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UnderwriteIQ v3.0
Commercial P&C Underwriting Suite
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Company Research Underwriting Profile

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SAFER / DOT FMCSA Carrier Lookup

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OSHA_LOOKUP inspection & violation search

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Product Recalls CPSC Product Safety

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LOSS_RUN_ANALYZER parse & summarize claims

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supports: PDF, CSV, TXT, XLSX
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Code Lookup NAICS · SIC · GL · WC Reference

TypeCodeDescription

Flood Zone FEMA NFHL Designation

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Zone Reference
A, AE, AH, AO, AR, A99 — High risk (100-yr floodplain). Flood insurance required.
V, VE — High risk coastal (100-yr + wave action). Flood insurance required.
B, X (shaded) — Moderate risk (500-yr floodplain). Flood insurance recommended.
C, X (unshaded) — Minimal risk. Flood insurance optional.
D — Undetermined risk. No flood hazard analysis performed.

Distance to Coast Nearest Shoreline

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Wind Deductible Reference
0-1 miles — Tier 1 coastal. Named storm / wind deductibles typically 5% of TIV.
1-5 miles — Tier 2 near-coast. Wind deductibles typically 2-5% of TIV.
5-15 miles — Moderate wind exposure. Deductibles may be 1-2% or flat dollar.
15-25 miles — Reduced coastal exposure. Standard wind deductibles may apply.
25+ miles — Inland. Typically standard deductibles, no named storm trigger.

Calculators Underwriting Math

premium calculator
loss ratio calculator
experience mod impact
coinsurance penalty
pro-rata cancellation / endorsement
short-rate cancellation
commission calculator
premium difference
pro rata factor

COVERAGE_GLOSSARY insurance acronyms & terms

EMAIL_TEMPLATES broker & underwriter comms

Subjectivity Tracker Outstanding Items

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