Recent topics

Keep the agent on the same screen while quoting

When new business is quoted in the policy wizard, users are directed to separate screens to add and rate property and policy coverages. Advanced settings allow users to stay on the same screen while adding coverages by changing the additional screens to dialog boxes. 

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Lifecycle Parameters

Lifecycle Parameters in the Policy Lifecycle section are set by BriteCore configuration analysts during configuration and implementation. 

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Set up a threshold limit

Clients can define a threshold of applicable limits against which either an email is sent and/or an approval code is necessary for quoting to continue.

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Manage cancellations for converted policies

When a client transitions to BriteCore, renewals may be converted one month at a time. During that period, clients will have policies expiring in their legacy system and renewing into BriteCore. On occasion, clients may need to either cancel or issue a cancellation notice on a policy that is in the transition phase.

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Redirect to wizard policy status

With the advanced setting redirect-to-wizard-policy-status you can designate the policy status(es) that will redirect the user to the policy wizard when the user selects a policy from the Policy Search screen.

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Default contact type

With the advanced setting default-contact-type, clients can set the default contact type in the policy wizard to individual or organization.

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Notes overview – BriteClaims

Within BriteClaims, you can access Notes from multiple areas. The ability to view, access, and make changes in the Notes section depends on your role and the claim’s status. 

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Delay assigning policy number

In BriteCore, when an application is submitted, it’s immediately issued a policy number. This setting avoids assigning policy numbers until the application has been made an active policy. BriteCore will distinguish, via number format, between an application/quote and active policy.

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Delete Persistent Builder mapping using Support Tools

When you create a new effective date, you may introduce changes incompatible with your older Lines versions, such as altered category options, different names, etc. This can cause your policies to fail to renew. With Create Persistent Builder Mapping, you can explicitly map the changes in the system.

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NxTech Initial Load for Agency using Support Tools

Sometimes, you may need to send an initial load of policies to an agency for download. NxTech Initial Load for Agency is a support tool that helps to automate the process and generates a NxTech file that contains the current state of all policies for a given agency with all transaction codes set to SYN.

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Set expected recoveries

In personal auto claims, you can set the amount for expected recoveries. Expected recoveries are configurable and can consist of Reinsurance, Subrogation, and Salvage.

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Loss run reports

BriteCore now includes loss run report functionality so an agent or agency can create a loss run report for an insured. A loss run is a summary of all the claims that have occurred on a policy over a period of time.

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LexisNexis FIRSt

The LexisNexis® Financial Institution Reporting System (FIRSt) solution provides loss payee notification distribution services, helping clients conduct important business processes that support compliance requirements, such as notifying automobile finance companies, auto leasing companies, and mortgage lenders about changes to insurance policies.

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IVANS eDocs Upload tool

Clients can create new file folder names in IVANS by enabling the IVANS eDoc Build Tool. The support tool allows clients to generate new XML files by specifying a date cursor, policy number, and documents to generate and export to IVANS.

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Copy underwriting rules using Support Tools

When setting up a new instance of BriteCore, you can expedite the process by using the Copy Underwriting Rules feature to copy underwriting rules to a new effective date, state, and policy type. This saves you time when configuring your insurance products.

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Copy policy types using Support Tools

When setting up a new instance of BriteCore, you can expedite the process by using the Copy Policy Types feature to copy line items from one effective date and state to another effective date, state, and policy type. This saves you time when configuring your insurance products.

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Copy line items using Support Tools

When setting up a new instance of BriteCore, you can expedite the process by using the Copy Line Items feature to copy line items from one effective date, state, and policy type to another. This saves you time when configuring your insurance products.

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Import a line of business using Support Tools

When setting up a new instance of BriteCore, you can expedite the process by using the Import Line feature to import active policy types and lines of business from one instance of BriteCore to another. This allows you to promote defined insurance products to other environments.

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Create Persistent Builder mapping using Support Tools

When you create a new effective date, you may introduce changes incompatible with your older Lines versions, such as altered category options, different names, etc. This can cause your policies to fail to renew. With the Create Persistent Builder support tool, you can explicitly map the changes in the system. This saves you time when configuring your insurance products.

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Borrow coverage

If an insured is involved in an accident in a rented or borrowed vehicle, carriers need to borrow coverage to pay the owner of the rented or borrowed vehicle and to pay associated medical expenses. In BriteClaims, you can follow a series of steps to borrow coverage.

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Medical Expense stackable coverage

Some states require stacking, or the combination of coverage limits, for auto insurance. BriteCore offers the ability to stack the Medical Expense coverage, so users can combine the Medical Expense coverage limits for up to four motorized vehicles on an insured’s policy. 

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Run the nightly non-pay processes using Support Tools

You can use Support Tools to run the nightly process to place a policy into Cancellation Pending for Non-Payment of Premium, evaluate whether the policy should cancel for Non-Payment of Premium, cancel when appropriate, and generate the corresponding deliverables.

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Submitted Applications report

The Submitted Applications report is a custom report that displays the Policy Number, Policy Type, Agent/Agency, Agency Number, Effective Date, and Date Submitted for the submitted applications in one day. 

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Damaged Property Details overview

The Damaged Property Details screen consists of the Damaged Property Information section. On the Damaged Property Details screen, you can view detailed information about the damaged property and edit the damaged property information. 

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Edit billing dates

You can edit billing dates for a policy’s current invoice in the Balance Details section of the Billing Overview tab on the Accounts Receivable screen. 

