“ Tick-box underwriting ”
reduces time, but can miss vital risk data
consider saying “yes”, or thinking about special terms.
The formulaic approach to underwriting can reduce time, but it can leave brokers and clients frustrated when underwriters take a ‘tick box’ approach. Underwriting is as much an art as a science, and whilst certain risks may fit the ‘tick box’, those that fall outside may be
perfectly good risks but are discarded due to a lack of understanding, or willingness to think. Meanwhile, some risks that do pass the ‘tick box’ test might in reality be very scary!
I honestly believe that brokers do have a future in specialty lines, even at the modest premium end. But this future will only be certain if
technology is used as a tool of trade, and not the final solution for all things. Brokers undermine their added value by referring clients to online underwriting systems unless they aid the process through the provision of good advice. Likewise this disconnect, between speed and the certainty that insurance should provide, creates opportunity.
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