# Underwriting Support Agent — Complete Synthetic Records and Deterministic Outputs

> **AUTHORITATIVE FIXED SYNTHETIC SNAPSHOT.** Every record below is fictional and copied from the deterministic portable agent. Use only this file, the paired controls file, and the packaged skills. Do not browse, refresh from the current date, infer, enrich, substitute, or invent any fact.

## Source identity

- Portable source: `agents/@aibast-agents-library/financial_services_stacks/underwriting_support_stack/underwriting_support_agent.py`
- Source SHA-256: `0df5e53fe082565ad48d9a80bc35bb141c532a104e0d5c6b9941dcb099adae43`
- Expected tool: `UnderwritingSupportAgent`
- Snapshot behavior: fixed to the packaged source revision; no live connection or current-data claim.

## Complete deterministic source records

The following objects reproduce every packaged identifier, name, value, amount, date, status, rule, threshold, mapping, and relationship used by the agent. Keys and values are exact.

The commercial submission walked through in the demo is `UW-2025-100` (Midwest Manufacturing Inc.) in
`SUBMISSIONS`; it is the default for submission_review, risk_assessment, pricing_recommendation (without an ID),
coverage_structure, compliance_check, and underwriting_summary. Its package premium is the sum of the line premiums
($32,400 + $28,700 + $18,600 + $8,400 = $88,100); the net rate adjustment is multiplicative (0.92 x 1.05 = -3.4%);
5-year incurred losses are $180,000 + $57,000 = $237,000; property TIV $4.2M + $3.4M + $0.6M = $8.2M is within the
$10M underwriter authority. The preliminary risk score 68/100 (Moderate) is a recorded value on a different scale
from the queue risk scores in `APPLICATIONS`.

### `APPLICATIONS`

```json
{
  "UW-2025-101": {
    "applicant": "Riverside Manufacturing Inc.",
    "construction": "fire_resistive",
    "coverage_requested": 5000000,
    "line_of_business": "commercial_property",
    "loss_history": [
      {
        "amount": 125000,
        "status": "closed",
        "type": "fire",
        "year": 2022
      },
      {
        "amount": 18500,
        "status": "closed",
        "type": "water_damage",
        "year": 2023
      }
    ],
    "premium_indicated": 42500,
    "property_type": "manufacturing_facility",
    "protection_class": 3,
    "risk_score": 62,
    "square_footage": 85000,
    "status": "under_review",
    "underwriter": "Patricia Graham",
    "year_built": 1998
  },
  "UW-2025-102": {
    "applicant": "Sarah Mitchell",
    "coverage_requested": 500000,
    "credit_score": 745,
    "driver_age": 34,
    "driving_record": {
      "accidents": 0,
      "violations": 0,
      "years_licensed": 16
    },
    "line_of_business": "personal_auto",
    "loss_history": [],
    "premium_indicated": 2400,
    "risk_score": 22,
    "status": "ready_for_underwriter_review",
    "underwriter": "James Chen",
    "vehicle": "2024 Toyota RAV4"
  },
  "UW-2025-103": {
    "applicant": "Downtown Medical Associates",
    "claims_history": [
      {
        "allegation": "surgical_complication",
        "amount": 450000,
        "status": "closed_record",
        "year": 2021
      },
      {
        "allegation": "misdiagnosis",
        "amount": 0,
        "status": "dismissed",
        "year": 2023
      }
    ],
    "coverage_requested": 3000000,
    "line_of_business": "professional_liability",
    "practitioners": 6,
    "premium_indicated": 67000,
    "risk_score": 75,
    "specialty": "orthopedic_surgery",
    "status": "exception_review",
    "underwriter": "Patricia Graham",
    "years_in_practice": 12
  },
  "UW-2025-104": {
    "annual_revenue": 8500000,
    "applicant": "Harbor View Restaurant Group",
    "business_type": "restaurant_chain",
    "coverage_requested": 2000000,
    "employees": 120,
    "line_of_business": "general_liability",
    "locations": 4,
    "loss_history": [
      {
        "amount": 35000,
        "status": "open",
        "type": "slip_and_fall",
        "year": 2024
      }
    ],
    "premium_indicated": 18500,
    "risk_score": 48,
    "status": "pending_info",
    "underwriter": "James Chen"
  }
}
```

