TABLE OF CONTENTS

MISCELLANEOUS PROFESSIONAL LIABILITY WALKTHROUGH – INTRODUCTION 2

OVERVIEW 2

LOG IN TO COMMERCIALDEMO PROD 2

MASTER COVER 3

SECURITY ROLES 3

MPL WORKFLOW – SUBMISSION STEP 4

GENERAL SCREEN – PHOTO CAPTURE 4

FILE ASSIGNMENT PANEL 4

COMPANY DETAILS PANEL 5

CLAIMS GRID 6

PROFESSIONAL SERVICES SCREEN OVERVIEW 6

PROFESSIONAL SERVICES GRID 7

COVERAGES SCREEN OVERVIEW 8

LIMIT AND RETENTION PANEL 8

ADDITIONAL COVERAGES PANEL 8

PRIOR ACTS SCREEN OVERVIEW 8

PRIOR ACTS GRID 9

MPL WORKFLOW – UNDERWRITING STEP 10

ENDORSEMENTS SCREEN OVERVIEW 10

ENDORSEMENTS GRID 10

MANUSCRIPT ENDORSEMENT PANEL 11

RATING SCREEN OVERVIEW 11

REFERRAL MANAGEMENT PANEL 12

ADJUSTMENTS PANEL 12

FINAL CONSIDERATIONS SCREEN OVERVIEW 14

ADJUSTMENTS PANEL 15

SUBJECTIVITIES APPLIED PANEL 15

MPL WORKFLOW – WORKSHEET STEP 16

UNDERWRITING WORKSHEET SCREEN OVERVIEW 17

GENRAL INFORMATION PANEL 17

SUMMARY OF OPERATIONS PANEL 17

QUOTE OPTIONS 18

QUOTE OPTIONS SUMMARY 18

MPL DOCUMENTATION 19

MISCELLANEOUS PROFESSIONAL LIABILITY WALKTHROUGH – INTRODUCTION

OVERVIEW

This document is to help serve as an information map regarding the Miscellaneous Professional Liability (also known as MPL)

The first section will provide an introduction, Quick Workflow Walkthrough, Master Cover and security role high level information. The next area will go through the Workflow describing each Step/Screen/Panel and their purposes and guide you to understanding how the workflow is configured. There are only three steps to this workflow and one step is hidden without the Underwriting security role. The Underwriting security role configured as your See the Security Roles section for further information.

The next area will describe the Quote Options and an overview of how to use them.

Lastly the Print Document process and which documents to use. Refer to the Table of contents for quick access of each.

If you have any questions or suggestions regarding this document, please contact the Sales Engineering team.

QUICK WORKFLOW WALKTHROUGH

  1. Login using your administrator and click on Miscellaneous Professional Liability policy.
  2. Choose any client.
  3. Add

LOG IN TO COMMERCIALDEMO PROD

Please use https://commercialdemo.oceanwidebridge.com/Logon.aspx?ReturnUrl=%2f to log into the site and access the MPL workflow.

The CommercialDemo UAT site has not been updated with the current changes to the workflow.

Suggest you use the Underwriter login or the Distributor to log in.

MASTER COVER

For Prod, the Master Cover will be set to live. For the UAT environment, the Master Cover will be set to test. Please ensure that you are using the PROD environment for the demos.

Avoid using the Master cover for anything other than to demo. There have been configuration changes that have been updated to make the workflow process run more efficiently and with little error. We have simplified many processes and removed items that were redundant. Therefore, do not make changes or updates as this may affect a process from running smoothly. We encourage any feedback regarding the changes and any suggestions. If you have any other questions, comments or even suggestions, please contact the Sales Engineering Team.

SECURITY ROLES

There are only three different security roles in this workflow that are used. Most of the time, the only two that would be needed for demo, would be Distributor and Underwriter. There is also the assured and can also be used in the demo but will only have read only access to the policies and workflow. If you attempted to create a submission with the assured, the submission will be in Read Only mode. Please refrain from using the Assured for this workflow.

Distributor – The Distributor companies and users have already been created for each of the sales members. The company is labeled by the first three letters of your first name and your last name followed by “Inc.” The security rights are limited to Distributor and Distributor Supervisor combined.