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Set up email notifications for new business

Certain policy activities will trigger email notifications. Clients can designate email recipients using administrative alerts and settings within the Contacts module. Clients can further customize emails with advanced settings. 

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Google Maps (Onix) overview

BriteSuites is integrated with Google Maps mapping solution. BriteSuites uses Google Maps as a geocoding service. Geocoding refers to locations in terms of geographic latitude and longitude coordinates, which is more accurate than describing a location’s address in terms of street names.

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Google Maps setup

BriteSuites is integrated with Google Maps, a mapping solution. BriteSuites uses Google Maps as a geocoding service. Geocoding refers to locations in terms of geographic latitude and longitude coordinates, which is more accurate than describing a location’s address in terms of street names.

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SmartyStreets setup

SmartyStreets, an address validation integration, is available with BriteSuites. BriteSuites uses SmartyStreets as a geocoding service.

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SmartyStreets overview

BriteSuites is integrated with SmartyStreets, an address validation solution. BriteSuites uses SmartyStreets as a geocoding service. Geocoding refers to locations in terms of geographic latitude and longitude coordinates, which is more accurate than describing a location’s address in terms of street names.

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Risk default naming

With the risk_default_naming advanced setting, clients can choose if the name of the risk will default to Property or Location on the Risks tab of the quote wizard.

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Convert policies at renewal

Clients can manually convert policies from a legacy system to BriteCore when a policy is due for renewal. Only users with the Administrator role have the ability to manually convert policies at renewal.

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Content protection 101

This is an example post with protected content. Public-facing content The Lines module provides a dynamic interface for administrators to set up

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Auto renewal

By default, policies renew automatically in daycron based on a client’s renewal timeline configuration. With the advanced setting, auto_renewal, you can disable auto-renewals in daycron.

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Step 5 – Add a claimant in the Claims module

A claimant is either a first-party (named insured) claimant or a third-party claimant. When a claim is linked to a policy, the named insured on the policy is considered to be one of the claimants. The named insured will appear on the Contacts tab of the claim under Named Insured. If there are additional claimants associated with the claim, you can add them in the Claimant(s) section of a claim’s Contacts tab.

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Reopen an exposure

Exposures closed by mistake can be reopened. Litigation and requests for additional payments may also necessitate reopening an exposure. 

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Generate endorsement summary

With the generate_endorsement_summary advanced setting, you can enable or disable the automatic generation of the Endorsement Summary when an endorsement is committed. 

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Attachments overview

The Attachments screen allows you to locate and manage files for a specific policy. The Attachments screen contains system- and user-generated folders and files. 

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Manage quoting suspensions

In BriteCore, administrators can add temporary suspensions on an agent’s or agency’s ability to bind a quote, submit an application, quote specific lines of business, or use straight-through processing. Administrators can also edit existing suspensions and delete suspensions.

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Start BriteLines training

In the BriteLines training, you will learn about each part of BriteLines and how they work together. The training pages contain links to documentation for specific tasks.

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Rate Preview

In Rate Preview, you can create scenarios to test, validate, and preview rates directly in BriteLines.

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Items

Items are the coverages, fees, and endorsement forms attached to risks. You can add three types of items: Coverages, fees, and endorsements.

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Product versioning

In BriteLines, you can version products by effective date, allowing you to make changes to a product without affecting in-force policies. You can publish product versions into production based on a specific effective date.

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Rating risks

BriteCore’s rating engine combines risk type details (fields, items, rate tables, and calculations) with quote details (risks, field answers, chosen items) to determine each item’s premium, limits, and deductible.

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Data fields

Data fields (fields) define the data that may be collected to rate a risk. The provided values are used for collecting data; creating underwriting rules; and determining the premium, limit, and deductible values.

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Rate tables

Rate tables store the data used to map inputs (data fields, other rate tables, or calculations) to outputs (a rate, factor, or anything else).

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Lines of Business screen

In BriteLines, you can create new lines of business or edit existing lines. A line of business (LOB) is a classification of insurance business, such as auto, property, or liability. The Lines of Business screen contains all of the existing LOBs.

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Products

In BriteLines, products are set up in a product hierarchy based on parent-child relationships, meaning the child inherits data and properties from the parent.

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Risk Types

Risk Types are similar to primary exposure line items in classic Lines and contain data fields, rate tables, calculations, and items.

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Policy Information

The Policy Information section displays the line’s Risk Types, which include data fields, rate tables, calculations, and items.

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Add policy to a claim

Claims can exist without an associated policy in BriteClaims. When an FNOL is submitted without a policy, the resulting claim is tagged with the  No Policy tag and the New claim status. The status of a claim without an associated policy can’t be changed from New to Open unless a policy is added to the claim.

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Assign BriteClaims access permissions

BriteClaims permissions are managed by two systems: BriteRules and BriteAccess. With BriteRules, permissions are based on user role and claim/exposure status. With BriteAccess, permissions are based only on user role. You can assign BriteClaims specific access permissions to a role in BriteAccess.

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BriteClaims email notifications

In BriteClaims, specific events can trigger email notifications. When an event occurs, BriteClaims posts that event in BriteEvents. BriteEvents and BriteRules communicate and BriteRules determines if the event triggers an email notification. The email notification will be sent if the event triggers a notification.

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Rewrite a policy

You can rewrite a policy from the policy header of a policy’s Overview screen. When you rewrite a policy, you can choose to only rewrite the policy, or you can choose to cancel and then rewrite the policy. A new policy ID is assigned to the rewritten policy.

