Applied Epic SDK, EZLynx Commercial, Tarmika API, Playwright Headless RPA, ICE Encompass LOS Webhook, LayoutLMv3 + GPT-4o VisionCommercial Lines & Mortgage Brokerage – 84.2% Faster Submission Intake, Loss Run OCR & Quoting
The Commercial Submission Intake, Loss Run Parser & Mortgage Hazard Verification Platform automated underwriting preparation, multi-carrier portal quoting, and loan closing insurance verification for Vanguard Specialty Brokerage & Mortgage Hazard Desk, a 32-person US brokerage processing 650+ monthly commercial lines submissions and 1,100+ monthly mortgage closing hazard verifications. Delivered by Code Ninety in 6 weeks (November to December 2025) for $25,500 via a white-label remote operations partnership, the engine ingests unstructured broker emails, partially handwritten ACORD 125, 126, 130, and 140 forms, multi-tab Excel Statements of Values (SOVs), and scanned 5-year carrier Loss Runs, syncing normalized data directly into Applied Epic and pre-filling carrier quoting portals via Tarmika API and Playwright RPA. In production since December 2025, the solution reduced commercial submission prep time from 54 minutes to 8 minutes 30 seconds (84.2% reduction), accelerated mortgage hazard binder verification in ICE Encompass to 75 seconds, and increased the brokerage’s quote-to-bind conversion rate by 27.4%.
Client Background & Dual-Division Bottlenecks
Vanguard Specialty operates two high-volume servicing desks staffed by remote commercial processors and mortgage insurance specialists:
Commercial Lines Submission & Quoting Desk: Writes habitational real estate, artisan contractors, commercial auto fleets, and hospitality packages. Every incoming submission arrived as a fragmented email containing 6 to 12 attachments: partially filled ACORD 125 (Commercial Insurance Application), ACORD 126 (Commercial General Liability), ACORD 130 (Workers Compensation), ACORD 140 (Property Section), unformatted client Excel property schedules (SOVs), driver MVR lists, and 3 to 5 years of scanned PDF Loss Runs from prior carriers. Remote processors spent 54 minutes per submission re-typing data into Applied Epic and re-entering the same 140+ underwriting fields across 6 to 8 carrier quoting portals.
Mortgage Broker Hazard & Impound Servicing Desk: Supports partner US mortgage brokers and loan processors running on ICE Encompass and Calyx Point. Before a residential or commercial mortgage loan can fund, remote processors must verify the borrower’s homeowners (HO-3 / HO-6), flood, and master condo insurance binders against Fannie Mae Selling Guide B-7-01 and Freddie Mac Guide Chapter 8202 requirements—checking replacement cost estimators (RCE), wind/hail deductible caps, escrow impound billing invoices, and exact ISAOA / ATIMA mortgagee clause wording. Month-end closing spikes routinely caused 24-hour verification bottlenecks.
The Code Ninety Solution Architecture
Engineered over 6 weeks by a 4-engineer Code Ninety team (2 Document AI Engineers, 1 Playwright RPA Specialist, 1 AMS/LOS API Architect), the system automates three core workflows:
1. ACORD 125/140, SOV & 5-Year Loss Run Normalization Pipeline
Multi-Carrier 5-Year Loss Run Parser: Uses LayoutLMv3 and GPT-4o Vision with deterministic mathematical reconciliation checks (Paid + Open Reserve = Total Incurred) to parse scanned PDF Loss Runs across 40+ commercial carriers. Automatically extracts policy periods, valuation dates (verifying valuation within 60 days of submission), claim status (Open vs. Closed vs. Subrogated), and claim descriptions—flagging any single shock loss above $25,000 for immediate underwriter review.
Automated SOV Cleanser & COPE Data Enrichment: Transforms messy client Excel property sheets into standardized carrier SOV templates while querying geospatial property APIs to enrich missing COPE underwriting fields (ISO Construction Class 1–6, Occupancy, Protection Class / distance to fire hydrant and fire station, roof replacement year, and square footage).
Automated Incomplete-Submission Chaser: Compares extracted ACORD 125/126/130/140 fields against carrier underwriting rules and instantly drafts a polite follow-up email to the producer or insured requesting missing mandatory fields (e.g., Missing FEIN, missing prior carrier policy number, or missing subcontractor cost percentage).
2. Hybrid API + Headless Playwright RPA Multi-Carrier Quoting Engine
Once a remote processor reviews and approves the normalized submission screen in one click:
Bi-Directional Applied Epic Sync: Pushes the structured client record, location schedules, vehicle VINs, and populated ACORD forms directly into Applied Epic via the Applied Integration SDK.
Automated Carrier Portal Pre-Fill: Dispatches commercial package quotes simultaneously via Tarmika API for supported standard lines carriers and via containerized Playwright Headless RPA bots (equipped with encrypted vault authentication and 2FA OTP interception) for specialty and regional carrier portals that lack public APIs. The RPA bots populate all 140+ underwriting fields and pause at the final carrier quote summary screen for CSR sign-off.
3. 75-Second Mortgage Broker Hazard & Escrow Verification Agent (Encompass LOS)
Integrated via webhook with ICE Encompass LOS and Calyx Point:
Ingests the borrower’s Form 1003 / 1008 Loan Summary alongside the writing agent’s ACORD 27/28 binder, HO-3 / HO-6 declarations, and Replacement Cost Estimator (RCE).
Executes a deterministic 7-Point Lender Closing Audit in 75 seconds: (1) Borrower vesting & property address match, (2) Dwelling Coverage A >= Loan Amount or 100% RCE, (3) All-Peril & Wind/Hail deductibles <= 5% of Coverage A per Fannie Mae B-7-01, (4) Policy effective date <= loan closing date, (5) Paid-in-full receipt or escrow impound invoice attached, (6) Condo HO-6 walls-in coverage >= 20% of appraised value, and (7) Character-for-character verification of the lender's ISAOA / ATIMA mortgagee clause and loan number.
Sample Output: Automated Submission Intake & Mortgage Hazard Audit
| Document / Workflow Stream | Raw Incoming Source Format | Automated Extraction & Compliance Output | Processing Time | Exception Flagged & Automated CSR Action |
|---|---|---|---|---|
| 5-Year Commercial Loss Runs | 18-Page Scanned PDFs (3 Prior Carriers) | Reconciled 14 claims: $48,200 Paid, $12,500 Open Reserve (1 Open 2024 GL Slip & