NeitClem Nexus — Underwriter Dashboard

Dedicated underwriting workspace. Two-layer Risk Assessment (Location Intelligence from NI-2026-PROJ02 Property Review + Manual UW Evaluation), Premium Worksheet with carrier API integration, and a three-path Formal Decision Module across all four E&S lines.

NI-2026-PROJ01-UW Broker/Underwriter Role Property Review Integration Carrier API — Hybrid Phase 4 — Weeks 14–18

Underwriter Workspace Jan Piere Mindermann — Lead · Angel Endoma — Frontend · Kevin Lamis — API/DB · Naehum Dela Cruz — WebSocket

3-column high-density UW workspace. Left: insurance lines + daily metrics + communication. Center: prioritized UW queue with SLA timers and hazard scoring. Right: submission detail with two-layer Risk Assessment, peer assessment discussion, UW↔Agent DM, UW↔Broker private chat, Premium Worksheet, and Formal Decision Module. Plus a Line Chat slide-over for the full insurance line group.

NeitClem Nexus
Underwriter Dashboard
3 unread 3
JP
Jan Piere
Underwriter
Insurance Lines
Garage Liability
5
Garage Liability Application
Comm. Property
3
Lessors Risk Application
Casualty
2
Excess & Casualty Application
Prof. Liability
1
Special Events Application
Workspace
My Queue
11
Referred
2
Completed
8
Declined
Communication
Line Chat
3
Support
UW Metrics — Today
Avg assess. time 2.3 h
Decisions made 4
Pending queue 11
Referred out 2
Garage Liability  ·  UW Queue
5 submissions · 2 SLA urgent
Live · Socket.io
Springfield Auto Mall
Full Garage Liability · Agent: M. Santos · May 19
$48,500 target
SLA 4h In Review Awaiting Decision
Hazard:
3 — Standard
Metro Fleet Services LLC
Fleet Operations · Agent: C. Ledesma · 5h ago · ACORD attached
$67,800 target
SLA 1h Pending Awaiting Assessment No Property Review
Hazard:
Not assessed
Pacific Auto Group
Dealership · Agent: J. Fontilla · May 20
$31,200 target
In Review Referred to Senior UW
Hazard:
4 — Above Standard
Riverside Collision Center
Body Shop · Agent: R. Fontilla · May 18
$32,200 target
Complete Approved
Hazard:
2 — Below Standard
Eastside Tire & Auto
Repair Shop · Agent: J. Fontilla · 30m ago
$18,400 target
New Pending Awaiting Assessment
Hazard:
Not assessed
Springfield Auto Mall — Full Garage
Garage Liability · Agent: M. Santos · Carrier: Markel · $48,500 target · SLA 4h remaining
Risk Assessment
🔒 Premium WS
🔒 Decision
Messages 2
Broker Chat 1
Location Intelligence — NI-2026-PROJ02 Property Review
✓ Linked · 742 Evergreen Terrace
Fire Protection
Class 3
0.4 mi · 3.2 min
Wildfire / WUI
Zone B
Moderate · 5.8/10
Flood Zone
Zone X
Minimal risk
Crime Grade
B+
Below city avg
Year Built
1978
Wood frame · 1,840 ft²
Climate Risk
Fire 5.8
Wind 4.4 · Heat 6.2
Hazard Score System-suggested · UW editable
3 — Standard · +10% premium load
Suggested from: WUI Zone B (+1) · Climate fire 5.8/10 (+1) · 1 signal pt total → Score 3
⚠ Override reason required if you change this score
Manual Evaluation Layer
Business classification
Occupancy type
Years in operation
Prior carrier
5-Year Loss History
YearClaimsTotal IncurredLoss Ratio
20211$8,20017%
20220—0%
20232$21,40044%
20241$5,60012%
20250—0%
5-yr avg loss ratio: 14.6% · Modifier suggestion: –5%
Red Flag Checklist — Garage Liability 0 of 9 active
WUI Zone High, Very High, or SRA at property address AUTO
Salvage or rebuilt title vehicles in fleet MANUAL
Fleet exceeding 100 vehicles MANUAL
Prior policy cancellation in last 3 years MANUAL
Operations include road testing or valet service MANUAL
Under 2 years in operation AUTO
No prior carrier AUTO
UW Narrative Notes AI Draft ready · Phase 2