Using the Distributor limits you to issue a quote up to a limit of 5 million in Authority. If you enter more, the Underwriter will have to enter a new approved limit that is above 5 Million.

Once the referral is prompted, you are required to issue quote to the underwriter for approval. The email addresses have also been created for the Distributor users so that you will also receive the email. After the Underwriter approves the quote, you can bind the request and print the Binder document.

Underwriter – This user has the same security rights as an Underwriter and an Underwriter supervisor combined.

This user has the highest level of security and can issue limits up to 20 Million. This user can also approve limits for any distributor using the approved limit field.

Once the user has been requested to approve the quote, the underwriter can go to the quote options and approve any option desirable for the distributor. Once the changes have been made after a referral is required for the underwriter to approve, the underwriter can click on the issue Qiuote option once completed. The distributor user will receive an email approving the qoote.

MPL WORKFLOW – SUBMISSION STEP

GENERAL SCREEN – PHOTO CAPTURE

FILE ASSIGNMENT PANEL

Assign To – Required field, this static field is dsiplayed across the entire workflow to allow the user to change the Underwriter or Underwriter Assistant at any point. Please note – This panel is applied throughout the Workflow. Please refer to this section regarding the File Assignment.

COMPANY DETAILS PANEL

1.  Insured State – Required field, this is an automatically generated field. The State of the client which is also shown in the right widget, once changed, will also populate the state of the client in abbreviation

2.  Revenue – Required field would be best suited as a large number. There is no other association other than this screen.

3.  Professional Experience – Required field and a dropdown. The professional experience choice is reflective on the premium and more experience that is chosen in the dropdown, the less the rate will be.

4.  Years in Business – Required field and a dropdown. The more years that is chosen, the lower the rate and premium will be.

5.  Use of Written Contracts - Required field and a dropdown. The higher the percentage of written contracts, the lower the rate and premium will be.

6.  Quality of Written Contracts –Required field and dropdown. If the quality is high, the rate is lower. Or if the Quality is not applicable the rating would be higher

7.  Legal Review – Required field and dropdown. Whether the submission has been reviewed determines the amount the premium would increase.

8.  Risk Management – Required field and dropdown. There is a Multiplier for each choice and depending on the choice will increase or decrease the premium.

9.  Have you had prior claims in the past 5 years? – Required field and if “Yes” is chosen, will display a grid (responsive disclosure) the amount of claims reported reflects the amount of the Premium and is a direct factor of the rating calculation. The choice does impact the premium and the following is prompted when adding a Claim to the grid.

CLAIMS GRID

The grid is open using the Responsive disclosure function where the panel opens the grid when the choice of the field for “Claims in the last 5 years” field is “Yes”

1.  Loss Type – Required and a dropdown. The list is made up of some of the most common cases of losses for Miscellaneous Professional Liability.

2.  Date of Loss - Required and Date Picker. Only used for data capture.

3.  Amount of Loss – Required and a Decimal Textbox, only used for data capture

4.  Amount Paid – Decimal textbox, only used for data capture.

5.  Description/Comments – Text area for the description of the claim and only used for data capture.

PROFESSIONAL SERVICES SCREEN OVERVIEW

PROFESSIONAL SERVICES GRID

This grid is to add each professional service that will be insured in the policy. Only Professional Services, Percentage of Business Operations, Hazard group are displayed in the Grid. There are two validations that will be prompted if there is no Professional Service entered in the grid or if the services are more than 100 percent

  1. Professional Services – Required field and an advanced lookup. This is the first advanced lookup in the workflow and a great way to show the benefits of using advanced lookups.
  2. Description – Text Area and only used for data capture. This area is to provide explanation of each professional service entered in the grid.
  3. Percentage of Business Operations – Required field and a dropdown. Enter the percentage of the service to be insured.
  4. Hazard Group – Read-only field and populated depending on the type of service to be insured. Each Hazard group number has its associated rate amount and will be reflective in the policy.