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Quote flow overview

The quote flow is a series of steps that a user walks through to quote a policy for potential new business. In BritePolicies and BriteQuote, the quote flow can be customized for each carrier to meet the needs of its organization. In general, the quote flow will consist of screens that gather basic information about the policy and policy type, the named insured(s), additional interests, the risk(s), and the coverages included in the policy. Based on this information, a rate is calculated.

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Renew a policy

You can renew a policy from the policy header of a policy’s Overview screen. You can choose to renew a policy with or without changes.

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Policy History tab

The Policy History tab is the second tab on a policy’s Overview screen. The Policy History tab displays the history of transactions on a policy and a detailed list of changes that occur in each transaction.

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Policy’s Overview tab

The first tab of a policy’s Overview screen is the Overview tab. The Overview tab provides a summary of the policy, including information about the insureds, the agency, billing, and premium.

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Policy header overview

The policy header provides a snapshot of the policy and provides a list of actions you can initiate from the policy header. With the policy header, end users can quickly see which policy they are in. 

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Delay cancellation per policy

With the Delay cancellation per policy feature, users can delay the policy cancellation date to provide additional time to pay an outstanding balance without extending the effective date of cancellation. A balance must be billed before the user can delay the cancellation date, and the selected cancellation date must be both greater than the original cancellation date and greater than today’s date. When a user delays cancellation, the policy will cancel on the new cancellation date (unless payment is issued) but will use the original cancellation date as the effective cancellation date.

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Vehicle Details overview

The Vehicle Details screen contains additional information about the involved vehicle. Each involved vehicle will have a Vehicle Details screen. On this screen, you can manage vehicle information, occupants, damage information, fault information, and, for third-party vehicles, insurance information.

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Add an injury

On the Injuries screen of a claim file, you can add additional injuries. When you add an injury, you must be able to add the injury to a party already associated with the claim. If the party isn’t associated with the claim, add the party first.

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Underwriting screen

In the Provider Administrator portal, the Underwriting screen in the Quote wizard resembles the Underwriter screen in the Agent portal Quote wizard. Configuration of the Quote wizard and settings will determine if the Underwriting screen appears.

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Configure LexisNexis MVR in BriteSuite

You can integrate BriteSuite policies with LexisNexis Motor Vehicle Records (MVR) to automate the method of requesting driving records from all 50 states and the District of Columbia, with additional service for several Canadian provinces and Puerto Rico.
LexisNexis MVR integration allows you to validate the motor vehicle history of potential customers during the quote flow. Automotive insurance providers, agents and underwriters can use the records to determine eligibility.

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BritePolicies screen flow

The BritePolicies screen flow is a YAML configuration that provides clients with the ability to customize the policy information tabs and content. The screen flow reduces the need for scrolling and is designed to present information in a clean, read-only view. To edit any information within the policy screen flow, you must create an endorsement.

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Configure SmartyStreets in BriteSuite

You can integrate BriteSuite policies with SmartyStreets to validate addresses and standardize them to USPS specifications. This also provides geocoding; geocoding refers to locations using latitude and longitude, which is more accurate than describing a location’s address with street names.

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Policy status and revision state overview

Throughout the policy lifecycle, a policy’s status will change, as will a policy’s revision states. The policy status indicates the current phase of the lifecycle a policy is in, and the revision state indicates the phase of revision a policy is in.

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Append policy term suffix to quote numbers

When enabled, the append-policy-term-suffix-to-quote-numbers advanced setting adds a policy term suffix to a policy number. The suffix indicates the term of the policy, beginning with -00 and increasing incrementally.

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Add LexisNexis system tags

In BriteCore, you can tag line items with system tags. Then, you can use tagged line items in conjunction with BriteData to produce clean, powerful reports.

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Step 5 – Billing

On the Billing screen, you can determine if the first and future bills are paid separately, add payment information, and select the payment or billing schedule.

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Step 4 – Rating

On the Rating screen, you can identify the coverages, items, limits, and deductibles that will be included in the policy, as well as provide additional information about the risk/property. The rate is determined by this information.

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Step 3 – Risks

On the Risks screen, you can add property detail information, such as the physical location of the risk/property, images of the risk/property, loss history of the risk/property, and the risk/property mortgagee. The information provided can impact rating or the decision to approve the policy. 

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Step 2 – Contacts

On the Contacts screen, you can add contacts related to the policy, such as the named insured, agency, and additional interests. Depending on settings, additional contacts can be added.

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Step 1 – Policy Setup

In the Quote wizard, you can create quotes for new business and you can migrate policies from a legacy system. The first screen you will complete in the Quote wizard is the Policy Setup screen. The following instructions apply to the default view of the Policy Setup screen. Depending on settings and configuration, your Policy Setup screen’s appearance may vary.

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LexisNexis credit scoring integration overview

The LexisNexis National Credit File (NCF) integration provides online consumer credit reports to insurance carriers. An applicant’s financial history can be considered as part of assessing risk for quoting and underwriting purposes.

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Vehicles overview

Vehicles can be added and managed within the Vehicles screen of a claim. Vehicles added during the FNOL automatically populate the Vehicles screen. You can also add additional insured vehicles, unlisted vehicles of the insured, and claimant vehicles.

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Integrations overview

BriteCore has a thriving ecosystem of innovative partners, and we constantly expand our partnerships to bring new value to the BriteCore community. BriteCore integrates with third-party software from a number of vendors to expand beyond its existing features and provide value-added services, allowing clients to easily and reliably connect to a wide variety of solutions.

