NextAmp — UW Review

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The Rusty Anchor Bar & Grill

Restaurant CGL · ISO 58021 · Coastal Insurance Partners · SUB-2026-04471

Received 2h 14m ago

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Broker Questions

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Required — must ask before quoting

What % of gross revenue is from alcohol sales? Is a separate liquor liability policy in force?

RequiredAlcohol Revenue Breakdown

▶ Rule & source

Rule: IF serves_alcohol = TRUE

Describe the entertainment programme: type, frequency, peak occupancy, cover charge, dance floor dimensions.

RequiredLive Entertainment

▶ Rule & source

Rule: IF live_entertainment = TRUE AND occupancy > 150

Signal-driven

Google shows 2am closing Fri/Sat — application states midnight. Confirm actual closing time.

SignalAI Assist · Online

▶ Source

Describe security: licensed officers on peak nights, cameras, ID verification, last-call policy.

SignalSemantic · Security

Missing fields

Provide delivery revenue % or confirm no third-party delivery platforms are used.

Missingdelivery_revenue_pct

▶ Source

What is the reason for the market change from the prior carrier? Was coverage cancelled, non-renewed, or is this a new venture?

RequiredPrior Carrier Disclosure

▶ Rule & source

Rule: reason_for_market_change = BLANK

Please provide the name and contact for the building landlord so we can issue an additional insured endorsement prior to binding.

RequiredAdditional Insured — Landlord

Please provide a complete 3-year loss run from the prior carrier. The submitted loss run covers only 2 years.

SignalLoss Run Completeness

Does catering involve transporting food or staff in vehicles? If so, please confirm whether employees use personal or business-owned vehicles for off-site catering events.

SignalHNOA Exposure

Please confirm the indoor seating capacity (number of seats) for rating purposes.

Missingseating_capacity

ACORD 125 shows off-premises catering unchecked but the submission references catering at 8% of revenue. Please clarify whether the insured conducts off-premises catering events.

SignalCross-field · Catering

Please describe the March 2023 slip-and-fall claim — circumstances, location, and what corrective action was taken to prevent recurrence.

SignalOperations · Loss Narrative

Communications

Submission Activity

Complete audit trail for this submission

Mar 22, 2026 · 10:30 AM

UW note added — J. Martinez

Broker confirmed 42% liquor is accurate. Comfortable proceeding.

Mar 22, 2026 · 10:14 AM

Quote generated — $14,820 annual premium

Requested from rating engine · 5 binding conditions attached

Mar 22, 2026 · 9:45 AM

All pre-quote items cleared

3 of 3 blocking items resolved · Quote generation unlocked

Mar 21, 2026 · 4:20 PM

Broker response received — Coastal Insurance Partners

SIA processed: 2 questions answered, 1 document attached (hood suppression cert)

Mar 21, 2026 · 2:30 PM

Questions sent to broker — 6 questions via email

Auto-sent (AI confidence ≥ 90%) · Template: Missing Information Request

Mar 21, 2026 · 2:15 PM

UW note added — J. Martinez

Initial triage — strong account, 6yr track record. Hood suppression cert outstanding.

Mar 21, 2026 · 2:12 PM

Agent findings generated — 4 findings

Bar/Nightclub Concept (flag), Google Business Hours (late night), Yelp Crowding Reviews, Instagram Social Evidence

Mar 21, 2026 · 2:10 PM

Rules evaluated — 3 blocking, 6 flagged, 18 passed

Liquor refer band (42%), prior carrier question, loss run < 3yr. 6 items flagged for review.

Mar 21, 2026 · 2:08 PM

Enrichment completed — D&B, TABC, Health Dept

Entity verified · Liquor licence active · Health score 86/100 · No adverse news

Mar 21, 2026 · 2:05 PM

Documents extracted — ACORD 125, ACORD 126, Supplemental CGL, Loss Run

28 fields extracted · 2 low confidence · 1 missing (delivery revenue)

Mar 21, 2026 · 2:02 PM

Assigned to J. Martinez — Standard Queue

Routing rule: Standard Restaurant — Round Robin

Mar 21, 2026 · 2:00 PM

Submission received — via Outlook inbox

From: Coastal Insurance Partners · Re: The Rusty Anchor Bar & Grill — New Business CGL

Request Quote via Rating Engine

Rating Parameters

Fields being passed to the carrier rating engine. Review before requesting quote.

