ToolDox
Business

Insurance Submission Readiness Score

Score an SOV, loss run, bordereaux, or renewal pack before it reaches the market.

Readiness score
51/100
High rework risk
Issue rate
13.6%
34 issues across 250 rows
Review risk
5
follow-up themes detected

Likely reviewer questions

  • Missing required fields are likely to trigger immediate follow-up questions.
  • Duplicate rows can inflate premium, claims, TIV, or location counts.
  • Date issues can break binder periods, policy periods, loss dates, or renewal timelines.
  • Invalid values make totals harder to trust and can weaken underwriting confidence.
  • No written narrative means the reviewer has to infer the story from raw data.

Best next steps

  • Run the Schedule of Values Cleaner before sending property data.
  • Export a short issue log showing what changed and which assumptions remain.
  • Frame the final pack for the United Kingdom market context, not just a generic spreadsheet review.
Submission guideTemplates

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What is an insurance submission readiness score?

A submission readiness score is a practical way to test whether an insurance file is likely to survive the first review by a broker, underwriter, coverholder, carrier, or London Market team. It checks the issues that usually create rework: missing fields, duplicates, date problems, invalid values, weak templates, and missing narrative.

Why this can improve renewal outcomes

Cleaner submissions are easier to quote, compare, and defend. A poor schedule of values, loss run, bordereaux, or renewal pack does not just slow the process down; it can make the risk look less controlled than it really is.

Related workflows

Pair this score with the SOV Cleaner, Loss Run Analyzer, and Bordereaux Validator.