Policy page

Overview

Appulate's Policy page appears when a policy is bound.

Once bound, policies are available via the Policies menu. You can view all policies (All Policies) or a specific category (In Force, Terminated Policies, To Renew).

To access a particular policy, click its name in the list. You will be redirected to the Policy page.

Policy navigation

The Policy page is what you'll see first when you bind a policy in Appulate. 

The Policy page has a navigation bar with the insured's type ( Commercial or Person) and name, the policy's insurance line, its effective date, and status. Clicking the insured's name will open the Insured page.

To view all the pages associated with this policy, click your current page's name. This will open a list with all the options. To go to a page, just click its name in the list.

The following policy pages are available:

• Policy: contains the policy's summary, policy actions, and some policy documents.
• Insured information: contains information about the insured.
• Documents: contains policies, quotes, forms, loss runs, and other documents associated with the initial quote request that were available on the quote request's Forms, Loss Runs, and Documents pages. 
• Commissions: contains information on the commissions, fees, and premiums associated with this policy.
• Export (available if the External AMS is configured in the Settings): allows you to export the policy to AIM, Nexsure, or IMS.
• Activity log: contains information on all events related to the policy and corresponding quote request.
• Prior quote request: contains select read-only information from the quote request that preceded this policy.

Read-only policies

Some carriers may restrict access to their policies in Appulate. In this case, some policy information will be in read-only mode for agencies and/or MGAs:

• Summary (the Edit button is hidden)
• Insured information (the Ask agent and Ask insured buttons are hidden)
• Policy details
• Coverage lines
• Policy number
• Commissions page fields: Premium, Taxes and surcharges, Commissionable premium, Commission earned percent
• Effective and expiration dates

Some actions will be unavailable too: Delete policy, Cancel policy, Revert to request for a quote. You also won't be able to delete policy documents unless your company uploaded them. 

Policy page

The Policy page contains basic information about a policy, as well as policy documents and actions you can perform upon them. It consists of the following sections:

• Summary;
• Premium & commission;
• My company;
• Automatic remarketing;
• Actions;
• Policy documents;
• Policy details.

All valid information you enter will be autosaved. If some information you've entered is invalid, you'll see a message indicating any errors.

Summary

The Summary section includes the following fields:

• MGA/Wholesaler: The MGA or wholesaler closest to the current company in the submission chain with a bound policy.

For policies with a carrier from the Appulate database:

• If there is no MGA/Wholesaler between the current company and the carrier, or the MGA/Wholesaler is the carrier, the MGA/Wholesaler field will be hidden.

For policies without a carrier from the database:

• If an MGA/Wholesaler exists for this policy, and you select a carrier from the database, submission between the MGA/Wholesaler and carrier will be made.
• If there is no MGA/Wholesaler, the MGA/Wholesaler field will be hidden.

You can select the MGA/Wholesaler when adding a policy. 

You and your company's users (including assigned viewers) will also be able to select and edit the MGA/Wholesaler (as well as the Carrier) if:

• the policy was created by your company (by clicking Mark as bound or Add policy);
• and the carrier or MGA/Wholesaler doesn't enforce that the policy should be read-only;
• and the submission chain is either Agency → Carrier, or Agency → MGA → Carrier (in other words, the submission chain has only one MGA/Wholesaler).

Otherwise, the field won't be editable.

If an MGA/Wholesaler exists for this policy, clicking this field will open this market's page.

• Carrier: The name of the carrier that issued this policy. This is a required field for all policies.

This field gets filled out automatically when you click Request to bind on the Quote request page.

You can also fill this field out manually. You and your company's users (including assigned viewers) will also be able to select and edit the Carrier (as well as the MGA/Wholesaler) if:

• the policy was created by your company (by clicking Mark as bound or Add policy);
• and the carrier or MGA/Wholesaler doesn't enforce that the policy should be read-only;
• and the submission chain is either Agency → Carrier, or Agency → MGA → Carrier (in other words, the submission chain has only one MGA/Wholesaler).

Otherwise, the field won't be editable.

When entering data, the field displays a dropdown list with autofill options. If a carrier you've entered doesn't exist in Appulate, you'll see the following message:

If a Carrier exists for this policy and is present in Appulate's database, clicking this field will open this market's page.

• Policy number: The policy's number.
• Substatus: A detailing of the policy's status. It's used for tracking progress with this record.

You can enter a custom substatus in the text field or select a default one from the dropdown list (Additional Info Requested, Assigned, Information Received, Ready to Underwrite, Submitted). The Substatus field allows up to 300 characters. The substatus will only be available to your company's users. It doesn't influence the record status.

• Total Premium: The premium and taxes combined. To edit it, click the Total Premium value. This will open the Commissions page.

My company

This section contains the following fields:

• Producer (or Underwriter): The company's Producer or Underwriter user who has been assigned to this policy.
• CSR: The company's CSR user who has been assigned to this policy.

To better differentiate between users, their email addresses are indicated next to their names. You can change the Producer (or Underwriter) and CSR in the Edit summary dialog.

The Underwriter and CSR fields are synchronized with the Assigned Underwriter & CSR setting on the Agency Info tab. Whenever a new Underwriter and CSR is assigned on this tab (either manually or automatically), a record update notification is sent to the submitting company.

You can also fill out these fields when adding a policy.

Renewal

This policy is a renewal: An indicator of whether this policy is a renewal of an existing policy.

Automatic remarketing

Automatic remarketing: Create a new remarketing request allows you to automatically renew an expiring policy. If this checkbox is selected in the Edit summary dialog, a new request for a quote with the same parameters will be created on a specified date. The date will be updated if you change the Effective Date on the Policy interface.

This setting is applicable only to policies with the Active Policy or Expired Policy status. It's only available if the Automatic remarketing setting has been selected on the Settings page. 

Editing a policy's Summary

To edit a policy's Summary section's fields, click next to the section's header. This will open the Edit summary dialog.

Some fields might not be editable depending on whether the policy was created by your company, whether the policy is read-only, as well as other relevant settings.

The Edit summary dialog doesn't contain Total Premium. To edit the Total Premium, click its value. This will redirect you to the Commissions page, where you can make the changes provided that the policy isn't read-only.

Actions

This section contains the following buttons:

• Create renewal: Allows you to manually renew an expiring policy.
• Cancel policy: Allows you to cancel this policy. A policy can be canceled by both the company that created it (agency or MGA) and the company that received it (market).
• Restore policy: Allows you to restore a canceled policy. This button will appear after you cancel a policy.
• Share with insured: Allows you to share this policy with the insured.
• Create certificate: Opens the Create certificate page.
• Notes: Opens the Notes sidebar, where you can add and view internal and shared notes on this policy. If your company has at least one note for the policy, the Notes icon will indicate this with a dot: .
• More actions (menu): Opens a dropdown list with additional actions: Revert to request for quote and Delete policy. If there's only one additional action available, it will be shown separately. There'll be no menu available. 

If you click Delete policy, you'll see a confirmation dialog:

Policy documents

The Policy documents section contains uploaded policy documents. For some markets, this section can also contain documents generated during policy binding, as well as policy forms bound to this market and insurance line.

You can upload a document by:

• clicking Upload at the top of the section;
• dragging a document from your files and dropping it onto the section.

Group actions

If the Policy documents section has one or more documents, group actions will be available. You can download the documents, send them by email, or delete them (only for uploaded documents).

Group actions are displayed in the three-dot (More actions) menu if a document hasn’t been selected, or in the section header if one or more documents have been selected.

Document actions

Each document is displayed with:

1. its name. Clicking it downloads the document;
2. the date on which it was uploaded or generated. For policy forms, this isn't shown;
3. the name of the person who uploaded or generated it. For policy forms, this isn't shown;
4. a set of available actions.

The following actions are available:

• Clicking the Edit icon opens the Document Markup dialog. There, you can change the document's name and visibility, as well as add notes.
• Clicking the three-dot icon opens the More actions menu. There, you can opt for sending the document by email or fax, or deleting it altogether. 

If you click Delete in a document's More actions menu, you will see a confirmation dialog:

Policy details

The Policy details section displays the policy's coverages, limits, deductibles, and other related information. It is visible to all companies associated with this policy if:

• the carrier is in Appulate's database;
• the carrier has the necessary configurations.

If you want to make some changes, click in the section's top-right corner.

1. A dialog will appear informing you that the changes will only apply in Appulate. Click Edit to proceed.

2. This will open the Policy details dialog. Any changes you make there will be saved automatically. 

If the policy has no details (e.g. if you create it as a renewal), the section will display an empty state. You can fill in the details by clicking .