Not every commercial insurance submission should receive an automatic quote. Many risks require additional underwriting review because of their size, complexity, exposure, claims history, industry, location, or carrier underwriting guidelines. SelectRate provides a configurable Refer to Company Rules Engine that automatically identifies submissions requiring manual underwriting review and routes them to the appropriate underwriting team. Instead of relying on manual processes or inconsistent underwriting decisions, organizations can standardize referral workflows across every commercial insurance product.
Refer to Company is an underwriting decision that temporarily stops straight-through processing and routes a submission to an underwriter for additional review before a quote or policy can be issued. Referral rules help insurance organizations maintain underwriting discipline while ensuring complex or unusual risks receive appropriate evaluation. Referrals are not declines. They simply indicate that additional underwriting review is required.
Commercial insurance submissions frequently contain characteristics requiring human review.
Examples include:
Automatic referrals reduce underwriting errors while improving pricing consistency.
Refer to Company workflows can be configured across every commercial insurance product.
Each product can maintain independent referral criteria.
Business users configure referral rules without modifying application code.
Rules may evaluate:
Organizations can build simple or highly sophisticated underwriting logic.
Referral rules can automatically assign submissions.
Assignments may be based on:
This ensures submissions are routed to the appropriate underwriting team.
Once a referral occurs, SelectRate automatically manages the underwriting process.
Workflow includes:
Every activity is recorded throughout the lifecycle.
Referred submissions appear directly within the Rating Workbench.
Underwriters can review:
Everything required for underwriting decisions is available in one workspace.
Organizations can configure approval requirements for referred submissions.
Supports:
Approval workflows are fully configurable.
Every referral decision is permanently documented.
Track:
Complete documentation supports internal governance and regulatory compliance.
Every referral rule should be validated before deployment.
Test:
Automated testing significantly improves underwriting consistency.
Referral workflows are available through secure REST APIs.
Applications can:
Referral decisions become part of digital underwriting operations.
Referral decisions often begin with eligibility evaluation.
Review:
Eligible submissions continue through automated rating while referral risks are routed to underwriting. Learn more about Eligibility Rules Engine
Referral workflows integrate directly into underwriting automation.
Evaluate:
Every rule is configurable and version controlled. Learn more about Underwriting Rules Engine
Premium calculations continue to support underwriting review.
Display:
Referral decisions are based on complete pricing information. Learn more about Premium Calculation Engine
Referral rules evolve over time.
Manage:
Future underwriting policies can be prepared before implementation. Learn more about Effective Date Management
Deploy referral rule updates through governed release workflows.
Supports:
Every workflow follows a structured deployment process. Learn more about Rating Release Management
Every referral decision is fully governed.
Track:
Organizations maintain complete operational visibility across underwriting referrals.
Insurance organizations automate referral workflows to improve underwriting quality and operational efficiency.
Benefits include:
Automatically identify complex commercial insurance risks, route them to the right underwriting team, and maintain complete governance over every referral decision with SelectRate.