Recent topics

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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Commit revisions

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

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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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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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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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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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Verisk iiX integration overview

iiX, a Verisk Analytics company, offers ISO Motor Vehicle Reports (MVR) service. The ISO MVRs are used to write auto property damage lines of business. MVRs provide information about drivers, such as age, license status, and previous incidents.

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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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Accounts Receivable UI updates

BriteCore’s updated Accounts Receivable user interface provides additional features, enhanced usability, and a modern look, while still offering the same great functionality.

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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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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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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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Set up Accounts Receivable screen

The default behavior for Accounts Receivable always shows Total Paid to Date as a positive balance. In the rare event of a refund larger than what has been paid on the policy, BriteCore has a setting that will show the accurate Actual Paid to Date to reflect negative numbers.

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Set up rewrite billing

When a policy is rewritten, billing activity is not 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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Preserve or regenerate billing schedules

BriteCore allows clients to update the billing schedules on their policies. When a change is made to the billing schedule, the Preserve/Regenerate selection only occurs within the Provider Administrator portal. This means only client administration and not the insured or agent see the popup box.

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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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Set up voided return premium

Clients can display a Void button on return premiums that have been exported from BriteCore. When voided, a line appears through the return premium transaction, a note is written on the policy, and the credit is added back to the account.

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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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Issue a return premium to the carrier

There are cases when a return premium must be issued to the carrier. For example, while transitioning onto BriteCore, money may have been applied to the incorrect processing system. In this case, issue the return premium to the carrier, rather than the insured, and apply money to the correct processing system.

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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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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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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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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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Lexis Nexis Credit Scoring setup

The Lexis Nexis’s National Credit File (NCF) provides online consumer credit reports to insurance carriers. The financial history of the applicant 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 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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Lexis Nexis C.L.U.E. setup

The Lexis Nexis’s C.L.U.E. (Comprehensive Loss Underwriting Exchange) is a valuable information source for property and casualty underwriters. C.L.U.E. furnishes insurance companies’ property and liability claims data, which is utilized in the evaluation of underwriting of property/casualty insurance.

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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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Print renewal and endorsement declarations for a policy

When making a change to a policy on the same calendar day a revision (new or renewal) is generated and endorsed, you want the endorsement declaration to accompany the renewal declaration. Administrators can enable the always-print-endorsement-docs advanced setting to ensure both forms print.

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Set up notifications for renewal failures

When BriteCore can’t automatically renew a policy, an email will be sent to designated recipients. To use, add designated recipients to the Processing Errors section in Settings > System Wide > Administrative Alerts > Processing.

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Administer data converted policies

When a client transitions onto 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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Straight-through processing (STP)

Straight-through processing (STP) allows agents to automate the submission and review process for applications that meet underwriting requirements and conditions. When engineers code rules, applications that meet requirements are automatically committed and their policy status is set to Active. Otherwise, the policy status is set to Submitted, pending underwriter review and approval.

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e2Value setup

e2Value is a leading provider of web-based insurance-to-value (ITV) software. General and BriteCore setup instructions are provided.

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Munich Re Inland Flood Coverage setup – Extra

Munich Re has a personal lines policy endorsement, Munich Re Inland Flood Coverage, for insurance companies who want to help their policyholders manage their flood risk more economically. BriteCore’s policy management system integrates with Munich Re Inland Flood Coverage for personal lines including Homeowners and Dwelling Fire.

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Munich Re Inland flood coverage setup

Munich Re has a personal lines policy endorsement, Munich Re Inland Flood Coverage, for insurance companies who want to help their policyholders manage their flood risk more economically. BriteCore’s policy management system integrates with Munich Re Inland Flood Coverage for Homeowners and Dwelling Fire lines.

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Hartford Steam Boiler setup

The Hartford Steam Boiler Inspection and Insurance Company (HSB) is a specialty reinsurer for the following coverages: Home Systems Protection (Homeowners Equipment Breakdown), Service Line – Identity Recovery, Farmowners and Commercial Equipment Breakdown, Employment Practices Liability, Data Breach, and CyberOne.

