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 ForceTerminated PoliciesTo Renew).

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

Policy page

Policy navigation

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

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.

policy navigation

The following 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

read-only policy

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. 

Note: The same restrictions appear when a policy is bound by different companies in submission.

In this case, the associated quote request will have read-only elements for other companies in the submission chain. Expiring policy number and Expiring premium will be read-only on the summary bar.

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:

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

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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:

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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.

premium

My company

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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.

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

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

Automatic remarketing

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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 2023-12-06_15-19-20 next to the section's header. This will open the Edit summary dialog.

Note: For read-only policies, the Edit button isn't available.

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.

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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

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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.
  • 2024-01-09_14-11-59 Notes icon 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: 2024-02-06_17-47-18 notes icon.
  • 2023-08-01_15-12-18 (1) 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:

delete policy 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.

policy documents

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.

Note: Documents in this section are synchronized with the Policies section on the Documents page.

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.

policy group actions

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.

Documents interface

Note: The icon 2024-01-12_18-09-03  near a document's name indicates that it is only visible to the users of your company.

The following actions are available:

  • Clicking the Edit icon 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 kebab-menu iconopens the More actions menu. There, you can opt for sending the document by email or fax, or deleting it altogether. 

Note: You cannot edit or delete generated policy documents. You can edit and email policy forms, but you cannot delete them.

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

delete 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.

Policy details

If you want to make some changes, click 2023-12-06_15-19-20 in the section's top-right corner.

Note: If the policy is available in a read-only mode, the Edit button will be hidden. For now, the Edit button is also hidden for viewers.

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

edit dialog

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

Policy Details dialog

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 2023-12-06_15-19-20.