COVERAGES SCREEN OVERVIEW

LIMIT AND RETENTION PANEL

  1. Limit – Required field and a dropdown. Enter a limit for the coverage in this feld. The choice will effect the coverage rate and will increase depending on the chosen Limit.
  2. Aggregate Limit - Required field and a dropdown. Enter a Aggregate limit for the coverage in this feld. The choice will effect the coverage rate and will increase depending on the chosen Aggregate.
  3. Claim Retention - Required field and a dropdown. Enter the desired Retention for the coverage in this field. The choice will effect the coverage rate and will increase depending on the chosen retention.

ADDITIONAL COVERAGES PANEL

  1. Prior Acts Date – Date picker, choose a date for the last prior act.
  2. Include Full Prior Acts – Checkbox, if checked will display a new screen Called “Prior Acts” and will be required before binding. The Prior Acts screen will be displayed once you click “Next” or “Save & Refresh”

PRIOR ACTS SCREEN OVERVIEW

PRIOR ACTS GRID

This grid will display the prior acts included with the policy. Three columns will be displayed in the grid from the information in puted. The Prior Acts grid must contain at least one entry if the checkbox was selected prior. A data Validation is included and will be prompted if there are no prior acts entered.

  1. Year – Required field and dropdown. Choose the year from the list.
  2. Carrier – Required field and a dropdown. Enter the carrier for the prior act.
  3. Limit – Required field and dropdown. Enter the limit involved in the prior act.
  4. Professional Services – Include/Exclude, please include any professional Services involved.
  5. Comments – Enter any desired comments.

MPL WORKFLOW – UNDERWRITING STEP

ENDORSEMENTS SCREEN OVERVIEW

ENDORSEMENTS GRID

Currently there is no validation supported for this grid and is strictly used for data capture as the rate is not effected by the input in the grid or the choices selected.

1.  Endorsement – Advanced lookup, displays all the endorsements that are entered for the Miscellaneaous Professional Libility (MPL) There are specific documents that are associated to the Master Cover and are Labeled with “MPL”. Depending on which choice and whether or not the associated has the words MPL, the associated documents shall be available to print and review.

2.  Description – Read only and will populate the description of the associated endorsement chosen in the advanced lookup above.

3.  Comments – Text box and is to enter the descriotion of the endorsement.

MANUSCRIPT ENDORSEMENT PANEL

  1. Title – Textbox, Enter the title of the manuscript endorsement.
  2. Please enter and format wording below – Rich Text, an area to input a description for the manuscript endorsement.

RATING SCREEN OVERVIEW

REFERRAL MANAGEMENT PANEL

PLEASE NOTE - The Underwriting Step and Rating Screen are only available to users that have underwriter rights and will not be available unless the user signed in has that right. Ensure your signed in as a underwriter user before attemtping to navigate to this step or the step will be ignored throughout the submission

Approved Limit – This field is used if the Distributor requires a limit above the allowed amount. Use this field to enter a new value to submit back to the Distributor.

ADJUSTMENTS PANEL

  1. Premium Override – A textbox dcecimal and designed to allow the user to enter and force a premium amount. This is a great tool to demo to override the premium no matter which option is selected. This field effects the rate value.
    Please Note – If a value is entered here, the comments field underneath needs to be populated with text. A data validation will appear advising to enter text if there is no text in the comments box.
  2. Comments – Textbox and data capture for the user to enter the reason for the override. This is required if there is a value in the Premium Override.
  3. Discretionary Debits/Credits – Required field, textbox decimal and default of 1.00 can be changed to whichever value no more than 1.20 and no less than .80. There is a data validation that ensures the value is not outside the allowable range. The value will affect the rating.
    Please Note - If the value is changed within the allowable range, the comments field underneath needs to be populated with text. A data validation will appear advising to enter text if there is no text in the comments box.
  4. Comments - Textbox and data capture for the user to enter the reason for the change. This is required if the value has been changed in the Discretionary Debits/Credits

5.  Territory of Operations - Required field, textbox decimal and default of 1.00 can be changed to whichever value no more than 1.05 and no less than .95. There is a data validation that ensures the value is not outside the allowable range. The value will affect the rating.
Please Note - If the value is changed within the allowable range, the comments field underneath needs to be populated with text. A data validation will appear advising to enter text if there is no text in the comments box.