### `UNDERWRITING_GUIDELINES`

```json
{
  "commercial_property": {
    "max_building_age": 50,
    "max_coverage": 25000000,
    "max_loss_ratio": 60,
    "min_protection_class": 8,
    "prohibited_risks": [
      "cannabis_operations",
      "fireworks_storage"
    ],
    "required_inspections": [
      "fire_protection",
      "electrical",
      "roof_condition"
    ]
  },
  "general_liability": {
    "max_coverage": 5000000,
    "max_loss_ratio": 65,
    "min_years_business": 2,
    "required_documents": [
      "financial_statements",
      "safety_program",
      "certificates_of_insurance"
    ]
  },
  "personal_auto": {
    "max_accidents_3yr": 2,
    "max_coverage": 1000000,
    "max_violations_3yr": 3,
    "min_credit_score": 550,
    "min_driver_age": 16,
    "required_documents": [
      "MVR",
      "prior_insurance_dec"
    ]
  },
  "professional_liability": {
    "high_risk_specialties": [
      "neurosurgery",
      "orthopedic_surgery",
      "obstetrics"
    ],
    "max_claims_5yr": 3,
    "max_coverage": 10000000,
    "min_years_practice": 3,
    "required_documents": [
      "CV",
      "board_certifications",
      "claims_history"
    ]
  }
}
```

### `PRICING_MODELS`

```json
{
  "commercial_property": {
    "base_rate_per_100": 0.85,
    "construction_factor": {
      "fire_resistive": 0.8,
      "frame": 1.35,
      "masonry": 1.0
    },
    "protection_class_factor": {
      "1": 0.75,
      "2": 0.8,
      "3": 0.9,
      "4": 1.0,
      "5": 1.1
    }
  },
  "general_liability": {
    "base_rate_per_1000_revenue": 2.15,
    "industry_factor": {
      "construction": 1.8,
      "office": 0.7,
      "restaurant_chain": 1.35,
      "retail": 1.1
    }
  },
  "personal_auto": {
    "age_factor": {
      "16": 2.5,
      "25": 1.3,
      "30": 1.0,
      "50": 0.95,
      "65": 1.05
    },
    "base_premium": 1200,
    "credit_factor": {
      "500": 1.6,
      "600": 1.25,
      "700": 1.0,
      "800": 0.85
    }
  },
  "professional_liability": {
    "base_rate_per_practitioner": 8500,
    "specialty_factor": {
      "family_medicine": 0.6,
      "neurosurgery": 2.8,
      "obstetrics": 2.4,
      "orthopedic_surgery": 2.1
    }
  }
}
```

