Posted by: jmwilsonmga | September 25, 2012

Value Of A Complete Submission : Property & Casualty

With this blog post, we continue our blog series focused on the value of a complete submission.

As Underwriters at J.M. Wilson, we do our very best to indicate and quote off of all submissions, but there are a few ways that submitting a complete submission can help YOU!

1. Even Faster Service : By submitting a complete application, you are helping us to respond to your (and your insureds) needs even faster. This can help you win more business. Additionally, some markets will only quote the first complete submission.

2. Make It Easy : A complete submission makes it easier for everyone! It helps your insured by eliminating the need for them to complete additional information after the initial application, you by allowing us to get your quote to you faster and with less of your time maintaining the account, and us by allowing us to quickly contact our companies for a quote.

3. Flexibility : The information we list below would be considered “A Perfect Submission”, however we know the world isn’t perfect. A short narrative about the insured to include why they are shopping, pricing needed, and a description of operations can make a huge difference in helping our underwriters to hone in on the best markets to place it with, and the same goes for our carriers.

We want the opportunity to write your business, so please send us whatever information you may have.

For “A Perfect Property & Casualty Submission” :

General Information
-Years in Business – If it is a new venture, please provide prior experience information.
-Description of Operation – Please fully describe the nature of the applicant’s business.
-Website Address if the insured has one.
-Prior Carrier (3 years) : If risk has been in business and has had not insurance, please provide an explanation.
-Is carrier offering renewal or is this being non-renewed?
-Prior Losses (3 years) : Please provide details of any claims.
-Target Premium

-Construction, year built, & updates (This information is needed even if we are quoting personal property.)
-Square footage
-Current valuations
-Security or Protective Safeguards (for example – automatic fire suppression system, central alarm system)

-Premium Basis – Payroll, receipts, square footage, etc (including the number of active owner/officers and actual payroll)
-Products coverage –Any brochures, diagrams, and/or information.

Want to learn more? Questions about applications or products? Contact our Property & Casualty Department by calling (800) 666-5692 or clicking here to locate contact information for the J.M. Wilson Office serving your agency.

Stay tuned for our next installment of “Value of a Complete Submission”!

About the Author : Roxanne Barry, Michigan and Southern Region Property & Casualty Branch Manager

Roxanne joined the J.M. Wilson Team in 1997 and currently serves as the Property & Casualty Manager for Michigan and the Southern Region.  She manages, grows, and leads her department which includes other lines of business such as Professional Liability, Errors & Omissions, Directors & Officers, Employment Practices Liability, Products & Manufacturing, Medical & Health Related Professional Lines, and Excess.  She loves that everyday in her position brings a challenge, whether she is researching coverages, classes of businesses, or even learning about an insured’s business operations.  She also loves working with her team of underwriters and watching them grow within the industry.  In her spare time, she loves to enjoy the art and music in Kalamazoo, Michigan.  Although Kalamazoo is not a large city, it is unique in offering a variety of art, performance, culture, and food (home of the famous Bell’s Brewery!).

Connect with Roxanne on LinkedIn

Disclaimer :  This article is for informational purposes only.  There is no legal advice being suggested or proffered.  The author assumes no responsibility or liability for the actions taken or not taken by the readers based upon such information.  This article is the opinion of the author and is not supported or endorsed by J.M. Wilson.  It should not be relied upon and may contain inaccuracies or content may have changed over time, contact your underwriter for the most current and accurate information.  Any comments or responses are the opinions of their authors.  Content on this site is believed to be covered under Fair Use. Legal

Copyright 2012 J.M. Wilson Corporation


  1. Very good information! Agents do not realize sometimes how important a complete submission is in order to quickly and efficiently work to satisfy the needs of the clients.

    • Thanks for your comment, Rachel! A complete submission is beneficial to everyone – insureds, agents, underwriters, and companies. We appreciate your feedback.

Leave a Reply

Fill in your details below or click an icon to log in: Logo

You are commenting using your account. Log Out /  Change )

Google photo

You are commenting using your Google account. Log Out /  Change )

Twitter picture

You are commenting using your Twitter account. Log Out /  Change )

Facebook photo

You are commenting using your Facebook account. Log Out /  Change )

Connecting to %s


%d bloggers like this: