability are subject to carrier appetite, underwriting guidelines, eligibility requirements, licensing, and underwriting approval. This post is for general informational purposes only and does not constitute an offer, quote, or guarantee of coverage.
