Commercial lines
Commercial submissions are more variable than personal. The mechanical work, ACORD generation, loss-run processing, SOV extraction, is exactly what AI is good at. The judgment work, risk evaluation, market selection, layering, stays with your producer.
- Coverage: BOP, GL, WC, commercial property; direct API integrations with NEXT, biBERK, Great American.
- Mechanical work: ACORD form generation, loss-run extraction, SOV row extraction, payroll-audit reconciliation.
- Judgment work: risk evaluation, market selection, layering, large-account underwriting, these stay with your producer.
- The split: AI compresses the data-entry portion of commercial; the producer's hours go to the higher-judgment work.
Where commercial submissions bleed time
- ACORD form generation. A multi-line submission can require ACORD 125, 126, 127, 130, 140, and 175, hours of form-filling.
- Loss-run processing. Carriers send PDFs; agencies need to extract claim dates, perils, paid amounts, and loss ratios into structured data.
- SOV extraction. Multi-location commercial property submissions include schedules of values with addresses, occupancy, square footage, construction type, and replacement values, sometimes hundreds of rows.
- Payroll audits. WC carriers run audits against payroll data; agencies reconcile against producer reports.
How AI handles each
ACORD generation. Sonny reads the source documents (loss runs, prior dec pages, SOV, application notes) and outputs filled ACORDs ready for carrier submission. The producer reviews and signs.
Loss-run processing. Sonny extracts claims-history rows from carrier PDFs into structured data. Loss run handling is one of Sonny's higher-confidence tasks.
SOV extraction. Multi-row tables get parsed into structured location data. The producer reviews property-by-property; the typing is gone.
Payroll audits. AI reconciles carrier-side audit reports against agency payroll inputs and surfaces variances for review.
Frequently asked questions
For BOP and small-business commercial property, yes, direct integrations with NEXT, biBERK, and Great American support parallel submission. Larger or more complex risks typically require wholesaler engagement and longer underwriting cycles; sunsure handles the document and ACORD work but the carrier interaction is human-mediated.
ACORD forms, loss runs, SOVs, prior commercial dec pages, payroll audit reports, supplemental property questionnaires.
AI prepares the submission packet, ACORDs, loss runs, SOV, and surfaces it for the producer to send to the wholesaler. The wholesaler relationship and negotiation is producer-driven; sunsure removes the document-prep step.