Agent portal - Terms and BriteQuote Suspensions

In BriteCore's settings, you can configure the Agent portal to suit your needs.

There are several sections of settings, including:

• Payment
• Binding Authority
• Options
• Terms and BriteQuote Suspensions
• Agent Dashboard Text

In the Terms settings section, you can select policy term lengths. In the BriteQuote Suspensions settings section, you can set up BriteQuote suspensions.

Access the Agent portal Terms or BriteQuote Suspensions settings sections

1. In the BriteCore menu, select Settings.
2. In the Settings menu, select Modules, and then select Agent Portal.
3. On the Agent Portal screen, navigate to one of the following sections: Terms or BriteQuote Suspensions.

Terms settings

Terms options:

• State dropdown list: Allows you to select a state.
• Policy type term length: Allows you to select the appropriate term length for each policy type for the selected state.

BriteQuote Suspensions settings

The Suspension Mapping setting enhances the agent quoting process by providing agents with vital information about restricted areas such as closed, burn-prone, and flood-prone regions. This functionality aims to empower agents to make informed decisions, preventing them from proceeding with quotes in these restricted areas. The suspension map is integrated into the quote wizard, offering a clear visualization of areas with suspensions based on zip codes. When choosing the type of suspension, various options are available, including binding authority, suspension of application submission, suspension of quoting, suspension of the straight-through process, and suspension of endorsements.

Setup Instructions:

A carrier administrator has the ability to set up suspension mapping within BriteCore’s configuration screens. 

1. Navigate to Settings:

   • Go to Settings > Module > Agent Portal.

2. Access BriteQuote Suspension Setup:

   • Select setup BriteQuote Suspension.

3. Add Suspension:

   • Select the "Add Suspension" button.

   • Complete the required information in the module:

     • Title: Name the suspension for reference.

     • Agent/Agency: Specify the association of the suspension.

     • Start and End Date: Define the duration of suspension.

       • Start and End Date are based on the creation date of the quote

     • Suspension Type: Specify the type of suspension (e.g., suspend quoting).

     • Suspension Restriction Area: Choose between ZIP code or county level for the restriction.

4. Configure Quote Wizard Setup:

   • Proceed to Quote Wizard Setup

     • Go to Settings > Module > Agent Portal.

   • Enable the following two settings on the respective flows:

     • setup_policy.form.suspensions_map

     • setup_policy.form.property_zip

Utilizing the Feature:

1. Prerequisites:
   • Confirm that the carrier is using Quote Wizard.
   • Ensure Google Maps advanced setting is enabled with the API key. 
   • Confirm above settings are properly configured.
2. Agent Login:
   • Log in as an agent on the platform.
3. Create a Quote:
   • Begin the process of creating a quote as usual.
4. Access Suspension Map:
   • On the setup page of the quote wizard, the suspension map is available.
5. Verify Suspension Areas:
   • Confirm that the map displays all active suspensions associated with the current user's state and policy type.
   • When entering a zip code, observe if the map highlights the corresponding area if it falls under a suspension.

Suspension Type Definitions:

• Suspend Binding Authority: Blocks the ability to bind/issue coverage (finalize the policy) for submissions that match the suspension rules during the suspension’s active dates. Used when binding must be paused pending underwriting review, capacity constraints, or catastrophe management.
• Suspend Application Submission: Blocks sending an application forward in the workflow (e.g., submitting to underwriting/carrier) for business that matches the suspension rules during the active dates. Used to stop new business from being formally submitted while still allowing other actions as configured.
• Suspend Quoting: Blocks generating quotes (and may remove/filter available choices in the quoting experience) for business that matches the suspension rules during the active dates. Commonly used to pause quoting in specific geographies/lines/policy types during CAT events or rule changes.
• Suspend Straight Through Processing: Prevents “straight-through” automated processing/decisioning from running for matching business during the active dates, forcing a manual review path instead of automation. Used when automation should be paused due to risk events, data issues, or temporary underwriting requirements.
• Suspend Endorsement: Blocks policy changes/endorsements for matching in-force policies during the active dates. Used when mid-term changes must be paused (for example, during CAT holds or when specific coverages/areas require review).
• Suspend Cancellation: Blocks initiating or processing cancellations for matching policies during the active dates. Used to temporarily prevent cancellations (e.g., during disaster moratorium periods) where cancellation activity must be paused for regulatory or operational reasons.

Related Settings

enable-combining-suspension-rules advanced setting can be enabled to allow policy type as the first indicator, then select other parameters such as zip code. 

Note: This setting does not currently work with the Suspension mapping feature of Quote Wizard.