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Service Specification Stub
Quote & Policy Check (E&O Guard)
Compare renewal policies against expiring terms and flag every change. Catch silent deductible increases and limit errors before binding.
Page Architecture & Implementation Outline
Errors & Omissions (E&O) claims are one of the greatest liabilities for commercial agencies. This page details our automated discrepancy detection system.
1. What Our Comparison Workflow Audits
- Limits & Sub-limits: General aggregate, per occurrence, and sub-limits (e.g. catching when a $1,000,000 limit prints as $677).
- Deductibles & Retentions: Verify deductibles across all schedules (e.g. flagging when a deductible is quietly raised from $5,000 to $10,000 at renewal).
- Forms & Endorsement Schedules: Identification of newly introduced restrictive endorsements, exclusion additions, or changed conditions.
- Named Insureds & Locations: Complete verification of entity spelling, added DBA names, and scheduled locations.
- Premium & Surcharges: Rate changes, state taxes, stamping fees, and installment schedule variances.
2. Difference Report for Your Licensed Team
- Executive discrepancy summary highlighting coverage changes and term variances.
- Side-by-side view showing the expiring policy terms alongside incoming renewal quote terms.
- Clear proposal documentation ready for producer presentation.
3. Workflow Integration in Applied Epic
- Audit reports indexed automatically as an Epic attachment under the renewal policy line.
- Task activity created notifying the assigned licensed account manager.
- Audit history of checks, timestamps, and reviews.
4. Human Verification & Producer Sign-Off
- Quantana operations specialists review all algorithmic flags before delivering the report.
- Your licensed agent retains final sign-off authority prior to binding.