Insurance intake

What good intake collects

For a commercial account, intake may include the legal name, FEIN, operations, locations, exposure figures, schedules, prior coverage, and loss history. For personal lines, it may include drivers, vehicles, property details, and current coverage. Confirm the required information for the intended line and market, then make remaining questions visible.

Why it becomes a bottleneck

The information rarely arrives in one clean package. It comes in as a phone call, an email thread, a dec page PDF, and an expiring policy. Someone re-keys it into the AMS, then again into a rater or a carrier portal. Every re-key is a chance to mistype a VIN or drop a prior claim, and every gap becomes another email to the client.

Begin with useful documents the client already has, such as dec pages, schedules, and loss runs. Reuse the facts they support, then ask about changes and missing exposures. Existing documents describe an earlier point in time; they do not replace current client answers or the carrier's required questions.

Ask fewer repeated questions

A dec page confirms the current named insured and policy period. Reuse those details, then ask whether the operations, locations, or exposures have changed. A focused list of missing answers is easier for the client to act on than a blank application.