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Submission & Endorsement Review Calculator
See what intake really costs your underwriters, and what AI gives back. Three quick steps.
1 · Submissions
2 · Endorsements
3 · Your team
4 · Your results
Step 1 of 3
New business submissions
Start with what comes through the door.
/mo
Everything that arrives, not just what you bind.
min
Hands-on time only. Reading the CAB report and loss runs, typing in the details, chasing what is missing.
days
From submission received to answer given to the agent.
Enter a submission volume above zero to continue.
Step 2 of 3
Endorsements
The small ones. Adding a truck, swapping a driver, changing an address.
/mo
Every mid-term change request across the book.
min
Include the document check, not just the keystrokes.
days
From the agent's request to the endorsement being issued.
Enter an endorsement volume above zero to continue.
Step 3 of 3
Your team
Last bit. This turns the hours into a number you can compare.
people
Anyone who reads a submission or an endorsement request.
$
/hr
Salary, tax and overhead. Change it to whatever fits your market.
Underwriter hours returned
324hours / month
▼63% reduction
Currently 3,167 hrs a month on intake, down to 1,173
3,1671,173
TodayWith automated intake
Equivalent to
2.0
full-time underwriters
Annualised value
$253k
at your stated hourly cost
Extra capacity
+225
more submissions a month, same team
Decision turnaround
Submissions3 → 0.5 d
Endorsements2 → 0.4 d
Where the time goes
Monthly underwriter hours
Today508 hrs
With automated intake185 hrs
Each bar is split: the solid block is submissions, the lighter block is endorsements.
Assumptions›
These drive the model. Change any of them and the numbers update.
%
The part that gets automated. Underwriting judgement stays with your team and is not counted as a saving.
%
Rules-based types such as removing a power unit or changing an address. Taken from the live deployment, where the router decides 77% without a person.
%
Referred cases arrive with the analysis and summary already written, so the decision is faster even though a person makes it.
Benchmark: what this is modelled on›
Measured results at a US transportation MGA of roughly 20 to 25 staff, about 10 of them underwriters, distributing through 130+ appointed retail agencies.
- New business decision turnaround cut from three days to under one
- 1,400 endorsements processed in the first month, 82 on the peak day
- Each endorsement processed in 23 to 40 seconds, most decided without an underwriter touching them
- Full submission pack read, classified and extracted in 85 seconds on average
- Handles CAB reports, loss runs, MVRs, CDLs and IFTAs, runs a chameleon carrier check against FMCSA SAFER by DOT number, and flags required documents that were never supplied
What this does and does not say›
This is a planning estimate built from the numbers you entered. It is not a quote and not a guarantee. Your result will move with your document mix, your carrier panel, and how much of your review is genuine underwriting judgement.
Two things are deliberately excluded. Underwriting judgement time is not counted as a saving, because a person still makes the decision on anything that needs one. And no revenue effect is modelled, even though faster turnaround tends to pull more submissions from agents, because we have not measured that and will not claim it.
Ready to transform your organization?
"Your team is smart, capable, and technically strong - it’s been a pleasure working together"
— Walt Charles III
40+
Enterprise engagements
$10B+
Client revenue represented
1M+
Hours saved
