Overview
Policy Summary Copilot is an AI-assisted experience built into BriteCore's policy workflow. It delivers two complementary features that help underwriters, agents, and adjusters understand a policy's status at a glance and stay on top of outstanding conditions — without manually reviewing every tab and field.
| Policy Summary | Policy Readiness | |
| What you see | A role-aware AI summary with a recommended next step. | A live panel of conditions that need attention, organized by policy section. |
| When it runs | On demand — generate or regenerate at any time. | Automatically, on seven policy lifecycle events. |
| Where it appears | Policy Summary tab; the Policy section of a Claim. | The policy screen, organized by section. |
Note: Both features are advisory by design. They support the human decision but never take a binding action on a policy.
Who Uses Policy Summary Copilot
What each user sees depends on their role and your organization's permission configuration.
| User | What they see |
| Underwriters | Role-aware policy summaries, readiness worklist items, and recommended next steps tailored to underwriting decisions. |
| Agents | Policy status summaries and outstanding items relevant to the agent workflow. |
| Claims adjusters | A policy briefing within the Claims module: applicable coverages, limits and deductibles, and prior claims on the same peril. |
Where to Find Policy Summary Copilot
Policy Summary
The Policy Summary appears on the Policy Summary tab in the Policies module. It is also available in the Policy section of a Claim, giving adjusters coverage context without leaving the claim workflow.
Policy Readiness
The Policy Readiness panel appears on the policy screen, organized by policy sub-section. Each section shows a badge indicating the severity of the condition, ranging from informational to immediately blocking.
Note: If you do not see the Policy Summary tab or the Policy Readiness panel, contact your administrator to verify your permissions or confirm that the feature is enabled for your organization.
Using Policy Summary
The Policy Summary generates a role-aware briefing of the policy: the insured's overall standing, the flags that matter most, and a recommended next step.
To generate or refresh a Policy Summary:
- Open the policy in BriteCore.
- Navigate to the Policy Summary tab.
- Review the summary card displayed.
- Select Regenerate if the policy has changed and you need a fresh summary.
Note: The summary is cached and refreshed automatically. A 60-second cooldown applies between manual regenerations.
The Policy Summary draws from:
- Policy details, coverage structure, limits, and deductibles.
- Bind status, straight-through processing results, and referral state.
- Upcoming renewal or cancellation dates.
- Prior claims on the same peril (when viewing from a claim).
Adjuster briefing in the Claims module
When an adjuster opens a claim, the Policy Summary appears in the Policy section of the claim. It reads the claim's peril, date of loss, and location to produce a claim-aware briefing showing which coverages apply, the limits and deductibles in play, and any prior claims on the same peril. The full coverage table is available behind an expand toggle.
Using Policy Readiness
Policy Readiness is the policy-side worklist. It surfaces advisory items — each flagging one concrete condition that needs attention — pinned to the exact policy section where the issue lives. Items are generated by reconciling the policy with a curated rule catalog.
How readiness works
Readiness items are generated by comparing the policy against a catalog of conditions across policy sections. Each item includes a title, a plain-language description of the issue, and the tab where it needs to be resolved. Items are ranked by severity, from informational to immediately blocking.
Readiness re-evaluates automatically on the following lifecycle events:
| Lifecycle event | When evaluation runs |
| Policy issued | Readiness items are evaluated when a new policy is issued. |
| Endorsed | Re-evaluation runs when an endorsement is processed. |
| Renewed | Readiness refreshes at renewal. |
| Reinstated | Re-evaluated after a policy is reinstated. |
| Cancelled | Outstanding conditions are re-assessed at cancellation. |
| Submitted | Evaluated when a policy is submitted for underwriting review. |
| Referred to underwriting | Re-evaluated when a policy is referred. |
An item clears on its own once its condition is resolved. There is no acknowledge-or-dismiss step, so the panel always reflects the real state of the policy.
Note: Policy Readiness evaluation can take up to 3 minutes to complete after a lifecycle event. Evaluation runs alongside the policy transaction and can never cause the transaction to fail.
Readiness item visibility
Not all users see the same readiness items. Visibility is controlled by your role and permissions, the insight types enabled for your persona, and your organization's configuration. Contact your administrator if you expect to see certain items but do not.
Carrier-tunable conditions
Your organization can add conditions, adjust thresholds, or reword items to match your own workflows — without changing how policies behave. Contact your BriteCore administrator or implementation contact to discuss configuration options.
Data and Privacy
Policy Summary Copilot uses BriteCore's standard access controls. It only accesses policy data your role is already permitted to see — the copilot does not expand your data access.
- Policy Summary is strictly read-only and does not modify any policy data.
- Policy Readiness writes only readiness items and does not affect policy transactions.
- Your session is scoped to your user account and role.
Troubleshooting
| Issue | What to check |
| I don't see the Policy Summary tab. | Confirm the feature is enabled for your organization and that your role has the required permission. Contact your administrator if the tab is missing. |
| The summary looks outdated. | Regenerate the summary using the Regenerate option. If the policy changed recently, allow up to 60 seconds before regenerating. |
| I don't see any Policy Readiness items. | Policy Readiness may be switched off for your organization. Contact your administrator to confirm whether the feature is enabled for your role. |
| Readiness items haven't refreshed after a policy change. | Readiness evaluation runs automatically on lifecycle events and can take up to 3 minutes. If items appear stale after that window, contact your administrator. |
| I see unexpected items, or expected items are missing. | Readiness items are filtered by your role and permissions. Contact your administrator to verify which insight types are assigned to your persona. |
| Policy Summary is not visible on the claim. | The Policy Summary appears in the Policy section of a Claim. Confirm the policy is linked to the claim and that the feature is enabled for your organization. |
Frequently Asked Questions
Does Policy Summary Copilot make any changes to the policy?
No. Policy Summary is strictly read-only. Policy Readiness writes only readiness items — it does not change coverage, premium, or any policy data, and its evaluation can never cause a policy transaction to fail.
How current is the Policy Summary?
Summaries are cached and checked for freshness when you open the tab. If the policy has changed since the last summary was generated, use the Regenerate option. A 60-second cooldown applies between manual regenerations.
Why are my Policy Readiness items different from a colleague's?
Readiness items are filtered by role and permission. Underwriters and agents may see different item types based on their persona configuration. Your administrator controls which insight types are visible to each role.
How long does it take for Readiness to update after a policy change?
Readiness re-evaluates automatically on lifecycle events and can take up to 3 minutes. Once the evaluation completes, items are automatically updated, removed, or created.
What should I do if a summary or readiness item looks wrong?
Treat the output as a starting point. Review the underlying policy data in BriteCore to verify accuracy before making decisions. If something consistently appears incorrect, report it to your administrator so they can review the configuration.
Can I see the Policy Summary when working on a claim?
Yes. The Policy Summary appears in the Policy section of a Claim, giving you coverage context — applicable coverages, limits, and deductibles, and prior claims — without leaving the claim workflow.