What are subjectivities and how do I complete them?

In Excess & Surplus lines, many risks necessitate an additional underwriting review of information. Coverage is approved based on these subjectivities. These are conditions set by the insurer to verify if the applicant meets certain standards and possesses adequate risk management protocols. Such conditions may involve the provision of financial records, operational procedures, certifications, details of service areas, and previous claims history.

When submitting supplementals, agents should ensure that all forms are duly signed and dated by both you and your insured. If the information provided is insufficient, an underwriter will request additional or corrected documents via email with the subject line: ACTION NEEDED.

After receiving the necessary information, underwriting will assess whether it meets the criteria to finalize the coverage terms, necessitate revisions, or warrant a decline in coverage. If you are notified that a subjectivity or supplemental has been rejected, verify that you have uploaded the corrected form and resubmit.

Subjectivities are not just a part of the underwriting process; they also serve as a crucial tool for insurers to evaluate applicants properly. By fulfilling these conditions, applicants enable insurers to assess their risk exposures accurately before finalizing coverage terms and pricing.

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