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Step 8 – Submit claim

When you’re finished adding information in the Injuries screen, you have completed the FNOL workflow. If you’re satisfied with the entries you made throughout the FNOL workflow, navigate to the bottom of the Injuries screen and select Submit.

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Step 4 – Vehicles

For personal auto, the next step in completing the FNOL is to complete the Vehicles screen. On the Vehicles screen, you can add the vehicle(s) involved in the loss event, the owners of the vehicles, the passengers of the vehicles, vehicle information, and damage information.

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Invoice Cloud setup

Invoice Cloud is a payment portal that integrates with BriteCore to offer electronic payments, AutoPay, bill presentment, and billing details.

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Step 3 – Loss Details

The next step in the FNOL process is to complete the Loss Details screen. On the Loss Details screen, you can add information about the loss description, type of loss, loss location, and onsite services. This step is specific to the line of business or product. 

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Step 1 – Policy Search

The first step in the FNOL process is to identify the policy the loss event is being filed against. If you don’t have policy information, you can continue the FNOL workflow without attaching a policy to the FNOL. To access the Policy Search screen of the FNOL process, select + New FNOL on the FNOL Drafts screen or select + New Claim on the Claims Home screen.

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Configure Google Maps in BriteSuite

This tutorial walks you through implementing GoogleMaps in BriteCore if you wish to write your own plugin. It can also serve as a reference to understand how GoogleMaps integrates with BriteSuites.

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Classic Quotes overview

The Quote wizard provides a dynamic interface for agents and internal staff to generate policy estimates based on risk locations, rating details, product lines, and individual carrier risk tolerances. Carriers can configure each screen, from collecting contact details, answering initial questions, and completing rating information, to submitting an application, evaluating underwriting metrics, and completing final processing. The Quote wizard can be accessed from the Agent portal and the Provider Administrator portal.

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Void refund payments

With the void_refund_payments advanced setting, you can display or hide the Void button on return premium entries in the Account History table on the Accounts Receivable screen.

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Manage adjuster groups and user roles

When you assign an adjuster, you must search for an adjuster or select an adjuster from a menu of names. BriteClaims users who belong to the Adjuster group are available to be assigned as an adjuster.

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LexisNexis FIRSt setup

In BriteSuite, LexisNexis® Financial Institution Reporting System (FIRSt) sends updated personal auto policy information to the appropriate lienholder(s). FIRSt sends updated policy data from BriteCore to LexisNexis, where it is distributed to the lienholders.

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LexisNexis credit scoring setup

LexisNexis’s National Credit File (NCF) provides online consumer credit reports to insurance carriers. An applicant’s financial history can be considered as part of assessing risk for quoting and underwriting purposes. NCF supports a common inquiry and results format for credit information obtained from the three major credit bureaus.

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LexisNexis FIRSt integration overview

The LexisNexis® Financial Institution Reporting System (FIRSt) solution provides loss payee notification distribution services, helping clients conduct important business processes that support compliance requirements, such as notifying automobile finance companies, auto leasing companies, and mortgage lenders about changes to insurance policies.

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Enable the optional SSN setting for LexisNexis

BriteCore sends LexisNexis conditional data based upon whether the contact is a person or business and if the contact is within the United States. The lexis-nexis-credit-score-report-requires-ssn advanced setting allows you to determine if the SSN is necessary to retrieve a credit score from LexisNexis.

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Data fields overview

Data fields define the data that may be collected to rate a risk. The provided values are used for collecting data; creating underwriting rules; and determining the premium, limit, and deductible values.

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BriteSuite permissions by product line

Classic BriteCore allows you to control which agencies can write each line of business (LOB) or product that is active on their site. We extended this capability to BriteLines products and classic Lines LOBs for clients using classic BriteCore, BriteSuite, or a combination of both.

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BriteLines – Product Export improvements

The product template download process now runs asynchronously, reducing the time it takes to export a product template. Since product exports won’t time out, users can initiate an export, leave the page, and return later. The new Product Exports page displays exported products.

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Data field validators

BriteLines provides field validators that you can define when creating a field. Field validators ensure that data entered while creating a quote matches the expected pattern.

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Commission reports

BriteCore offers four out-of-the-box reports pertaining to commissions as summarized in the table below. Reports are accessed in the Reports module.

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Classic BriteCore environment setup guide

This guide walks SI partners through setting up the classic BriteCore platform. The classic BriteCore platform is built to be highly configurable out of the box. However, there are some limitations for SI partners. In this guide, we will discuss the limitations and identify ways to work around them to bolster the partnership experience.

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Changes to Pending Commissions Payments screen

With this feature, you will be able to make manual commission adjustments on all commissionable policies per agent or agency for the most recent month, until the Commissions Payment Queue is cleared or processed. You will be able to make multiple adjustments, positive or negative, per agent or agency at one time. If manual commission adjustments are made, you will be able to regenerate an Agent Commission Report from the Pending Commissions Payments screen, and the Agent Commission Report will reflect the manual adjustment change.

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Search and filter the Payment Log

You can locate specific payments or narrow the Payment Log results by using the search and/or filter functions. The Filter From and Filter To boxes must be filled in, but entering search criteria is optional.

