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Tampa HVAC contractor, $5.8M revenue, GL + Auto + Umbrella, 5-year loss runs. The agent prefilters carriers, scores appetite, drafts a cover email, sends it, and tracks the reply. Auto-plays below.

Submission JSONPasted

{
  "submission_id": "SUB-DEMO-2087",
  "received_at": "2026-04-26",
  "retail_agent_email": "tariq@gulfcoast-insurance.example",
  "insured": {
    "legal_name": "Sunrise Mechanical Solutions Inc",
    "naics": "238220",
    "primary_state": "FL",
    "annual_revenue": "5800000",
    "employee_count": 31,
    "business_description": "Commercial HVAC installation and service across Tampa Bay metro. No residential. W-2 technicians only.",
    "years_in_business": 18,
    "mailing_address": "4220 W Cypress St, Tampa, FL 33607"
  },
  "coverages": [
    {"line": "general_liability", "limit_per_occurrence": "1000000", "limit_aggregate": "2000000", "expiring_premium": "26500"},
    {"line": "commercial_auto", "limit_per_occurrence": "1000000", "expiring_premium": "31200"},
    {"line": "umbrella", "limit_per_occurrence": "5000000", "expiring_premium": "8400"}
  ],
  "loss_history": [
    {"policy_year": 2022, "line": "general_liability", "claim_count": 1, "incurred": "8200"},
    {"policy_year": 2024, "line": "commercial_auto", "claim_count": 2, "incurred": "18900"}
  ]
}

Pre-filter (2 pass, 1 skipped)

Atlas Specialty E&S✓ in appetite
Keystone Mutual✓ in appetite
Redwood Underwriters✗ skipped

Appetite matches (2)

Atlas Specialty E&S
0.84quote-back: 4 days
NAICS 238220 (HVAC) sits in Atlas's artisan-contractor 238/236 prefix. Florida is in-appetite (TX/FL/GA/AZ/NV/TN/NC/SC/OK/AL). $5.8M revenue is comfortably inside the $500K-$15M band. GL + Auto + Umbrella all covered. 18 years in business with clean GL and modest auto frequency - low risk profile fits Atlas's appetite for stable artisan operations.
- ⚠️ 2024 auto incurred ($18,900) is ~61% of expiring premium - within Atlas's typical thresholds but worth flagging
- ⚠️ Open reserve $2,800 on 2024 auto - request status from retail agent
- ⚠️ MVR: 2 violations across 16 drivers (3-year) - modest, transparent disclosure
Keystone Mutual
0.71quote-back: 7 days
238 prefix matches Keystone's appetite (238/236/237/484/561). FL not in states_out (LA, MS). $5.8M revenue inside $1M-$50M band. GL + Auto are core lines for Keystone. The 75%-of-premium decline rule on auto is checked: 2024 incurred $18,900 / $31,200 expiring premium = 61%, within threshold. Umbrella isn't in Keystone's appetite - placing that line elsewhere.
- ⚠️ Umbrella outside Keystone appetite - auto-split, placing $5M umbrella with separate market
- ⚠️ Auto loss ratio approaches the 75%-of-premium decline rule - full loss runs attached for transparency

Drafted carrier email - Atlas Specialty

Plus a Keystone-specific draft with auto-split umbrella reasoning. Full output unlocks on signup.

Submission received. Loading carrier directory…

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