Talking points, risk flags, and underwriting guidelines — generated automatically from every quote, every policy, every renewal. No more hunting through PDFs, no more guessing about carrier appetite, no more blank-page client emails.
Client-ready phrases the broker can use verbatim. Coverage recaps, risk-aware advice, savings highlights, and relationship cues — ready the moment a quote comes back.
“Your new policy through Intact Insurance provides comprehensive tenant coverage with $30,000 in personal property protection.”
Coverage Recap“We recommend maintaining your sewer backup coverage at $30,000 given the property location in Surrey.”
Risk-Aware Advice“You currently qualify for Loss Free and Good Payer discounts, saving approximately $69 annually.”
Savings“Unlike your original policy, this quote includes Sewer Backup and Water Damage coverage by default — no extra endorsement needed.”
Coverage UpliftInsureQ reads the policy the moment it arrives and flags E&O exposures, coverage mismatches, and mandatory referrals — each with a severity tag and a plain-English explanation.
Personal Property is lower ($25k vs $30k), Additional Living Expenses are significantly lower ($2k vs $15k), Voluntary Medical Payments are lower ($2.5k vs $5k). However, Liability is doubled ($2M vs $1M).
The original policy includes 'Business property on premises.' Aviva's underwriting rules for this package strictly prohibit any home business activity, resulting in a validation error.
The quote returned a 'Backdated transaction – Referral' message. This is a mandatory referral and the quote cannot be bound without underwriter review.
Heating type was not provided and defaulted to 'Electric'. Please confirm — incorrect heating type can affect premium calculations and coverage eligibility.
Plumbing type was not provided and defaulted to 'Copper'. Please confirm — certain plumbing types like Poly-B are considered higher risk.
Carrier rules, appetite limits, and coverage constraints — surfaced inline on the quote with citations, so nobody digs through PDFs or appetite sheets.
Coverage limit is fixed at $2,000,000 as per Aviva underwriting rules.
The requested limit of $30,000 was not available and was rounded down to the closest available option of $25,000.
Minimum limit is $30,000 per underwriting rules.
Limit is based on Contents coverage. The deductible is 10% of the limit based on the property's earthquake zone (2).
Limit is based on the Contents coverage limit — coverage is automatically constrained by primary limit tier rules.
InsureQ Insights is built into every workflow in InsureQ Studio — ingestion, quoting, renewals, cross-sell. Brokers stop interpreting and start advising.
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