Imagine receiving a routine commercial package submission for one proposed insured—except that the loss history includes 12 losses over a five-year period, with three carriers and three lines of business per carrier. In the hands of a superstar agent, it could take several weeks or more to manually collect this loss history—and even then, your underwriter would have to sift through reams of paper to try to make sense of it all.

You might throw your hands up and say that manual loss runs are a necessary evil. In fact, there’s a more efficient and effective way of achieving the same result: automated loss runs, enabled by a contributory database.

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