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ISO Motor Vehicle Report setup

Verisk’s analytics company, iiX, offers an ISO Motor Vehicle Reports (MVR) service. The MVR service allows users to obtain MVRs from all 50 states, the District of Columbia, and select Canadian provinces. BriteCore’s ISO Motor Vehicle Reports integration functions similarly to its integrations with ISO Loss History and ISO Credit Scoring.

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InsVista setup

InsVista notifies mortgagees, lien holders, and loss payees of any relevant policy changes. BriteCore sends InsVista a daily HO file for policy changes on any line of business and a BG file for billing.

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Inspections vendor integrations

BriteCore integrates with various vendors that provide additional value-added services. Client relationships with vendors are independent of BriteCore. Clients have separate contracts and costs associated with each vendor.

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Auto vendor integrations

BriteCore integrates with various vendors that provide additional value-added services. Client relationships with vendors are independent of BriteCore. Clients have separate contracts and costs associated with each vendor.

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Address policies that timeout when rating

Large policies have three backend calls that often won’t finish before the NGINX timeout. When a user attempts to rate a policy and a timeout occurs, a BriteCore engineer needs to rate the policy using bin scripts.

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Manage agency billing

Agency billing is used when the agency is responsible for billing the insured. This occurs when an agency is a wholesale agency or a surplus lines producer. BriteCore supports wholesale agencies, or agencies using agency billing, by sending invoices to the agency rather than the insured.

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Set up single sign-on (SSO)

BriteCore provides single sign-on (SSO) solutions, so you and your users can log in to your system or website, and access the BriteCore system without having to log in separately. 

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StoneRiver setup

StoneRiver is a line of business accounting software. BriteCore produces return premium, claim payment, and commission payment files to import into StoneRiver.

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SunGard setup

SunGard is a ledger software from which clients track and issue checks. While BriteCore produces financial transactions, clients can’t create or issue checks within BriteCore. Instead, BriteCore sends data to SunGard to track and print return premium and claim checks.

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Plum Voice setup

Plum Voice powers interactive voice response (IVR), which includes call routing, messaging, and voice communications for customers. With BriteCore, payors can check account balances and apply credit card or ACH payments to policies by calling a specific telephone number.

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Microsoft Dynamics setup

Microsoft Dynamics NAV is a global enterprise resource planning (ERP) solution that provides small and midsize businesses greater control over their financials and can simplify their supply chain, manufacturing, and operations.

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Acord AL3 setup

BriteCore supports AL3 files. ACORD, which implements AL3, requires users to sign in for more information on AL3 files on their site. AL3 messages handle the transmission of insurance information such as policies and claims.

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Set up a limit threshold

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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Set up processing error notifications

Clients can receive notifications for processing errors. Some of the errors are specific to, and therefore documented with, specific workflows. For example, notifications specific to the renewal workflow are documented with that page. This page documents notifications that apply to both new and renewal business workflows.

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IVANS UI support to build and upload files

Clients can create new file folder names in IVANS by enabling the IVANS eDoc Build Tool. A new UI access was created for two new support tools which allow manual eDocs creation and upload of an eDocs file by the XML file name.

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Add policy renewal term – policy number

Britecore provides an advanced setting, append-policy-term-suffix-to-quote-numbers, that quickly shows you the number of times a policy has been renewed. The system identifies the number of renewals by adding a two-digit suffix—a term number—beginning with -00 to the end of policy numbers.

This enhanced policy numbering scheme allows you to search based on any part of the policy number.

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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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Policy lifecycle parameters

This setting in the Policy Lifecycle area is only accessible during setup, before the site is live. BriteCore can enable this setting via the database, but it’s not something normally done after the site enters production. There may be unforeseen consequences of making this change and we recommend testing this change thoroughly in a test environment.

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Set up keep the agent on the same screen while quoting

By default, when new business is quoted in the policy wizard users are directed to separate screens to add and rate property and policy coverages. A setting allows users to stay on the same page while adding coverages by making those screens popups, or modals, rather than separate screens. 

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Set up custom new business workflow (Policy Wizard)

This articles details efforts related to per-client customization on the policy wizard. The audience for this document is anyone that needs to interact with these new mechanics at a code level and anyone interested in knowing the new capabilities in more details.

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Set up agents’ ability to upload files

By default, agents can’t upload files to in-force or canceled policies from the Agent portal. You can change the default setting so that an Upload Files button is visible on the Attachments screen of each policy in the Agent portal.

