Commercial Property Submission Automation
Commercial property is the most document-intensive line in specialty insurance: multi-location schedules, engineering reports, loss runs, and valuations arriving in every conceivable format. SnapLine automates property submission processing end to end — from schedule extraction to per-location risk intelligence.
The property submission problem
A single property submission can carry dozens or hundreds of locations, each with construction, occupancy, protection and exposure attributes scattered across documents. Manual processing means hours per submission and inevitable inconsistencies between the schedule, the slip, and the loss runs. The result is slow quotes, missed submissions in the backlog, and pricing built on unverified data.
What SnapLine extracts and checks
Schedules of values are extracted line by line: addresses, occupancy, construction type, year built, square footage, sprinkler status, and insured values, including TIV split across property damage and business interruption. Cross-document validation reconciles the schedule against the slip and flags gaps — missing sprinkler declarations, absent years of construction, values that disagree between documents.
Each location is then enriched: hazard profile, distance-to-protection metrics, modelled value per square foot against declared value, and vacancy indicators. Portfolio-level views surface concentration and the locations that need underwriter attention first.
SnapLine vs generic OCR for property submissions
| Generic OCR | SnapLine | |
|---|---|---|
| Schedules of values | Raw text, structure lost | Line-level extraction with typed fields |
| Insurance semantics | None — text is text | Understands TIV, BI, occupancy codes, MRC structure |
| Validation | None | Cross-document consistency and completeness checks |
| Enrichment | None | Hazards, £/sq ft benchmark, vacancy per location |
| Output | Text dump needing rework | Quote-ready structured record |
Frequently asked questions
Can SnapLine handle large schedules of values?
Yes — multi-hundred-location schedules are extracted line by line with per-field confidence scores, and portfolio views highlight the locations needing attention first.
What property data does SnapLine enrich?
Per-location hazard profiles (flood, wildfire, windstorm, earthquake and proximity factors), valuation adequacy against modelled rebuild cost per square foot, and vacancy indicators.
Does it work for binders and delegated authority books?
Yes. MGAs use SnapLine across bordereaux-driven and open-market submissions alike, with extraction configured to their lines and capacity providers’ requirements.
Related
Submission Intelligence · Submission Ingestion · MGAs · Knowledge Centre
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