List of Policies-related tutorials and documentation.

Recreation of the table of contents from the BriteCore Policies space in the BriteWiki.

By default, policies renew automatically in accordance with a client’s renewal timeline configuration, but you can disable this setting.

Explains how to set up renewal business notices

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.

Clients can manually renew policies by creating a revision with a date equal to the renewal effective date.

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.

Provides an overview of renewals functionality in Policies.

Underwriting questions can be defined and prompted within specific policy types. Underwriting questions can either be global or granular within a line of business.

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.

Clients can restrict how far in the past and future a policy’s effective date can be set while quoting.

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.

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.

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.

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.

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.

Policy numbering exists as a form of account maintenance. Specifically, it is a way to link a policy to a unique ID.

Clients can either direct all emails to a specific set of contacts or direct emails to a specific contact on an agency-by-agency basis.

Summarizes BriteCore’s new business notices and their uses.

Provides various instructions for setting up new business workflow. Please note that the Generation 2 BriteCore Services new business workflow is no longer used with new clients.

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. 

You can show the premium and fees separately when rating a policy.

The redirect-to-wizard-policy-status setting allows clients to identify policy statuses that should open in the policy wizard by default. This setting only affects the Agent portal.

Clients can prevent quotes from automatically changing the lines effective date when a policy’s effective date changes. In other words, when the setting is enabled, quotes are locked to effective dates.

The default-contact-type setting allows clients to set the default contact type as individual or organization.

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.

This page is a catch-all for new business settings that don’t fit well into a specific topic.

Explains how to remove an unwanted quote or application; you can retain the data or permanently delete it.

These new business reports are available out of the box.

Provides instructions to navigate the custom UI by URL.

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).

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.

Clients may need to create an endorsement summary deliverable that displays individual changes to an endorsement when an insured requests a change to the policy contract.

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.

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.

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.

In accordance with their state regulations and business policies, clients can define the number of days a policy is in underwriting cancellation prior to the policy canceling.

In accordance with their State regulations, clients can define the number of days prior to policy expiration a notice of non-renewal must be sent.

Summarizes BriteCore’s cancellation notices and their uses, with examples.

Clients can define their list of cancellation and non-renewal reasons by state and policy type.

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.

Provides notes and steps for rewriting policies.

Explains how to reinstate expired policies.

You can view the location of a property by its geographic coordinates or on a map.

Guidance for setting two settings that display contact information during the quote process.

Explains how to temporarily suspend quoting.

Discusses several features and settings used to modify declarations.

Clients can use BriteCore’s stock declaration or build a custom declaration. This document covers building the stock version.

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.

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.

Explains how to set up a rating worksheet.

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

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.

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.

BriteCore offers out-of-the-box premium reports, accessed in the Reports module.

BriteCore offers out-of-the-box policy management reports, accessed in the Reports module.

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.

Polices core concepts, including revisions and policy statuses.