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Access Sweep Report

You can access the Sweep Report from the Schedule Sweep screen of the Payments module. The Sweep Report can contain information about all sweep payments made within a designated date range by agents or agencies associated with the insurance carrier. The Sweep Report can also be configured to provide more limited information by allowing the agent or agency running the sweep report to view only the sweep payments made by that agent or agency. 

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Submit a sweep payment

In the Agent portal, you can submit manual payments through Agent Sweep. Depending on settings, Agent Sweep allows you to add single or multiple payments to the Sweep Queue.

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Accounts Receivable overview – Agent portal

The Accounts Receivable screen in the Agent portal displays the policy header, the Billing Overview tab, and the Billing Setup tab. Information for a specific policy is organized between the two tabs: Billing Overview and Billing Setup.

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Enable Invoice Cloud

After setting up the Invoice Cloud integration on the Vendors screen, you need to enable the use-v2 advanced setting for the integration to function.

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Invoice Cloud overview

Invoice Cloud is a secure electronic bill presentment and payment solution that administrators, agents, and customers can use. Administrators and agents will use Invoice Cloud only as a payment processor, but customers will use it for the entire electronic billing experience.

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Don’t allow null Loss Date

With the Don’t allow null Loss Date feature, users in the Provider Administrator portal won’t be able to change a claim’s status to Open if the Loss Date isn’t entered for the claim.

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Manage the Daily Cash Receipt deposit list

When manual payments are made on a policy and you add these payments on the Daily Cash Receipt screen, the payments populate in the deposit list. From the deposit list, you can view policy information, access a policy’s Accounts Receivable screen, remove a payment, and process the deposit receipt.

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Make a payment

You can initiate payments on single policies or on policy groups from the Accounts Receivable screen in both the Provider Administrator and Agent portals. 

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Edit the initial bill contact

By default, the Initial Bill Contact section populates with the information selected in the Recurring Billing Section. You can’t edit the Initial Bill Contact section unless you choose to send the initial bill to a different contact.

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View future invoices

By default, you can view current and previous invoices, but not future invoices, in the Account History table of the Accounts Receivable screen. BriteCore provides functionality so you can view future invoices in the Account History table.

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View revision history

You can view the revision history of a policy from the Accounts Receivable screen in both the Provider Administrator portal and Agent portals. 

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View installment schedule

You can view and open the installment schedule from two separate locations on the Billing Overview tab of the Accounts Receivable screen. The Installment Schedule link appears in the Balance Details section and the Account History section. 

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Manage non-pays

The Total Non-Pay(s) field captures the total number of non-pays on a policy. You can find the Total Non-Pays field in the Policy Details section of the Billing Overview tab on the Accounts Receivable screen. The number included in the Total Non-Pay(s) field includes any legacy non-pays manually added. 

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Access linked policies

When you link policies together to form a policy group, you can access a linked policy in the policy group from another linked policy in the same policy group. You can access linked policies from the policy header on the Overview screens or from the policy header on the Accounts Receivable screen. 

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Supported AWS services

BriteCore’s cloud-native platform is designed for easy access from any internet-capable device, efficient management and support, excellent performance and scalability, and resilience in the face of business disruptions.

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FNOL Drafts overview

The FNOL Drafts screen provides the ability to create a new FNOL and filter the FNOL Drafts list to easily locate the draft you want to access. The FNOL Drafts screen also displays a list of all FNOL drafts with details about each loss. 

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Show previous credits and debits

A setting allows staff (Provider Administrator portal) and agents (Agent portal) to view a previous term’s credit or debit in the Account History table of a policy’s Accounts Receivable screen.

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Add or edit a rule description

Each rule needs to have a description to articulate the rule’s purpose and function. If a rule doesn’t have a description, you can add one. If you need to change an existing rule description, you can edit it.

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View STP templates

In BriteRules, a template is a predefined rule with a set of arguments that can be configured. If you want to see if any of the available STP templates fit your needs, you can view them in the Quoting Form Behavior project.  

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Manage rules effective dates

You can manage existing rules effective dates with the following actions: Edit, Publish, Revert to Draft (available only for published effective dates), and Create Deployable.

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Create classic STP rules

In classic BriteCore, you have to write STP rules in Python code in the code repository. In BriteRules, you can create STP rules directly from the user interface.

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BriteRules overview

BriteRules integrates with multiple BriteCore products to create rules which automate system decisions. All rules use data from other products received via API calls.

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Commit revisions

When BriteCore users finish modifying a policy revision, they can commit the revision and finalize the changes to the policy.

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Set up minimum return premium threshold

When a policy is canceled and the amount of the return premium is above the defined minimum threshold, the amount will be moved automatically to the Return Premium Queue. If the return premium is below the defined minimum threshold, the return premium will remain on the policy.

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DayCron/Nightly processing

Cron is a software utility in Unix-like computer operating systems that automatically schedules time-based jobs. BriteCore’s DayCron script is executed on every live site’s Leader node around midnight every day. This document provides a summary of the nightly processing details in BriteCore.

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Asynchronous revisions

With the new Asynchronous revisions feature, users who process renewal revisions can process a manual renewal revision as a background job, and agents can process new business as a background job.

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Policy Lifecycle – Get started

When setting up the Policy Lifecycle, you will need to configure the settings in the following sections: Choose a State, Lifecycle Parameters, Billing, Payment, Non-Pay, Cancellation, Non-Renew, Continuation, Reinstatement, and Expiration.

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Export return premiums

Return premiums are exported from a central queue and can be exported to any vendor of a client’s choosing, including QuickBooks and Intaact.