### `SUBMISSIONS`

```json
{
  "UW-2025-100": {
    "applicant": "Midwest Manufacturing Inc.",
    "class_loss_ratio": 0.58,
    "combined_ratio_pct": 94,
    "completeness_pct": 95,
    "coverages_requested": [
      "GL",
      "Property",
      "Products"
    ],
    "dimensions": [
      {
        "factor": "Industry hazard",
        "note": "Metal fab = moderate",
        "score": 72
      },
      {
        "factor": "Financial stability",
        "note": "Healthy ratios",
        "score": 78
      },
      {
        "factor": "Loss experience",
        "note": "Better than class",
        "score": 82
      },
      {
        "factor": "Operations",
        "note": "Equipment age concern",
        "score": 70
      }
    ],
    "employees": 145,
    "endorsements": [
      {
        "endorsement": "Equipment breakdown",
        "reason": "Aging machinery"
      },
      {
        "endorsement": "Contingent business income",
        "reason": "Single location"
      },
      {
        "endorsement": "Blanket additional insured",
        "reason": "Contracts"
      }
    ],
    "expected_loss_ratio_pct": 52,
    "gl_structure": "$1M occurrence, $2M aggregate, $5K deductible",
    "industry": "Metal fabrication",
    "loss_ratio": 0.42,
    "losses_5yr": [
      {
        "amount": 180000,
        "note": "defective bracket, QC gap addressed",
        "type": "Products liability",
        "year": "Year -3"
      },
      {
        "amount": 57000,
        "note": "minor, closed",
        "type": "Other GL and property claims",
        "year": "Years -5 to -1"
      }
    ],
    "market_high": 96000,
    "market_low": 82000,
    "missing": [
      "current financials",
      "property value confirmation"
    ],
    "naics": "332312",
    "preliminary_risk_score": 68,
    "premium_lines": [
      {
        "coverage": "General Liability",
        "limit": "$1M/$2M",
        "premium": 32400
      },
      {
        "coverage": "Property",
        "limit": "$8.2M",
        "premium": 28700
      },
      {
        "coverage": "Products Liability",
        "limit": "$1M/$2M",
        "premium": 18600
      },
      {
        "coverage": "Business Income",
        "limit": "$2M",
        "premium": 8400
      }
    ],
    "property_values": [
      {
        "item": "building",
        "value": 4200000
      },
      {
        "item": "contents",
        "value": 3400000
      },
      {
        "item": "equipment (scheduled)",
        "value": 600000
      }
    ],
    "rate_adjustments": [
      {
        "name": "Loss experience credit",
        "pct": -8
      },
      {
        "name": "Equipment age",
        "pct": 5
      }
    ],
    "revenue": 24000000,
    "risk_flags": [
      "40% equipment >15 years",
      "single location concentration",
      "heavy machinery"
    ],
    "risk_label": "Moderate",
    "state": "OH",
    "strengths": [
      "Favorable loss history",
      "strong financials",
      "safety program"
    ],
    "subjectivities": [
      "Current financials",
      "equipment maintenance records",
      "QC procedures"
    ],
    "target_profit_pct": 12
  }
}
```

### `AUTHORITY_MATRIX`

```json
{
  "filed_states": [
    "OH",
    "IN",
    "MI"
  ],
  "quote_validity_days": 30,
  "rate_adequacy": "Above minimum",
  "reinsurance": "Within capacity",
  "underwriter_limit": 10000000
}
```

## Locked-case deterministic outputs

These are direct `perform()` results for the locked operation and arguments. Preserve the headings, identifiers, values, and boundary language.

### UWS-01 — Underwriter

- Prompt: Which submission needs the most experienced underwriter, and why?
- Operation: `risk_evaluation`
- Arguments: `{}`
- Required factual anchors: `UW-2025-103`, `Substandard`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Underwriting Risk Evaluation

| App ID | Applicant | LOB | Coverage | Risk Score | Tier | Status |
|---|---|---|---|---|---|---|
| UW-2025-101 | Riverside Manufacturing Inc. | Commercial Property | $5,000,000 | 62 | Substandard | Under Review |
| UW-2025-102 | Sarah Mitchell | Personal Auto | $500,000 | 22 | Preferred | Ready For Underwriter Review |
| UW-2025-103 | Downtown Medical Associates | Professional Liability | $3,000,000 | 75 | Substandard | Exception Review |
| UW-2025-104 | Harbor View Restaurant Group | General Liability | $2,000,000 | 48 | Standard | Pending Info |

## Risk Tier Definitions

- **Preferred** (0-30): Best rates, minimal restrictions
- **Standard** (31-55): Standard rates and terms
- **Substandard** (56-75): Rate surcharge or coverage restrictions
- **Outside Stated Appetite** (76+): Requires authorized underwriting review
```

### UWS-02 — Pricing Analyst

- Prompt: Walk me through the rating factors and loss evidence for Riverside without issuing a quote.
- Operation: `pricing_recommendation`
- Arguments: `{"application_id": "UW-2025-101"}`
- Required factual anchors: `UW-2025-101`, `Indicated Premium`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Illustrative Pricing-Factor Review: UW-2025-101

- **Applicant:** Riverside Manufacturing Inc.
- **LOB:** Commercial Property
- **Coverage:** $5,000,000
- **Indicated Premium:** $42,500
- **Risk Score:** 62 (Substandard)

## Pricing Model Factors

- **Base Rate Per 100:** 0.85
### Construction Factor

- fire_resistive: 0.8
- masonry: 1.0
- frame: 1.35
### Protection Class Factor

- 1: 0.75
- 2: 0.8
- 3: 0.9
- 4: 1.0
- 5: 1.1

## Loss History

| Year | Type/Allegation | Amount | Status |
|---|---|---|---|
| 2022 | Fire | $125,000 | Closed |
| 2023 | Water Damage | $18,500 | Closed |
```

