InsuranceSales
Underwriting submission. Complete before it's sent.
Guides the collection of underwriting submission data for a new policy — checking completeness against the carrier's specific requirements before it's submitted. Built for agencies and MGAs submitting dozens of applications a week across multiple carriers.
11 cited fields per submission. Built on Sphere AI Foundry.
underwriting_submission — app #US-81205LIVE
00:00Ingest → application, Meridian Logistics, commercial autoread
00:02Requirement check → carrier requires 3-year loss runpassed
00:03Completeness check → vehicle schedule missing VIN for unit 4flagged
00:04Class check → classification code matches operationspassed
00:05Disposition → Route to producer, 1 item missingrouted
review time 5sfields cited 11/11producer sign-off required
Organizations around the world trust us
Built on Sphere AI Foundry·Checked against carrier requirements·21 years, 300+ clients
Manual submission review doesn't scale with carrier variety
A single underwriting submission means a producer checking the application against a specific carrier's requirements — which forms, which loss runs, which supplemental questions — often different from the carrier they submitted to yesterday. At low volume that's manageable. Across dozens of submissions a week spread across multiple carriers, it's the reason submissions bounce back with a missing document and lose their place in the underwriting queue.
83%
faster completeness check vs. manual submission review
11
fields extracted & cited per submission
100%
of missing-item flags traceable to a specific carrier requirement
Application in, cited disposition out
Four steps, every one logged and citable back to the carrier's own guidelines.
01
Ingest
Reads the application directly from your systems
Application form, loss runs, and supplemental questionnaires — read from your agency management system or document repository. No separate upload step.
Source document
US-81205 — Meridian Logistics, commercial auto
02
Match against requirements
Every requirement checked against the carrier's guidelines
Required forms, loss-run history, and supplemental data — each checked against the specific carrier's current submission requirements, not a generic checklist.
Example query
"Does this carrier require a 3-year or 5-year loss run for this class?"
03
Cite every gap
No missing item without a citation
Each gap links back to the exact carrier requirement it violates — the citation travels with the finding, not as a separate lookup.
Cited finding
Vehicle schedule is missing a VIN for unit 4 — required by this carrier's submission guidelines.
cited to Carrier Submission Guidelines, Vehicle Schedule §204
Classify & route
One disposition, one consolidated gap list
The agent returns Ready to Submit, Ready-with-gaps, or Not Ready, with a consolidated missing-item list routed to the producer before the submission goes out.
Disposition
Ready to submitReady-with-gaps ✓Not ready
11 fields, every one cited
What the agent checks in every submission.
Submission summary & disposition
Applicant & policy verification
Required-form checklist match
Loss-run history check
Vehicle/property schedule completeness
Classification code verification
Supplemental questionnaire status
Consolidated missing-item list
Carrier-specific requirement citations
Producer review checklist
Typical inputs
What the agent reads, and what it connects to.
Documents
- Application form and supplemental questionnaires
- Loss run history
- Vehicle, property, or equipment schedule
- Carrier's current submission requirements
Systems
- Agency management system
- Carrier portal, where applicable
- Document repository or imaging system
Is this the right fit?
Built for volume across carriers — not a one-off submission.
✓ Works best for
- Agencies and MGAs submitting 20+ applications a week across carriers
- Teams standardizing submission checks against multiple carriers' requirements
- Producers wanting every gap traceable to a specific requirement
Too small for
- A single submission a producer can check faster than configuring the requirements
- Replacing underwriter judgment on the carrier's side
- Carriers with no documented submission requirements to check against
Grounded in the carrier's own requirements, not a black box
Compliance-first, the same standard every Sphere agent is held to.
The agent requires the carrier's current submission requirements before it will return a disposition, and every check sits between application intake and submission — never past it. A producer confirms every Ready-with-gaps or Not Ready before anything is submitted.
Missing-item flags reference the specific carrier requirement directly — the same audit-trail standard every Sphere agent on the Foundry is held to.
Prerequisites carrier requirements loaded
The carrier's current submission requirements are required before a disposition is returned.
Human review required
A producer confirms every Ready-with-gaps or Not Ready before anything is submitted — never fully autonomous.
Source grounding requirement-cited
Missing-item flags reference the specific carrier requirement directly in every submission.
Foundation Sphere AI Foundry
Access controls and audit trail configured here carry forward to every other agent you deploy.
Frequently asked
Does the Underwriting Submission Assistant decide whether to bind coverage?
No. It checks submission completeness only — the carrier's underwriter still makes the coverage and pricing decision.
What lines of business does it support?
Commercial auto, general liability, and property out of the box. Additional lines can be added during onboarding.
How does it integrate with our agency management system?
It reads directly from your agency management system, carrier portal, or document repository — no separate upload step required. Integration scope is confirmed during deployment planning.
Is every gap traceable to a real carrier requirement?
Yes. Every gap cites the specific carrier requirement it came from — there is no flag without a citation back to the source.
How is this different from a generic form-fill tool?
It's built around each carrier's own documented submission requirements, not a static form template. It runs on Sphere AI Foundry, so the access controls and audit trail configured here carry forward to other agents you deploy.
Hear from
our clientsHear from our clients
Lee Ebreo
VP of Engineering at Credit Ninja
These things would not have been achievable if we did not build our own in-house system and if we did not partner with Sphere to help us achieve our goals.
Selah Ben-Haim
VP of Engineering at Prominence Advisors
Our experience with Sphere and their team has been and continues to be fantastic. We keep throwing new projects at them, and they keep knocking them out of the park (including the rescue of a project that was previously bungled by another vendor).
Ben Crawford
Senior Product Manager at Enova Financial
I would expect to be delighted. It's been a really positive experience, working with Sphere, and I would expect you to have the same.
Mark Friedgan
CEO at CreditNinja
Sphere consistently prioritizes the needs of their clients, demonstrating both agility and teamwork. As an offshore team, they have been an integral part of our organization and we plan to continue growing with them.
René Pfitzner
Co-Founder at Experify
Sphere provided excellent full-stack development manpower to augment our team and help push our product forward. They are easy to work with, tech-savvy and proactive.
Bruce Burdick
Chief Information Officer at Integra Credit
We've been working with Sphere and its excellent consultants since our founding. I've found that they are true partners in the success of our business.
Jemal Swoboda
CEO at Dabble
The resources and developers that Sphere Software provides are skilled and have the required technical expertise, but more importantly, they have helped us build a culture of excellence within our team.
Arthur Tretyak
Founder and CEO at IntegraCredit
With Sphere, we were able to migrate in half the time it would take to train an additional FTE… and for a fraction of the cost. Our experience with Sphere has been exceptional.
Lee Ebreo
VP of Engineering at Credit Ninja
These things would not have been achievable if we did not build our own in-house system and if we did not partner with Sphere to help us achieve our goals.
Selah Ben-Haim
VP of Engineering at Prominence Advisors
Our experience with Sphere and their team has been and continues to be fantastic. We keep throwing new projects at them, and they keep knocking them out of the park (including the rescue of a project that was previously bungled by another vendor).
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See it on your own submissions
Bring three real underwriting submissions to the demo. We'll show the completeness check live — gaps, citations, and the disposition, on your own applications.
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