Risk Review | Underwriter’s Workbench

Emerald Coast Constructors, Inc.

Ready for underwriting

Brokerage Casualty · AQ-2026-BC48B2C4 · 94007— Excavation

Technical hazard

4/5

AI hazard grade

Opportunity

business attractiveness / 100

Appetite

Refer

guideline view · advisory

Pricing

GL $110,458–$110,458

Primary General Liability · Previous AI estimate · Primary component · Low confidence · evidence changed; reassess · not a package total

Confidence

57 %

AI confidence · guides your review

Core assessment is ready. Loading supporting evidence, pricing, market, and audit details…

The saved worksheet or source facts changed after this risk assessment. Save and reassess the package before relying on this recommendation.

AI underwriting recommendation · advisory

Request more information

High signals prevent action as submitted: the $1,000,000 excess attachment is missing; no independently verified loss runs or period rows are available; multiple scheduled classes lack authoritative exposure allocation; and scheduled High-hazard wrecking is not explained by the narrative. Request the specific items listed above, then refer the completed account for senior review of the excess structure and construction classifications. The primary AQUA ISO GL indication may be retained as a provisional technical anchor but is not a bindable quote.

Submission readiness Preliminary

The broker expressly requested clearance and stated that more information would be provided closer to the effective date. The file is not decision-ready because verified loss runs, class allocations, excess attachment, underlying terms, and key operational details remain outstanding.

Primary

Refer pending verified loss runs, class-level exposure allocation, and confirmation of the actual excavation, grading, wrecking, and subcontracted operations. The AQUA ISO GL indication is a useful rating anchor, but primary terms should be conditioned on appropriate construction, demolition, subcontractor, and completed-operations controls and on confirmation of the $1,000,000/$2,000,000/$2,000,000 limits used by the engine.

Excess

Refer. The requested $1,000,000 excess limit is within the general book profile, but the attachment is absent and the underlying auto, employers liability, and employee benefits liability terms are incomplete. Scheduled High-hazard wrecking, excavation severity, missing loss runs, and unresolved class allocation require senior review and a confirmed attachment before any excess indication.

Review missing information and broker questions → Your underwriting judgment governs. Use Record decision to accept, adjust or override this recommendation.

Information gaps9

Conflict themesLoading…

Requirements9

Next actionRequest information

Decision-driving risk signals

High · Excess attachment and retained limit missing

The excess layer cannot be priced or evaluated for severity, exhaustion, or follow-form gaps until the attachment, underlying limits, aggregates, and forms are confirmed.

High · Multiple physical construction classes without allocation

Require a class-by-class exposure allocation and operations confirmation. The AQUA indication must remain provisional and cannot be treated as a confirmed quote basis.

High · No independently verified loss runs

Do not treat the account as loss-free or experience-rated. Obtain current, independently verified loss runs and reconcile the source markings before quoting or binding.

High · Scheduled wrecking exposure is unconfirmed

Refer the excess structure and confirm whether wrecking is actual, incidental, subcontracted, or a schedule error; confirm no ball-and-chain or implosion methods before proceeding.

Moderate · Application identity records require reconciliation

Reconcile the legal entity and application records before binding so the primary and excess policies attach to the same insured.

What needs resolving

1 item blocks a quote.

0% reviewed · 0 of 13

Risk assessment

Overview Account-level risk viewExcavation · Emerald Coast Constructors, Inc. is a Florida general contractor performing commercial renovations, residential renovations, and occasional single-family home construction. The submission also schedules carpentry, excavation, grading, wrecking, executive supervision, and subcontracted construction exposures. It reports 4 full-time employees, $10,000,000 in gross sales, $1,200,000 in payroll, 30% subcontracted work, and $150,000 paid to subcontractors. Listed subcontracted trades include plumbing, HVAC, electrical, roofing, and insulation.

Operations: Emerald Coast Constructors, Inc. is a Florida general contractor performing commercial renovations, residential renovations, and occasional single-family home construction. The submission also schedules carpentry, excavation, grading, wrecking, executive supervision, and subcontracted construction exposures. It reports 4 full-time employees, $10,000,000 in gross sales, $1,200,000 in payroll, 30% subcontracted work, and $150,000 paid to subcontractors. Listed subcontracted trades include plumbing, HVAC, electrical, roofing, and insulation.