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Set up agent logins

There are three methods for assigning logins to agents: conversion method, manual method for staff, and agent-initiated method.

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Set up agent access to policy notes

By default, agents can’t see policy notes. You can allow agents to view all notes for a given policy within the policy’s Notes tab. The setting applies to the Policies module only and provides view-only privileges; agents can neither create note alerts nor add, edit or delete notes.

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Prepare for long holidays

In BriteCore, you can prepare for holidays in several ways: Review Calendar settings, add a new holiday, assess Non-Pays settings, and assess Non-Renew settings.

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Quality assurance

Quality assurance (QA) is an integral component of our change management process. The Solution Architecture team outlined a detailed pull request process that includes several review checkpoints. Detailed checklists inform and guide each review stage.

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Code contribution: How do I get started?

In some cases, particularly for nonstandard uses of BriteCore, you may want to modify the underlying source code. BriteCore operates in a Community model, where contributed code is merged into our master branch for all customers to use.

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Pull Request Code Review and Continuous Integration

BriteCore’s Solution Architecture team outlined the Pull Request (PR) for all partner and client PRs targeted towards the master branch in the BriteCore repository.

The goal is to provide partners developers, client developers, and other third-party developers with timely responses on their PRs with minimal disruption to the Product teams’ normal workflows.

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Set up electronic payment rules

Policy status, user role, and settings determine if an electronic payment can be made. If you can’t make an electronic payment, a message will appear on the screen, notifying you that the electronic payment can’t be made.

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Set up electronic payment notifications

When one-time or recurring electronic payments occur, notification of certain situations can be helpful, such as notification of underpaid policies, duplicate payments, and declined payments. You can set up notifications in the Provider Administrator portal for these instances and for others.

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Disable editing for the FEIN/SSN field

As insurance contracts are legally binding, it’s important that the entity with an insurable interest is correctly identified throughout the policy lifecycle. The setting disable_fein_ssn_for_active_policy disables the FEIN/SSN, which prevents those values from being changed once a policy is set to active (but not necessarily committed).

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Policies: New business quoting

The new business workflow has undergone two major iterations. The first iteration led to what clients who went live prior to 2017 are using, known as legacy quoting or BriteQuote. The legacy quoting offered minimal customization and was difficult to change due to technology constraints. In 2017, work began on a custom UI that offered new clients the ability to easily customize the entire quoting process within the Agent portal. This transition to the custom UI spec project was research and development with implementation. As a result, customizing a client’s quoting experience is still a work in progress.

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Policies: manuscript endorsements

Manuscript endorsements refer to custom coverages, often with a custom name and rate. This type of custom insurance coverage is typically written from scratch for specific events or assets tailored to the insured, such as an annual training conference or annual county fair.

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Prevent multiple open revisions (endorsements)

By default, BriteCore allows users to independently initiate revisions (endorsements) on different dates without issuing them. To prevent this behavior, use the prevent-creation-of-multiple-open-revisions-simultaneously setting. With the setting enabled, the system safeguards against users from inadvertently creating duplicate endorsements.

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Policies: Endorsements

An endorsement is an amendment or change to a policy. Within BriteCore, endorsements are also referred to as revisions. While typical commercial insurance contains general coverage, BriteCore allows the flexibility for clients to build almost any endorsement they would like to offer, from Coverage A to custom coverages like manuscript endorsements.

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Generate bill for remaining balance on term (pre-cancellation)

A billing agent can generate an invoice (deliverable) for an insured with the remainder owed on a policy before it goes into cancellation pending for non-payment. The current system, Edit & Reprint, will generate the full invoice amount of the total premium, while Payoff Balance Summary will provide the remaining balance.

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Set up printing options

You have several different options for setting up printing: Print by Policy Number, print by Policy Number, print by Deliverable Type, or print by defined batches using deliverables grouped by Policy Number and Recipient.

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Restrict application printing for incomplete quotes

The validate_application_before_print advanced setting restricts application printing for incomplete quotes. When enabled, agents and agencies are required to complete all of the required fields on a policy prior to selecting Print Application on new policy applications.

