Five ways brokers can improve underwriting submissions

In today’s fast-moving insurance landscape, brokers must evolve the way they present risks to underwriters. According to insights shared by FullCircl, brokers can dramatically improve submission outcomes by focusing on data quality, depth of client insight, and smarter use of technology.

First and foremost, accurate data is critical. Outdated information—such as incorrect addresses or financials—can distort risk assessments and lead to less favourable terms. Brokers should ensure key data points like turnover, assets, and director details are regularly updated and validated using trusted sources like Companies House and HMRC.

Business descriptions must also evolve beyond static SIC codes. As companies diversify and adapt to changing market conditions, underwriters need detailed, real-time business profiles that fully reflect clients’ risk exposure. Tools such as Real-Time Industrial Classifications (RTICs) can provide this deeper visibility.

Underwriters consistently say that more data—when well-organised and relevant—is always welcome. Including ESG metrics and broader operational insights strengthens submissions, helps underwriters make faster decisions, and supports better policy alignment.

Technology plays a vital role too. Automating the submission process, pre-filling fields with verified data, and using predictive analytics all reduce manual effort and improve submission quality. A single, real-time view of client risk enables brokers and underwriters to stay aligned throughout the customer lifecycle and respond more effectively to emerging risks.

The message is clear: accurate data, richer insights, and smart technology are key to helping brokers secure the best terms, faster.

Read the full blog from FullCircl here.

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