Preliminary, referral-level contractor risk: one Pensacola location supports $10,000,000 sales and $1,200,000 payroll from commercial renovations, residential renovations, and occasional single-family construction. Excavation and grading are reported, while a wrecking class is scheduled; these create meaningful collapse, utility, third-party property damage, and completed-operations severity. Thirty percent subcontracting and $150,000 of subcontract cost add transfer and certificate risk. Site-safety controls, demolition methods, subcontractor insurance, and payroll allocation are not evidenced. AQUA’s $110,458 primary indication uses all payroll as class 94007, not a confirmed allocation. No period loss runs are supplied, and the $1,000,000 excess has no attachment or retained limit. The account fits construction appetite, but these gaps prevent a bindable decision.

Hazard rationale: This is an elevated physical construction exposure with excavation, scheduled wrecking, public access to renovation sites, subcontracted trades, and significant completed-operations potential. The grade could increase if active demolition, structural work, or more hazardous excavation methods are confirmed.

Material risk signals driving the recommendation

High · Excess attachment and retained limit missing

A $1,000,000 GL excess limit is requested, but the attachment or retained limit is blank. Underlying GL, automobile liability, employers liability, and employee benefits liability are listed without complete underlying terms.

The excess layer cannot be priced or evaluated for severity, exhaustion, or follow-form gaps until the attachment, underlying limits, aggregates, and forms are confirmed.

High · Multiple physical construction classes without allocation

The schedule includes carpentry, excavation, grading, wrecking, executive supervision, and subcontracted construction classes. Most exposures are marked INCLUDED with no class-level payroll or total-cost amounts, and the printed P basis conflicts with authoritative payroll or total-cost bases.

Require a class-by-class exposure allocation and operations confirmation. The AQUA indication must remain provisional and cannot be treated as a confirmed quote basis.

High · No independently verified loss runs

The reconciled account reports no populated individual claims or loss amounts and an ACORD no-such-claims statement, but no period-level carrier loss runs or valuation dates were supplied. The source review also records a difference in the no-such-claims marking between the primary and excess materials.

Do not treat the account as loss-free or experience-rated. Obtain current, independently verified loss runs and reconcile the source markings before quoting or binding.

High · Scheduled wrecking exposure is unconfirmed

Class 99986 Wrecking is included although the narrative describes renovations and construction without describing demolition methods. Dellwood guidance grades this class High, specifies a preferred attachment point of 5 and maximum capacity of 5, and calls for confirmation of methods and surrounding exposures.

Refer the excess structure and confirm whether wrecking is actual, incidental, subcontracted, or a schedule error; confirm no ball-and-chain or implosion methods before proceeding.

Moderate · Application identity records require reconciliation

The primary and excess application materials record different FEIN values for the named insured, creating an entity-identification inconsistency.

Reconcile the legal entity and application records before binding so the primary and excess policies attach to the same insured.

Moderate · Executive-supervisor and carpentry classifications require duty confirmation

Classes 91580, 91340, and 91342 are scheduled, but no payroll allocation or duty description establishes which employees are qualifying executive supervisors, residential carpenters, or broader carpentry workers.

Confirm duties and allocate payroll before final classification or pricing; do not divide qualifying 91580 payroll with another class.

Moderate · Subcontractor transfer and cost-based rating unresolved

Thirty percent of work is reported as subcontracted and $150,000 is reported as paid to subcontractors, but certificates, adequacy standards, and residential-versus-commercial cost allocation are not supplied.

Obtain subcontractor insurance and contract controls and rate the qualifying work on the appropriate total-cost basis; uninsured subcontracted work must be rated under the applicable operation.

Attention Principal hazards and controls6 high-severity findings · controls and gaps6 hazards

Excavation and grading around commercial and residential construction projects Severe severity Operations

Finding status

Severity Severe · Frequency Moderate

Controls evidenced: Excavation is answered yes and excavation/grading classes are scheduled. No excavation-specific control program is evidenced.

Control gaps: Confirm utility locating, trench and excavation protection, competent-person oversight, spoil setback, site access control, and whether work is self-performed or subcontracted.

Review supporting evidence

Scheduled wrecking or demolition operations Severe severity Operations

Finding status

Severity Severe · Frequency Low

Controls evidenced: Class 99986 is included on the schedule. No demolition method or project profile is provided.

Control gaps: Confirm whether wrecking is actually performed, methods used, proximity to occupied or adjoining structures, dust/debris controls, and specifically whether ball-and-chain or implosion methods are used.

Review supporting evidence

Construction and renovation work on occupied or existing commercial and residential premises High severity Operations

Finding status

Severity High · Frequency Moderate

Controls evidenced: The submission identifies commercial renovations, residential renovations, and occasional single-family construction.

Control gaps: No written site-safety program, hot-work controls, fall protection, housekeeping procedures, public separation, or completed-project quality controls are evidenced.

Review supporting evidence

Subcontracted plumbing, HVAC, electrical, roofing, and insulation work High severity Operations

Finding status

Severity High · Frequency Moderate

Controls evidenced: Thirty percent of work is reported as subcontracted, with $150,000 paid to subcontractors and the principal trades identified.