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Remote printing options

BriteCore clients should have a plan for continued business operations during critical events or circumstances that may impact their standard operating procedures. To help our clients’ employees carry out their duties, we have outlined the printing options BriteCore offers. These options will help clients minimize business interruption, allowing their customers to receive their insurance documents as expected.

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Remote billing options

BriteCore is set up for billing operations to continue while working remotely. Billing setup, billing schedules, and billing invoices won’t be impacted by transitioning to remote work. Collaborate with named insureds on transitioning to remote payment methods: auto-pay, online pay, or mobile pay.

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Underwriting enforcements

BriteCore has six categories of underwriting enforcements: Geographical Restrictions, Product Offerings, Enterprise Knockout Questions, Step Specific Rules, Underwriting Questionnaire, and Straight Through Processing.

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Set up credit scoring

A BriteCore client can use SSN or address to obtain a credit score. If SSN is not collected, there are cases where prior address is required in order to obtain the credit score. For example, in the event that the insured has not been in a residence a requisite number of days, a trigger can require the prior address. The features in this document facilitate the gathering of prior address information.

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Manage automatic payments

You can manage automatic payments by setting up the auto-pay deliverables, changing the withdrawal date for policies on auto-pay, and removing policies from auto-pay. 

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Automatic payment overview

Recurring automatic payments can provide you and your clients with peace of mind when payments are automatically drawn on or near the initial, installment, or renewal due date. 

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System tag use cases

Since System Tags are so flexible in BriteCore, there are many possible use cases when you will want to add a system tag to a line item.

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Set up and use mortgagee extensions

Clients can add an extension to cancellations to accommodate mortgagees. When used, BriteCore will report a cancel date of X more days via InsVista to the mortgagee. BriteCore, however, will still process the policy on the original cancel date. In other words, BriteCore processes the policy as if there is no extension. The extension is reported to the mortgagee through InsVista only.

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Send correspondence

Clients can send emails to any email address of their choosing from an individual policy via the Email Information Related to Policy button.

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Edit a revision date

When making changes to an existing policy, you can edit the effective date before you commit the revision by selecting Edit Revision Date. You can correct the effective date of a pending revision if you entered an incorrect effective date.

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Archive or delete a revision

Clients can archive or delete revisions. A tool exists to archive or delete revisions from the interface, access to which should be limited to the client’s project lead.

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Premium records

Written, earned, and unearned premiums are calculated on a daily basis. To determine the premium, divide the written premium by the number of days in the term. Premium record calculations display for each day the policy is in force. These calculations are accessed on the Accounts Receivable screen of every policy.

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Common batch errors

When you add information to a batch manually or through a .csv file, it is possible to encounter errors. Errors can occur based on inaccurate policy numbers or invoice codes, discrepancies in the Amt. Owed and Amt. Paid columns, and missing information. 

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Allow pay submitted policies

When a mortgagee or title company issues payment based on a submitted application before the application becomes a committed and active policy, the payment needs to be accepted. With the allow-pay-submitted-policies advanced setting, you can allow payments to be applied to submitted policies.

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Debug error popup

The debug-error-popup advanced setting replaces the default stack trace error page with a dialog to view the full error or accept.

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Brand classic BriteCore

Classic BriteCore can be modified to reflect a company’s branding by adding a favicon, customizing BriteCore emails, and applying a custom typeface.

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Manage deposit and payment receipts

When you enter manual (check, money order, cash) payments on the Daily Cash Receipt screen, the payments will populate in a list below the Check, Money Order, and Cash sections. When you create a deposit receipt for these payments, BriteCore will automatically clear the list of payments and generate a deposit receipt document. When the deposit receipt is generated, BriteCore will also automatically generate payment receipts for each payment listed on the deposit receipt.

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Rate Capping

Rate Capping allows a carrier to cap a renewal rate change at each renewal until reaching the approved rate level. Carriers can cap a rate change at a maximum percent increase (or decrease) or a set dollar amount. The amount at which the renewal will be capped is calculated as a percentage of the previous term premium, minus any natural increases, new coverages, or properties manually added to the policy on renewal.

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Mass Printing integration overview

MassPrinting is a leading provider of document output solutions to the insurance industry. MassPrinting works closely with your internal team to provide a personalized outsourcing solution for the printing and mailing of your policyholder communications.