### UWS-03 — Risk Analyst

- Prompt: Which applications are outside a stated guideline or missing required evidence?
- Operation: `guideline_check`
- Arguments: `{}`
- Required factual anchors: `UW-2025-103`, `High-Risk Specialty`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Underwriting Guideline Check

## UW-2025-101: Riverside Manufacturing Inc. — No Stated Exception

- **LOB:** Commercial Property
- **Max Coverage:** $25,000,000
- **Required Inspections:** fire_protection, electrical, roof_condition

## UW-2025-102: Sarah Mitchell — No Stated Exception

- **LOB:** Personal Auto
- **Max Coverage:** $1,000,000
- **Required Documents:** MVR, prior_insurance_dec

## UW-2025-103: Downtown Medical Associates — Exceptions Noted

- **LOB:** Professional Liability
- **Max Coverage:** $10,000,000
- **Required Documents:** CV, board_certifications, claims_history

**Violations:**

- High-risk specialty: Orthopedic Surgery

## UW-2025-104: Harbor View Restaurant Group — No Stated Exception

- **LOB:** General Liability
- **Max Coverage:** $5,000,000
- **Required Documents:** financial_statements, safety_program, certificates_of_insurance

```

### UWS-04 — Senior Underwriter

- Prompt: Prepare the exception file I need to review and state whether any coverage decision was made.
- Operation: `exception_review`
- Arguments: `{}`
- Required factual anchors: `UW-2025-103`, `No approval`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Exception Review Queue

## UW-2025-103: Downtown Medical Associates

- **LOB:** Professional Liability
- **Coverage:** $3,000,000
- **Premium:** $67,000
- **Risk Score:** 75 (Substandard)
- **Underwriter:** Patricia Graham

### Guideline Exceptions

- High-risk specialty: Orthopedic Surgery

### Human Review Paths

1. Validate missing evidence and authority limits
2. Obtain actuarial or senior-underwriter review of rating assumptions
3. Document whether the risk falls within stated appetite
4. Request additional information before any coverage decision

No approval, decline, quote, or binder has been issued.
```

### UWS-05 — Underwriter

- Prompt: Help me evaluate this commercial insurance application and tell me what is missing.
- Operation: `submission_review`
- Arguments: `{}`
- Required factual anchors: `Midwest Manufacturing Inc.`, `95% complete`, `68/100 (Moderate)`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Submission Review: Midwest Manufacturing Inc. (UW-2025-100)

Analyzed the Midwest Manufacturing Inc. application - moderate risk with attention areas.

| Field | Details |
|---|---|
| Applicant | Midwest Manufacturing Inc. |
| Industry | Metal fabrication (NAICS 332312) |
| Revenue | $24M, 145 employees |
| Coverage | GL, Property, Products |
| State | OH |

**Completeness:** 95% complete, need current financials and property value confirmation
**Risk Flags:** 40% equipment >15 years, single location concentration, heavy machinery
**Preliminary Risk Score:** 68/100 (Moderate)

Source: [Application Portal (synthetic)]

