The file
Northbridge Holdings plc (fictional) submits for renewal of its primary D&O layer: proposal form, audited financials, loss run and a note on a recent acquisition. All data in this walkthrough is synthetic.
What the engine found
The loss run shows a notification that the proposal form does not disclose. Revenue has fallen against the prior year's submission, and the acquisition adds US securities exposure.
What the underwriter received
A recommendation to renew with an increased retention, the material finding cited to its source documents, appetite, authority and regulatory checks passed, and the file referred for sign-off.