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Mass Printing setup

MassPrinting integrations take an average of one to three months, based on the complexity of the implementation and other variables. Implementation can be conducted remotely with no impact on the implementation timeframe.

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Create batch payment

You can group inbound payments together to aid in more efficient processing. In BriteCore you can batch manual payments in the Provider Administrator portal. You can enter a batch by referencing the policy or invoice number, the system will pull information from the invoice.

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Quickbooks setup overview

QuickBooks is an accounting software developed and marketed by Intuit. The free Quickbooks add-on, the Web Connector (QBWC), is a third-party application that exports data from BriteCore to QuickBooks.

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Create an IWSWebSvc.qwc file

When setting up the QuickBooks integration, clients will need to contact BriteCore to create an IWSWebSvc.qwc (IWS Web Service) file for their BriteCore-QuickBooks transactions.

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Inbound payments overview

BriteCore accepts manual and electronic payments. Manual payments are check, cash, or money order and electronic payments are ACH or credit card. Manual payments are entered by a user or through the File Transfer Protocol (FTP) upload method. Electronic payments are made through integration with third-party vendors.

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Claim and exposure status

Throughout the claim lifecycle, the status of a claim and the associated exposures will change. Claim status, exposure status, and role-based permissions can dictate what users can see and do within the claim and exposure. 

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Upload files

In the Provider Administrator portal you can upload new files in Attachments. In the Agent portal, you can upload new files if the advanced setting agent-display-file-attachment-button is set to True.

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Change the billing due date on single and linked policies

Insureds may need to change the billing due date to better accommodate their needs. For example, if an insured is paid once per month, on the first day of the month, the insured may need to change the due date to the 1st of the month. If an insured receives Social Security on the 23rd of the month and has a fixed income, the insured may need to change the due date to the 23rd of the month.

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Add a custom deliverable

In custom deliverables, you can create documents that cover use cases not included in the stock deliverables. This tutorial walks you through adding a custom deliverable.

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Agent portal: New Accounts Receivable screen

BriteCore provides agents with additional features, enhanced usability, and a modern look with the new Accounts Receivable screen in the Agent portal. The new Agent portal Accounts Receivable screen is consistent with recent Accounts Receivable screen changes in the Provider Administrator portal.

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OBRIEN Insurance Solutions integration overview

OBRIEN Insurance Solutions has 45 years of experience in managing policyholder communications for insurance companies. Outsourcing with OBRIEN will yield cost savings, increase capabilities and efficiencies, and automate processes, so you can focus on creating and delivering value for your customers.

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ImageRight filename format configuration

If a client wants to use ImageRight and requires a different filename format for deliverables other than the default, the format can be made configurable via vendor settings. A setting will hold a JSON string that includes a Python string with named placeholders, allowing target_deliverables to define the individual types of files that can be sent for a client.

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ImageRight setup

The ImageRight content management and workflow solution is the leading provider of insurance-focused content management, enterprise workflow, and business intelligence solutions.

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Titanium Blizzard setup

Titanium Blizzard is a Windows application that enables you to print BriteCore deliverables on a local printer. The application is maintained by BriteCore.

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Add or edit fault information

During the investigation period of a claim, the adjuster will need to determine and record the fault of each vehicle. You will find the Fault section when you access the Vehicle Details screen of a vehicle.

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Agent dashboard text

The Agent Dashboard Text setting enables you to customize the A message to our Agents box that agents see when they log into BriteCore. The setting supports HTML and inline JavaScript and CSS.

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Classic deliverables core concepts

BriteCore’s Classic deliverables include numerous stock deliverables and enables custom deliverables that have the same look and feel as stock deliverables, but can be customized using HTML/Jinja. You can also fully customize a document.

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Stock deliverables overview

BriteCore provides a set of approximately 25 stock deliverables that cover basic insurance documents like declarations, billing statements, notices of cancellation, etc. These are static; the ability to customize them is minimal.

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BriteDocs core concepts

BriteDocs is responsible for create, read, update, and delete (CRUD) operations on deliverable templates, which define the content and presentation of a document.

