Wouldn't it be nice to get inside the head of your underwriter?

Underwriter Insider Tips

Are you tired of having your General Liability submissions denied?

Top 5 Reasons Underwriters Deny General Liability Submissions:

Having your risk submission denied can greatly set you back as a broker. Here are some reasons why your submissions were denied along with Underwriter insider tips to improve your submission approval rate 

Ineligible Risks

When choosing the MGA you want to work with, it is important to consider the agency's defined areas of expertise and market appetite. Greenwood has programs for small to medium sized businesses with a focus on contractors and developers.


Although our program accommodates most risks in this industry, risks such as roofing will be approved based on the type of roofing done. Roofing using hot tar or torch down work will be denied.

“90% of Applications with errors could have been approved ”
-Greenwood Director of Underwriting

Application errors

  • An insurer may claim you made certain errors on your application that nullify the coverage of your policy. Not all agencies quote the same, therefore in order to save time for yourself and the Underwriter, check with the agency to ensure your application is complete and has no errors. 

Greenwood General Insurance Agency is staffed with seasoned Underwriters  ready to assist you in your risk submission to ensure all the necessary information is provided. The Underwriters at Greenwood specialize in providing our brokers with everything they need to ensure their success.

Claims History

Before providing you with a quote, underwriters will check your insured's claim history to determine whether or not the insured presents more risks to the insurer. If the insured has open claims, the Underwriter will immediately decline the submission. 

"Insurance fraud causes $80 billion worth of damages to consumers"
-Insurance Information Institute

Insurance fraud

Submitting false information or exaggerated claims can amount to insurance fraud, resulting in civil and criminal consequences. Underwriters conduct thorough research into the insured to make sure they are getting accurate information from the broker / agent. Running background checks on the insured could help save time when submitting risks 

Bad faith denial

The underwriters main goal is to write smart and profitable policies for brokers/ agents. However, out of good faith, an Underwriter will not write business for a broker/agent who’s CSLB license is revoked or expired. 

“There is a 40% Chance of a Small Business Filing an Insurance Claim ”
-Fit Small Business

Lack of coverage

 A submission that does not fit our program when getting a quick quote will be declined. A tip from our Underwriters is to ask for program guidelines before submitting a risk. If your risk is denied with a GL program, you can always submit it to our wholesale division, although expect a longer turnaround. 

Here at Greenwood, we focus on fast communication and easy applications, which is what makes our brokers so successful. Get started by booking a free demo with our best Underwriter.

Greenwood General Insurance Agency

Exclusive General Liability programs specifically designed for contractors and artisans

  • Multiple “A” Rated Carriers ; Non-Admitted
  • 50+ Classifications including General Contractors
  • Online or Self Rater (2 minute process)
  • $500 Minimum Premium on Most Classes
  • No Prior and New Venture OK
  • Flexible Underwriting

Get A Free Quote

Are you ready to start writing more profitable business? Book a free demo with us to learn about our fast and easy online quoting system