Control gaps: Certificates of insurance, additional-insured/indemnity requirements, subcontractor qualification, and adequacy standards are not evidenced.

Review supporting evidence

Construction defects and products-completed operations High severity Products

Finding status

Severity High · Frequency Low

Controls evidenced: Products/completed operations coverage is contemplated in the rating context and the work includes renovations and new single-family construction.

Control gaps: No quality-control, inspection, warranty, water-intrusion prevention, or project closeout procedures are evidenced.

Review supporting evidence

Construction vehicles, material transport, and jobsite automobile exposure High severity Auto

Finding status

Severity High · Frequency Moderate

Controls evidenced: Automobile liability is listed as underlying insurance for the excess request.

Control gaps: No vehicle schedule, hired/non-owned exposure, driver controls, or underlying automobile terms are supplied.

Review supporting evidence

Loss signal Loss-run assessmentNot established from period evidence loss trend: InsufficientData · evidence review required3 flags

Loss periods supplied Unknown not stated

Incurred to expiring premium Unknown not computable

Average incurred per claim Unknown not computable

Share still in reserve Unknown not computable

Claim frequency Unknown not computable

Loss trend Unknown not established

No period-level loss rows were established for this submission, so no trend can be computed from evidence.

Loss period	Claims	Paid	Reserved	Incurred
No period-level loss rows were established for this submission, so no year-by-year series is asserted.

Each row is one loss period resolved to the named loss-run document and page it was printed on. A period set aside from the trend comparison is named in the computed analysis above.

Red flags

High No independently verified loss runs or policy-period rows were supplied, so frequency, severity, trend, and reserve development are unknown.
Moderate The reconciled no-such-claims statement is not a substitute for carrier loss runs, and source review records different markings in the primary and excess materials.
Low The reported claim count of zero is scoped to the submitted materials and cannot be treated as lifetime loss-free experience.

Interpretation and how this was computed

AI assessment narrative

No period-level loss experience was supplied. An ACORD no-such-claims statement is reported, but the risk cannot be experience-rated without independently verified loss runs.

Trend · no period comparison establishedInsufficientData

Years reviewed0

Frequency (AI)No frequency can be calculated because no policy-period loss rows or independently verified loss-run period count were supplied.

Severity (AI)No severity can be calculated because paid, reserved, and incurred loss totals are not supplied. The reported claim count of zero is not treated as a verified clean record.

Open-claim concern (AI)Unknown; open-claim status and claim-level reserves were not supplied.

Extraction summary

No individual claims or loss amounts are populated in the supplied loss-history tables. The ACORD 131 page 9 includes a checked "NO SUCH CLAIMS" statement. This does not substitute for independently verified loss runs.

How the computed trend was reached

No period-level loss rows were established for this submission, so no trend can be computed from evidence.

Open questions

No loss history was supplied.
Loss trend not established: No period-level loss rows were established for this submission, so no trend can be computed from evidence.

Research and decision

Market context Comparable policiesSupporting details: Loading…Loading…

Portfolio context only—not a pricing basis. Comparable bound policies show where Dellwood has written similar class and geography across business units.

No comparable policies were returned.

Portfolio signalUnavailable

Location signal Risk area crime contextSupporting details: Loading…Loading…

Source: BestPlaces. Crime scores are anchored to ACORD premises ZIPs and surrounding ZIPs, grouped by city for easier review. Select a ZIP to open its source page. Context only—not a standalone eligibility rule.

Selected-radius crime context

No ZIPs with a crime score were found within 2.5 miles of insured ZIP 32514.

Risk location map 2.5-mile radius per premises ZIP · No map points available within 2.5 miles.

No risk ZIPs with score context were found.

Location signalUnavailable or not established

Decision drivers Why write it / why not5 favourable · 6 concerns5 / 6

AI-identified considerations for and against writing the account. Weigh them with your own judgment.

Favorable factors

The operation is within the stated construction focus of the primary and excess casualty books.
Reported sales of $10,000,000 are well below the excess guidance’s typical $250,000,000 revenue profile.
Only 30% of work and $150,000 of subcontract cost are reported as subcontracted, rather than a wholly subcontracted operation.
The public-source package verifies the entity and generally confirms commercial and residential general contracting operations.
No individual loss amounts or open claims were populated in the submission, although this remains unverified without loss runs.