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Select invoice due date for single and linked policies

You can add a specific due date for the month within the billing schedule so insureds who are paid once per month or receive subsidized income can select the billing date that works best for them. You can choose a due date for a policy and you can generate the chosen due date for selected linked policies.

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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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Authorize.Net setup

In BriteCore, you can set up an Authorize.Net account, enable the Authorize.Net integration, turn off Test Mode, and access additional resources.

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Stripe destination account

BriteCore clients using Stripe can now use the Stripe Connect Platform Account, allowing them to have a centralized list of customers and leverage the destination charges feature to transfer charges to connected accounts.

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Check for potential duplicate claims

BriteCore now provides logic to prevent duplicate claim entry in the Agent portal. Previously, duplicate claims could be created if a policyholder reported a claim through BriteApps and an agent created a claim for the same loss. With the Potential Duplicate Claim feature, when a potential duplicate claim is entered, the Potential Duplicate Claim dialog box will display this warning message: Please check to see if the loss you’re attempting to report is a duplicate of one of these previously reported claims.

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Potential duplicate claim workflow

To prevent duplicate claim entries, BriteCore will search the system to identify potential duplicate claims when you create a claim in the Agent portal. After selecting the loss date and time in the first notice of loss (FNOL), BriteCore will automatically search for any additional claims filed on the same policy from one day before the entered loss date to one day after the entered loss date.

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IVANS eDocs setup (NxTech)

The IVANS eDocs integration works alongside the IVANS Downloads (NxTech) integration. The IVANS Downloads integration compiles and exports an XML file containing information about policy changes that occurred on a given day.

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SunGard integration overview

SunGard is a ledger software that you can use to track and issue checks. Functionality The integration allows BriteCore to export financial transaction data to

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StoneRiver PTE integration overview

StoneRiver PTE is accounting software you can integrate with BriteCore. Note: StoneRiver PTE is now Sapiens Financial GO. Functionality With the StoneRiver PTE integration, BriteCore produces

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Underwriting rules: Property to Policy Wide scope

In Classic Rules clients, you can create underwriting rules with the trigger in the Property section and the effect in the Policy Wide section of the quote. When you create rules with this new scope, they’re applied to the underwriter enforcer (automatic renewals), the admin builder, and both versions of the quoting wizard.

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Quickbooks integration overview

QuickBooks is accounting software developed and marketed by Intuit. The free Quickbooks add-on, the Web Connector (QBWC), is a third-party application that exports data from

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E2Value XML/Modal

Replacement cost estimation is a key component of most carriers’ underwriting process, particularly for habitational risks, such as homeowners and dwelling fire. It’s used to determine how much dwelling coverage (typically Coverage A) is required to fully replace the structure in the event of a total loss. e2Value provides web-based property valuation services.

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Rating overview

In BriteLines, rating is performed by taking the details about a risk type (fields, items, rate tables, and calculations) and details about a quote (risks, field answers, chosen items) and combining them to determine each item’s premium, limits, and deductible.

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Rate Preview overview

The Rate Preview feature allows you to create Scenarios to test and validate rates directly in BriteLines. Product configuration changes are immediately available for testing.

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Credit Tier Ranks

Currently, the credit score in the builder is a combined credit score relying on the Multiple Credit Scores setting. Since No Hit and No Score are non-numeric, you can’t use them when combining any of the stored tiers. In such cases, the system would automatically use the default credit score, which is numeric. You can find the default credit score in Vendor settings.

We established logic to differentiate between the No Hit and No Score factors because, in some rating schemes, they use a factor not used on any numeric credit score, which leads to an incorrect rating when using the default score.

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Configuration overview

The line(s) of business (LOBs) and location(s) that an agency and/or agent can write business for are configured within the Configuration tab of the Contacts

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Classic Quotes overview

The Quotes module provides a dynamic interface for agents and other stakeholders 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.

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Enabled gen 3 modules

When a BriteCore site uses BriteLines, BritePolicies, BriteClaims, BriteDocs, BriteRules, BriteAccess, or BriteNotes, the enabled_gen3_modules advanced setting makes those modules available upon selecting the corresponding UI icon instead of the Classic BriteCore module counterparts (if applicable).

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Manage tags

In the Tag Maintenance screen, you can add and edit tags that will appear in the tag dropdown list of the claim file header and the exposure file header.

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