See which of your carriers will actually write it — before you build the file
Every commercial prospect gets a 0–100 Quote Readiness Score: how likely it is to get quoted, exactly what's missing, and how many points each gap is worth — in minutes, before you build the file.
For independent commercial P&C agencies — general liability, workers' comp, commercial property, commercial auto, and 8 more lines.
Free plan · 25 free analyses · Unlimited users · No credit card
- 5-year loss runs missing.IMPORTANT
- No financial statements on file.OPTIONAL
- Height work above two stories — narrows appetite to 2 of your 6 appointed carriers.
- Three open workers’ comp claims in 24 months.
Why ReadyToUnderwrite
Stop guessing. Start knowing.
ReadyToUnderwrite gives you the intelligence you need to make better decisions about every prospect—before you invest time.
Quote Readiness Score
A 0–100 scoring system that evaluates how likely a prospect is to get quoted—before you spend hours on the submission.
Carrier Appetite Intelligence
Configure your carriers’ appetites and appointments. RTU simulates every prospect against your configured appetite—so you see which carriers are most likely to write the risk.
Red Flag Detection
AI identifies risk characteristics and potential declination factors at intake—not after you’ve prepared the submission.
Intelligent Risk Intake
AI reviews publicly available business information and enriches prospect data. Build structured risk profiles in minutes, not hours.
Submission Readiness
Dynamic checklists show exactly what’s needed for each carrier. Know what’s missing before you submit—organized by carrier and coverage line.
ACORD Application Forms
RTU auto-fills the ACORD application forms you’re licensed to use with prospect intake data—all 18 forms, all 50 states. Download pre-filled forms ready for carriers, then submit them however you choose: email, AMS import, or carrier portal. No manual re-entry.
Learning Feedback Loop
Record outcomes and the system learns what works. ReadyToUnderwrite gets smarter about your agency’s carriers, risk types, and submission patterns over time.
Agency Intelligence
The longer you use it, the smarter it gets
Every outcome you record—quoted, declined, bound—teaches ReadyToUnderwrite what actually works for your agency, your carriers, and your book of business.
Decline Pattern Warnings
When your recorded outcomes show a pattern of declines for a carrier-risk combination, you get warned before the next submission.
Document Impact Analysis
Learn which documents actually improve outcomes. Your submission data shows what moves the needle for each carrier.
Submission Velocity Insights
Discover what high-scoring, well-prepared submissions have in common—and how to replicate them across your team.
How It Works
From prospect to decision in minutes
ReadyToUnderwrite fits into your existing workflow and makes every step smarter. See the full process.
Build the Risk File
Start with a website URL and AI pre-fills what’s publicly available. You complete an intake structured to the ACORD commercial application—applicant identity, locations, operations, financials, coverage lines, owners, loss history, and underwriting declarations—so the forms fill from it later.
See Where It Stands
A quote readiness score, risk tier, disqualifying flags, and the exact gaps between you and a submittable file—each one showing how many points it’s worth. Advisory, never blocking.
Match to Your Carriers
See which of your appointed carriers best fit this risk—based on appetite rules you configure.
Generate ACORD Application Forms
RTU generates the ACORD application forms you’re licensed to use for your chosen carriers, pre-filled with prospect intake data. Download them, then submit however you choose—email, AMS import, or carrier portal.
Submit with Confidence
Use readiness checklists to prepare complete submissions. Record outcomes to improve future results.
Pricing
One agency. One price. Everyone uses it.
Every plan includes the full scoring engine and unlimited users. No seat limits—your whole team gets access.
Every plan includes
ACORD forms: RTU generates ACORD application and submission forms for the initial quote phase, pre-filled for you to download and submit by your chosen method. Agents hold their own ACORD license and remain responsible for all forms. RTU does not transmit forms to carriers, and does not manage post-bind documents, renewals, or amendments.
What is an Analysis?
An analysis is one prospect evaluation performed by RTU. Each analysis may include:
ReadyToUnderwrite is designed to help agencies focus on the prospects most likely to bind—reducing wasted effort and improving submission quality over time.
Actual outcomes depend on data quality, carrier relationships, and market conditions.
Know which submissions will get quoted — before you build the file
Start with 25 free analyses. Unlimited users. Full engine. No credit card required.