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Issue a Negative Commission Report (statement)

When an agency has a negative commission balance, the agency will need to be informed so the negative balance can be addressed. An agency is informed about the negative commission balance through the Negative Commission Report (statement).  

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Show change of address all invoices

With the advanced setting show-change-of-address-all-invoices, you can choose to include the Change of Address form on installment, equity, amended, and cancellation statements (invoices) or you can include the Change of Address form on all statement types, including initial and renewal statements (invoices). 

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Cancel invoice bill for

The cancel_invoice_bill_for advanced setting allows you to configure the type of premium you want the Cancellation Billing Statement to bill for: adjusted, earned, or unearned. 

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Commissions overview

Commission is the compensation due to an agent or agency in exchange for the development of new business or maintenance of existing business. A commission can be paid in one of two ways: paid on written premium or paid on paid premium.

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Use wizard

With the Billing advanced setting use-wizard, you can use the new policy wizard in BriteCore.

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Agent portal setup overview

To set up the Agent portal, complete the following processes: enable the BriteQuote Policy Wizard, configure the Agent portal settings, add Agent Dashboard text, and turn on the Agency Dashboard.

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Allow agents to make agency payments

With the advanced setting allow-agents-to-make-agency-payments, clients can enable all agents associated with an agency to make payments using the agency’s sweep account, whether or not an agency is listed as an agent’s primary agency. 

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Agent portal – Options settings

In BriteCore’s settings, you can configure the Agent portal to suit your needs. In the Options settings section, you can select a variety of settings to customize the Agent portal setup.

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Agent portal – Payment settings

In BriteCore’s settings, you can configure the Agent portal to suit your needs. In the Payment settings section, you can select what an agent must include when submitting a policy and any exclusions that apply.

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Policies module-specific settings overview

In BriteCore, the Policies module has the following categories of module-specific settings: Policy Lifecycle, Options, Contacts, Policy Numbers, Terms, CAT Data, Fees, Accounts Receivable, Processing, and Attachments.

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Agent portal: New Accounts Receivable screen

The Agent portal now displays a new version of the Accounts Receivable screen. The Agent portal Accounts Receivable screen update is consistent with recent Accounts Receivable updates in the Provider Administrator portal. The new Accounts Receivable screen provides additional features, enhanced usability, and a modern look.

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Renewal line item utility

In quotes, the renewal line item utility removes the manual process required to add or change a coverage that is applicable to all policies during renewal. The utility reduces efforts to manually locate and update all of the policies from requesting agencies.

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Add an underwriting rule for renewal only

You can create underwriting rules for renewal only that allow users to add new coverages and change existing coverage limits during the automatic renewal process. When the rule is triggered, the change will always be effective based on the effective date of the new term.

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Policy go to

With the Policies advanced setting policy-go-to, you can set access to policy at the agent or agency level.

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Send commission reports (statements)

Commission reports are generated at the beginning of each month and capture the commission earned for the previous month’s business. Commission reports can be sent electronically or by mail.

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Revert to Inherited

All entities with an Overridden inheritance status can re-establish the inheritance connection with the parent product, meaning the data will be updated to be the same as the parent product.

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Enable carrying a payment method across policy terms

By default, changes made to a previous policy term’s payment method and/or billing schedule don’t carry over to the next policy term. To enable carrying forward the changes made to the payment method and/or billing schedule, use the store-pay-method-across-terms advanced setting. 

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Agency portal: Application submission status

The Application submission status feature allows clients to provide more than one unbound option for an agent to choose from when the agent submits an unbound application. The unbound options are customizable and can clarify why the application is submitted unbound and if payment is required.

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Use unbound options

The use-unbound-options advanced setting can be used to display multiple unbound options on the Submit screen of an application/quote in the Quote wizard.

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Risk querying

Sometimes, in calculations, we need to perform some complex operations, such as making decisions by looking into all child risks, returning the sum of bodilyInjury premium across all child risks, or finding out how many child risks exist for a given risk.

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Allow auto-payments on any amount

Clients may choose to use the billing threshold for policies that use manual or one-time electronic payments and not for policies set up on auto-pay. The Always Bill Auto Pay setting allows clients to override the Do Not Issue a Bill If the Amount Due is Less Than setting for policies set up on auto-pay.

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Rate tables overview

Rate tables store the data used to map inputs (data fields, other rate tables, or calculations) to outputs (a rate, factor, or anything else).

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Item limits

Items can have multiple limits, each with one of the following types: per risk, per occurrence, or policy aggregate.

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Track major minor claims

The Track Major/Minor Claims setting in Settings > Modules > Claims controls whether or not the Major/Minor Claims box appears in Policies > Processing and whether or not the Major/Minor Claims section appears under Loss History in the Property tab of a policy.

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Days in credit

Administrators can define the number of days a credit remains on a policy until it is automatically moved to the Return Premium Queue by enabling the days_in_credit advanced setting.

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Risk types overview

Risk types are collections of data fields, coverages, and rating logic that model a real-world entity like a vehicle, home, or person. 

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Mutual Boiler Re integration overview

Mutual Boiler Re (MBRe), an FM Global Group member, is a mutual equipment breakdown reinsurer that provides a reinsurance solution for commercial, homeowners, farmowners, and service line coverages.

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Default tester email

With the default_tester_email advanced setting in the admin-alerts section, an administrator can set the default email address to which BriteCore will send emails and alerts. This setting affects test site behavior only; test sites don’t typically send emails or alerts.