See detailed risk and loss history?
```

### UWS-06 — Risk Analyst

- Prompt: Show me the full risk assessment and the loss history for the Midwest Manufacturing submission.
- Operation: `risk_assessment`
- Arguments: `{}`
- Required factual anchors: `Industry hazard`, `$237K`, `0.42 vs class 0.58`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Risk Assessment: Midwest Manufacturing Inc. (UW-2025-100)

Risk assessment complete - favorable loss history with one notable claim.

| Risk Factor | Score | Notes |
|---|---|---|
| Industry hazard | 72/100 | Metal fab = moderate |
| Financial stability | 78/100 | Healthy ratios |
| Loss experience | 82/100 | Better than class |
| Operations | 70/100 | Equipment age concern |

**5-Year Loss History:** Total incurred $237K (below the class average)
**Notable Claim:** Year -3 products liability $180K (defective bracket, QC gap addressed)
**Benchmark:** Loss ratio 0.42 vs class 0.58 (better than average)
**Preliminary Risk Score:** 68/100 (Moderate)

Source: [Claims Database (synthetic)]

Generate pricing?
```

### UWS-07 — Underwriter

- Prompt: What coverage structure, endorsements, and subjectivities do you recommend for Midwest Manufacturing?
- Operation: `coverage_structure`
- Arguments: `{}`
- Required factual anchors: `Equipment breakdown`, `$5K deductible`, `$8.2M total`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Recommended Coverage Structure: Midwest Manufacturing Inc. (UW-2025-100)

Coverage structure designed for the manufacturing risk profile (recommendation for the underwriter).

**General Liability:** $1M occurrence, $2M aggregate, $5K deductible
**Property Coverage:** $8.2M total (building $4.2M, contents $3.4M, equipment (scheduled) $600K)

**Recommended Endorsements:**

| Endorsement | Reason |
|---|---|
| Equipment breakdown | Aging machinery |
| Contingent business income | Single location |
| Blanket additional insured | Contracts |

**Subjectivities:** Current financials, equipment maintenance records, QC procedures

Source: [Product Library (synthetic)]

Run compliance check?
```

### UWS-08 — Senior Underwriter

- Prompt: Check compliance and authority before we finalize the Midwest Manufacturing recommendation.
- Operation: `compliance_check`
- Arguments: `{}`
- Required factual anchors: `Within $10M limit`, `OH rates filed`, `30 days`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Compliance and Authority Check: Midwest Manufacturing Inc. (UW-2025-100)

Compliance validated - within authority, ready for your quote decision.

| Check | Status |
|---|---|
| Underwriting authority | Within $10M limit |
| Rate adequacy | Above minimum |
| Reinsurance treaty | Within capacity |
| State filing | OH rates filed |

**Approval:** Within your binding authority, no referral required; the bind decision is yours.
**Subjectivities Before Binding:** Current financials, equipment maintenance records, QC procedures
**Quote Validity:** 30 days

Source: [Authority Matrix (synthetic)]

Generate underwriting summary?
```

### UWS-09 — Senior Underwriter

- Prompt: Generate the complete underwriting summary for the Midwest Manufacturing submission.
- Operation: `underwriting_summary`
- Arguments: `{}`
- Required factual anchors: `Approve with conditions`, `$88,100`, `drafted for you to issue`

```text
> **SYNTHETIC DEMO DATA — UNDERWRITER REVIEW REQUIRED.** Fictional submissions and rating assumptions only. This is not legal, insurance, or financial advice and does not bind, quote, approve, decline, or modify coverage.

# Underwriting Summary: Midwest Manufacturing Inc. (UW-2025-100)

Recommendation for the underwriter: approve with conditions, $88,100 premium.

| Decision Detail | Value |
|---|---|
| Recommendation | Approve with conditions (underwriter decision) |
| Risk score | 68/100 (Moderate) |
| Premium | $88,100 |
| Authority | Within limits |

**Strengths:** Favorable loss history, strong financials, safety program
**Conditions for Binding:** Current financials, equipment maintenance records, QC procedures
**Quote Package:** drafted for you to issue - letter, coverage summary, subjectivities listed

Source: [All Underwriting Systems (synthetic)]
```

## Evidence boundary

This snapshot does not authorize legal, insurance, actuarial, pricing, or financial advice; quotes, binders, approvals, declines, policy issuance, coverage changes, or promised terms. Missing evidence must be reported as absent. No browser lookup, external connector, message, approval, filing, account action, payment, order, transaction, or record change is available.