Underwriting Funnel & Hit-Ratio Monitor · Wisdom notebook

Ask the follow-up.

Agentic conversational BI · one continuous thread across the submission-to-bind funnel.

Before I dig anywhere, which producers are sending us the most submissions this window?

Ranked total submission volume by producer over the governed PAS + agency-management book, so I can see where capacity is being spent before judging where it converts.

Submission volume is spread across all eight producers, led by the big wholesale channels — CRC_Group and AmeriTrust_Retail send the most, Jencap and Burns_Wilcox the least:

CRC_Group216k subs — most volume216k

AmeriTrust_Retail215k

Amwins209k

RT_Specialty186k

House_Direct173k

Risk_Placement159k

Jencapleast volume, best hit ratio 8.6%124k

Burns_Wilcox120k

The two biggest channels also post the lowest producer hit ratios (CRC_Group 7.7%). That's not a conversion problem — it's what they write. Hold that thought for the mix question.

Is quote rate consistent across the book, or are some programs getting quoted far less than others?

Pulled quote rate (quotes ÷ submissions) per program and scored each against the book's 55.7% level; the spread is well inside any credibility band.

Quote rate is remarkably uniform — every program quotes within a tenth of a point of 55.7%. This is a well-run intake; nothing is being under-quoted:

WineRe55.8%in linein-band

Contractors GL55.9%in linein-band

Public Entity Package55.7%in linein-band

Habitational55.9%in linein-band

Reel Media Entertainment55.7%in linein-band

Golf & Country Club55.7%in linein-band

Quote rate carries no signal here — it's flat across every program. If conversion differs by program, it happens downstream of the quote, not at the intake.

Pull the funnel for our best converter — does WineRe convert cleanly all the way through?

Rebuilt the submission → quote → bind → new-business funnel for WineRe across the portfolio; this is the shape to deploy capacity toward.

WineRe is the reference for a strong converter — same 55.8% quote and 41.6% bind as the rest of the book, but the richest new-business conversion at 10.7%:

hit ratio · WineRe (portfolio) 10.7%

Submissions received51,129100%

Quoted28,51956%−44% · quote rate 55.8%

Bound policies11,86223%−58% · quote-to-bind 41.6%

New business won5,46511%−54% · 19.2% of quotes bind as new business — best in book

Same funnel shape as everything else through the bind step — WineRe's edge is purely that more of its quotes convert to new business (19.2% vs the book's ~14%). That's the appetite worth more capacity.