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Set up claim number (v2)

With the number-engine-version advanced setting, you can turn on claim numbering version 2 (v2), which customize how your claim numbers are written.

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Nightly processing

With the Policies advanced setting nightly-processing you can choose to manually or automatically process InsVista files and deliverables located in Policies > Processing

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OnBase setup

OnBase is a single enterprise information platform for managing content, processes, and cases. In BriteCore, you can export and import documents using an FTP server OnBase uses.

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Generate notice of underwriting cancellation

The generate-notice-of-underwriting-cancellation advanced setting triggers BriteCore to automatically generate the Notice of Cancellation deliverable when a policy is canceled with the word Underwriting appearing under Cancellation Reason.

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Multi-policy discount

A multi-policy discount can be applied when an insured has two or more active policies. Linking these policies allows BriteCore to track multi-policy discount eligibility. Checks for multi-policy discount eligibility are performed during the renewal of a policy.

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Manage claim and exposure tags

Claim and exposure status tags are created and managed within the Tag Maintenance screen under System Admin. Tags are used to provide additional information about the claim or exposure file, similar to the various statuses used in Classic Claims.

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Manage rules for BriteClaims

Rules created for roles plus claim/exposure status are established and managed in BriteRules. System Administrators have the ability to manage BriteClaims rules in BriteRules.

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Establish user roles for BriteClaims

Roles, claim/exposure status, and associated permissions determine what a user can view and access in BriteClaims. Before users can access BriteClaims, you must set up roles, set up users, and include users.

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Enable Google Drive

Google Drive offers cloud-based storage for your policy and claim files, which can be automatically retrieved, uploaded, and stored in BriteCore.

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IVANS setup

IVANS Download automates the information exchange between BriteCore, the insurer’s policy administration system, and the insurer’s agency management system.

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Add, edit, and archive notes – BriteClaims

The ability to add, edit, and archive notes depends on your user role and claim status. You can only add, edit, and archive a note when you access the Notes section from an FNOL, a claim file, or an exposure file. You can’t add, edit, or archive a note when you accessed the Notes section from the Claims Home screen.

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Dropbox setup

Dropbox is a file hosting service that offers cloud storage, file synchronization, and client software. In BriteCore, the Dropbox integration is a disaster recovery solution in the event you must print your deliverables offsite.

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PNC Lockbox overview

PNC is a bank that provides financial services to BriteCore customers, such as PNC Lockbox. PNC Lockbox processes mail-in payments for carriers.

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PNC Lockbox setup

PNC is a bank that provides financial services to BriteCore customers, such as PNC Lockbox. PNC Lockbox processes mail-in payments for carriers.

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eDatabase setup

Since eDatabase is client-coded, the documentation is available only to clients with access. Clients with access can find the current documentation in the codebase.

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ISO A-PLUS overview

The ISO A-PLUS integration provides property and casualty underwriters with valuable information. A-PLUS furnishes insurance companies’ property and liability claims data for evaluating property/casualty insurance underwriting.

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Update to IVANS eDocs daily email

The IVANS eDocs service is intended to build and upload generated XML files to the IVANS servers. When using eDocs, you receive a daily IVANS-eDocs file uploaded email, which includes a file with PDF details and a transaction code. We have added additional fields so the data is similar to the IVANS Policy Download file.

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Claims Activity log

Claims adjusters, supervisors, and auditors want the ability to view the history of a claim to see how the claim evolved. The Claims Activity log provides a record of activity that occurs on a claim from FNOL to when the claim is closed. 

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Billing reports

BriteCore offers eight out-of-the-box reports pertaining to billing as summarized in the below table. The reports are accessed in the Reports module. 

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BriteAPI Tutorial: Endorse, renew, and cancel policy transactions (Classic)

BriteCore offers a fully headless policy administration system used to execute core processes such as rating, underwriting, binding, issuing, endorsing, canceling/rescinding cancelation, reinstating, and renewing policies.
This tutorial walks you through the Britecore Classic API endpoints handling policy transactional services to create your own policies dashboard.

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Set up combined billing

If an insured has multiple policies, those policies can be linked. When policies are linked, a cover sheet will print providing an overview of the amount due across all policies.

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Billing permissions

In the Provider Administrator portal, you can use the BriteCore permissions framework to make the Claims Accounting screen is read-only for selected roles and to remove all Delete buttons from all Policies Accounts Receivable records.

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Set up rewrite billing

When a policy is rewritten, billing activity isn’t automatically moved from the old policy to the rewritten policy. Settings exist to automate billing on rewrites.

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Set up Minimum Earned Premium

Minimum Earned Premium (MEP), aka Minimum Retained Premium, is the smallest amount of money an insurance company is willing to accept for writing an insurance policy. A setting allows clients to define a minimum amount of earned premium.

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Understand commissionable action

When paying commissions on paid premium, the presence of a payment does not necessarily guarantee a commission payout. Because fees are not considered commissionable, the percentages of payments thought to be applied to fees can’t be considered commissionable either.

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Commissions setup

In BriteCore, commission payments are issued to either agencies or agency groups and are paid on either paid or written premium.

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Payables

BriteCore tracks three payables: claim payments, commission payments, and return premiums.

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Mutual Boiler Re setup

Mutual Boiler Re (MBRe) is a mutual equipment breakdown reinsurer that provides a reinsurance solution for commercial, home, farm, and service line coverage.