Moderate risk profile. 12-year operation with clean loss history (5-yr avg ratio 14.6%). Wood frame construction, 1978, presents standard aging risk. WUI Zone B warrants monitoring but not disqualifying. No red flags active. Recommend approval at standard rate with hazard score 3 modifier.
UW Assessment Discussion Channel UW-1 · Peer review
Angel Endoma (UW)10:05 AM
WUI Zone B at 5.8 is borderline — not triggering the +1 but worth flagging in the narrative. Auto repair shop with no residential adjacency keeps actual fire exposure low despite the zone classification.
You10:12 AM
Agreed. Keeping Hazard at 3 — clean 5-yr history outweighs the WUI signal. Narrative updated to distinguish zone classification from actual structural fire exposure.
In Review · Auto-saved 2m ago
MS
Maria Santos
Retail Agent · Pacific West Agency
Agent · Channel 2
Submission DM — Springfield Auto Mall · GAR-2026-0089 · Private
Maria Santos · 9:30 AM
Good morning! Just checking in on the Springfield Auto Mall submission. Let me know if you need anything else from my end.
You · 9:45 AM
Hi Maria — quick question: can you confirm total fleet count and whether they conduct any off-site road tests?
Maria Santos · 9:52 AM
Total 22 vehicles, all on-site. They have a private test lane on the property — no off-site testing at all. I confirmed that with the owner this morning.
You · 10:01 AM
Perfect. One more — the 2023 claim for $21,400. Was that a customer vehicle or one of their own fleet?
Maria Santos · 10:15 AM
Customer vehicle — paint damage in the lot. They installed an upgraded camera system after that incident. No fleet claims in the 5-year period.
KL
Kevin Lamis
Broker · Routed this submission
Broker · Channel UW-3
UW-to-Broker Thread — Springfield Auto Mall · Private · Not visible to agent
Kevin Lamis · 9:15 AM
Jan — sent this one to you. Clean risk, Markel should take it at standard rates. They wrote a similar account last year at $46K, same WUI zone.
You · 9:22 AM
On it. WUI Zone B is showing — not a hard flag but noting it. What's the fallback if Markel declines?
Kevin Lamis · 9:28 AM
Admiral as backup — they've been aggressive on garage in Springfield this quarter. Lloyd's as last resort but I'd start with Markel. Agent confirmed they've had Markel before, so appetite is there.
You · 9:33 AM
Good to know. Assessment is looking favorable — Hazard Score 3, clean loss record. Decision within the hour.
Kevin Lamis · 9:40 AM
Appreciate it — SLA clock is ticking and agent has been following up.
Garage Liability — Line Chat 7 brokers online
KL
Kevin L. · 9:42
Springfield Auto Mall — Markel will take this at $46K. Anyone want to counter?
AE
Angel E. · 9:44
Agree. Lloyd's passed last month on a similar risk. Markel is the right call.
SLA WARNING — Metro Fleet Services: 1 hour remaining
ND
Naehum D. · 9:51
Metro Fleet — 67K target, clean loss history. Voting up. Who's taking it?
JP
You · 9:53
I'll take Metro Fleet. Assigning Lloyd's now — give me 20 min on the quote after Springfield is done.
New submission via webhook — Eastside Tire & Auto (Garage)
KL
Kevin L. · 10:02
Eastside looks straightforward — small shop, under 10 vehicles. Jan do you want it or should I route to Angel?
Angel E. is typing...
Figure — NeitClem Nexus Underwriter Dashboard  ·  Garage Liability line active · 5 UW queue submissions · 2 SLA urgent · 'Springfield Auto Mall' selected · Risk Assessment tab with UW Assessment Discussion thread (Channel UW-1) · Messages tab — DM with Agent Maria Santos (Channel 2) · Broker Chat tab — private UW↔Broker thread with Kevin Lamis (Channel UW-3) · Line Chat slide-over — Garage Liability group chat (Channel 1) · NI-2026-PROJ01-UW