FieldValueConfidence

Named InsuredThe Rusty Anchor Bar & Grill99%

Annual Revenue$1,240,00097%

Liquor Revenue %42%95%

Max Occupancy18098%

Live EntertainmentTRUE — Fri & Sat99%

ISO Class Code5802199%

StateTX99%

Years in Business698%

Prior Claims (3yr)1 — $8,500 settled97%

Delivery Revenue %Not declared — defaulted 0%—

Catering Revenue %8% (email reference)62%

Requested Limits$1M / $2M99%

Effective DateApril 1, 202699%

⚠ 2 fields passed with low confidence or estimated values. Premium may require adjustment if corrected.

Conditions on this quote

The following must be resolved before binding. These will appear on the quote document.

① Confirm separate liquor liability policy or attach LL endorsement Endorsement

② A&B sublimit endorsement ($100K per occurrence) required at binding Endorsement

③ Hood suppression certificate — NFPA 96 compliant, dated within 12 months Document

④ Additional insured endorsement — Harbor View Properties LLC Endorsement

⑤ 3-year loss run or written confirmation of <3 years operation Document

Ready to quote

All blocking items resolved. Review the rating parameters on the left, then request quote from the carrier rating engine.

Programme

Restaurant CGL · ISO 58021

Broker

Coastal Insurance Partners

⚠ 6 flagged items unreviewed — document before binding.

Quote Sent — Awaiting Binding Conditions

Mar 22, 2026 · 10:14 AM · Awaiting broker response

$14,820

Valid 30 days · Expires Apr 21, 2026

Binding conditions — 5 pending

3 endorsements — broker confirmation 2 documents — broker submission

PendingConfirm separate liquor liability policy or attach LL endorsementEndorsement

PendingA&B sublimit endorsement ($100K) required at bindingEndorsement

PendingHood suppression certificate — NFPA 96, dated within 12 monthsDocument

PendingAdditional insured endorsement — Harbor View Properties LLCEndorsement

Pending3-year loss run or written confirmation of <3 years operationDocument

SIA monitoring for broker response… Mar 22, 2026 · 10:14 AM

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Processing broker response…

📧 Parsing broker reply email…

🔍 Re-extracting fields from response…

⚖️ Re-evaluating rules against updated data…

✅ Resolving work items with new information…

📊 Generating diff summary…

🕐 Pipeline History — SUB-2026-04471

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Submission receivedMar 19 · 8:14 AM

Coastal Insurance Partners

ACORD 125, supplemental app, loss run, COI. $1M/$2M GL · Texas · $1.24M revenue.

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Extraction complete — 2 issuesMar 19 · 8:15 AM

Document Extraction Agent

10 fields extracted. 1 missing (delivery_revenue_pct). 1 low confidence (liquor_revenue_pct — inferred at 42%).

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AI Assist complete — 4 findingsMar 20 · 8:04 AM

AI Assist Agent

Google: 2am closing confirmed. Yelp: 2 reviews flagged. Instagram: bar-forward language. Semantic: bar/nightclub concept — high confidence.

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Rules evaluated — 8 blocking, 6 flaggedMar 20 · 8:05 AM

Pipeline · Rules Engine

8 blocking items generated. 6 flagged items. 18 rules passed. 6 broker questions queued.

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Status → In ReviewMar 20 · 8:06 AM

Pipeline · Decision Assembly

Routed to underwriter queue. Assigned to Sarah Jenkins (Specialty CGL).

Compose — Coastal Insurance Partners

3 questions

To: Coastal Insurance Partners

Re: The Rusty Anchor Bar & Grill