Guideline concerns

Class 99986 Wrecking is graded High with a preferred attachment point of 5 and maximum capacity of 5; methods and surrounding exposures must be confirmed.
Classes 91340, 91342, 94007, 95410, 91580, and 91585 require payroll or total-cost bases that are not allocated in the schedule.
Class 91585 applies to adequately insured subcontracted construction work and requires total cost, not a generic P exposure.
Class 91580 is limited to qualifying executive supervisors and does not apply to personnel directly in charge of daily construction operations.
The excess attachment, retained limit, underlying limits, and follow-form terms are not provided.
No independently verified loss runs were supplied.

Carrier guideline evaluation

94007 · Excavation — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 1026; version 3.5.25
91340 · Carpentry - construction of residential property not exceeding three stories in height — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 972; version 3.5.25
99986 · Wrecking - buildings or structures - Not Otherwise Classified — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 1219; version 3.5.25
91580 · Contractors - executive supervisors or executive superintendents — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 987; version 3.5.25
91585 · Contractors - subcontracted work - in connection with construction, reconstruction, repair or erection of buildings - Not Otherwise Classified — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 992; version 3.5.25
95410 · Grading of Land — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 1045; version 3.5.25
91342 · Carpentry - Not Otherwise Classified — NotEstablished
Review the approved class guidance.
Effect: Human review is required before relying on class authority.
Source: Excess Liability Underwriting Guide by GL Class Code v3.5.25.xlsx; Classification!row 974; version 3.5.25

Coverage and pricing

Worksheet Coverage and pricingPrimary General Liability · Previous AI estimate · Primary component · Low confidence · evidence changed; reassess · not a package totalGL $110,458–$110,458

Selected coverages

GL — Both

Submitted request: GL; requested layer: Both. This summarizes the submitted request, not carrier appetite or quote authority.

Submitted terms and coverage assessment

Submitted GL limits

Requested participation: Not established · Full layer: $1,000,000 · Underlying limit: Not established

Each occurrence: $1,000,000 · General aggregate: $2,000,000

Products / completed operations aggregate: $2,000,000 · Personal / advertising injury: $1,000,000

Damage to rented premises: $100,000 · Medical payments: Not established · Deductible: $5,000

Extracted from the submission. These primary limits are separate from our excess limit and underlying limit.

Schedules and premiums

Review the coverages below, adjust the values, and save.

Primary GL rating · Needs inputs · edit classes and exposures

View classification alternatives and evidence

Underwriter decision required

Classification confirmation scenarios

Excluded from premium total

These ISO GL classes are plausible based on the submitted operations, but the file does not establish the fact that distinguishes them. Confirm the operation and class-compatible exposure before selecting a class or using its premium.

91583AI alternative

Contractors - subcontracted work - in connection with building construction, reconstruction, repair or erection - one or two family dwellings

ISO rating basis: Total Cost
Required evidence: total cost
Provisional rate: $3.802
Premium: Pending confirmation and exposure

Why unresolved: The submission reports commercial renovations, residential renovations, and occasional single-family construction with 30% subcontracted work and $150,000 subcontract cost, but no allocation by residential versus commercial subcontracted work. 91585 is the general building alternative; 91583 applies if the subcontracted portion is one- or two-family dwelling work. Confirm scope before selecting.

AQUA ISO GL rating engine

Each occurrence Products/Completed Ops General aggregate Deductible

Schedule results0 of 8 rated

Total indicated premium$0

Commission17.5% commission

Location	Class	Exposure	Rate	Premium
1	91583 (AI suggested)	Missing: total cost	$3.802	Pending inputs
1	91340	—	—	Needs information
1	91342	—	—	Needs information
1	91580	—	—	Needs information
1	91585	—	—	Needs information
1	94007	—	—	Needs information
1	95410	—	—	Needs information
1	99986	—	—	Needs information
Total indicated premium				$0

Show ISO rating-basis details

Location	Class	ISO rating basis
1	91583 (AI suggested)	Total Cost
1	91340	Payroll
1	91342	Payroll
1	91580	Payroll, Products/Completed Operations are included
1	91585	Total Cost
1	94007	Payroll
1	95410	Payroll
1	99986	Payroll, Products/Completed Operations are included

8 schedule line(s) require additional information because their class-specific basis or exposure is incomplete.

Technical indications returned by AQUA ISO GL for the source-backed location schedule; subject to underwriter validation.

View estimated premium breakdown (1 ACORD locations)

1 ACORD location(s) and 8 source-backed class/exposure line(s) extracted; 0 technical premium indication(s) produced. Lines are ordered by ACORD location, then class.

No location-level premium indication was produced. The ACORD details remain available for review.

Location 1 · Class not provided
Basis: Total Cost · Exposure: not provided · Rate: $3.802

Estimated premium: $0

Location 1 · 91340
Basis: Payroll · Exposure: not provided · Rate: not available