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Sweep report show all

An agent can view and print a Sweep Report that displays all sweep payments made by that agent. With the sweep-report-show-all advanced setting, an agent can view a print a Sweep Report, which displays all sweep payments submitted throughout the agency.

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Suppress billing suggestion

With the suppress-billing-suggestion advanced setting enabled, an agent can submit a full premium sweep payment on a policy that isn’t set up on an annual billing schedule, without receiving a message that suggests the agent change the billing schedule.

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Auto submit sweep queue

By default, when an agent adds a sweep payment to the Sweep Queue, the agent must select Submit Sweep to submit the sweep payment for processing. With the auto-submit-sweep-queue advanced setting, sweep payments added to the Sweep Queue will be processed automatically in overnight processing, without requiring agents to select the Submit Sweep button. With this advanced setting, you can also choose to set a grace period, which means a certain number of days, indicated by the grace period, must pass before the sweep payment will process in overnight processing.  

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Allow sweep payments in billing setup

With the allow-sweep-payments-in-billing-setup advanced setting, you can enable the Agency Sweep account to display as a Payment Method option in the Billing Setup tab of the Accounts Receivable screen.

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Agent payment amount zeroed

With the agent-payment-amount-zeroed advanced setting, you can choose to zero the Amount field when an agent is entering a sweep payment on the Schedule Sweep screen. Changing the Amount field to zero forces the agent to enter the payment amount of the sweep payment. 

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Set up sweep payments

Agents can make sweep payments from the Payments module of the Agent portal. In the Payments module, you can make sweep payments from the Schedule Sweep screen. Staff can also complete sweep payments from the Accounts Receivable screen of a policy within the Provider Administrator portal.

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Customize installment fee by payment method

BriteCore now provides the ability to customize installment fees by payment method in a billing schedule via the customize installment fee by payment method feature. Setting different installment fees per payment method, such as ACH, credit card, or manual/cash, can be used to incentivize customer enrollment in auto-pay. Previously, this was accomplished by creating multiple billing schedules.

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LexisNexis credit tiers setup

Credit tiers determine how credit scores in specific ranges should be reported. You can define credit tiers by effective date, state, and policy type. You can add labels to credit tiers that will appear in place of the credit score, such as Poor or Excellent, and you can restrict credit tiers.

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Riskmeter setup

RiskMeter allows underwriters and agents to determine the Distance-to-Shore, FEMA Flood Zones, State Windpool Eligibility, Storm Surge, and Distance-to-Fault lines (over 30 reports available) for any property in the United States.

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LexisNexis C.L.U.E. setup

The LexisNexis C.L.U.E. (Comprehensive Loss Underwriting Exchange) integration provides property and casualty underwriters with valuable information. C.L.U.E. furnishes insurance companies’ property and liability claims data, which is used in evaluating property and casualty underwriting.

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HazardHub setup

HazardHub is the only third-generation provider of property-level hazard risk databases. Their team translates voluminous geospatial digital data into easy-to-understand answers, providing risk assessments that can be used to make real-world decisions.

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ISO credit scoring setup

Through strategic alliances with leading credit information services, ISO Passport provides easy access to critical consumer-credit information by generating credit reports containing addresses, collections, employers, inquiries, public records, and trade accounts.

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ISO A-PLUS setup

ISO’s A-PLUS is a valuable information source for property and casualty underwriters. A-PLUS furnishes insurance companies’ property and liability claims data, which is utilized in the evaluation of underwriting of property/casualty insurance.

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Delete a payment

You can delete payments from three locations within BriteCore:  Daily Cash Receipt screen, Payment Log screen, and Accounts Receivable screen of the policy. By default, when you delete a payment, BriteCore will treat the payment and policy like the payment never occurred, which could cause the policy to enter Cancellation Pending, Non-Payment of Premium or could automatically cancel the policy. Due to BriteCore’s default behavior, it is recommended that you only delete payments from within the Accounts Receivable screen of the individual policy.

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AIR Integrations setup

AIR Worldwide, a Verisk Analytics company, provides software and catastrophe modeling to help companies manage risk from natural catastrophes, terrorism, cyber-attacks, and pandemics. BriteCore offers two integrations with AIR products: AIR Touchstone and AIR Hazard Service’s Flood Zone API.

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Mark a payment as non-sufficient funds (NSF)

While you can mark a payment as NSF from the Payment Log, it is recommended that you mark a payment as NSF from the Accounts Receivable screenwithin the individual policy. When you mark a payment as NSF, BriteCore will treat the payment as if it never occurred. BriteCore will use the Due Date and Cancel Date of the outstanding invoice to determine the course of action.

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View inbound payments

You can view inbound premium payments on a policy’s Accounts Receivable screen or in the central Payment Log queue, located in Policies > Payments

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Research declined payments

An electronic payment may be declined by a vendor if the information entered is incomplete or incorrect. If a payment is declined, a note will be created in the policy’s Notes screen. You can view the note to learn why the payment was declined. 

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Bypass duplicate payments check

With the bypass-duplicate-payments-check advanced setting, you can allow the system to bypass the default behavior of checking for and declining duplicate electronic payments. In the event that you need to re-attempt an electronic payment due to a slow response time or system error, it can be helpful to bypass the duplicate payment check so you can accept a payment made on the same policy for the same amount within a 48-hour period. 

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Halt payment processing

With the halt-payment-processing advanced setting enabled, you can stop Daycron payment processing functions from occurring. These functions occur overnight. 

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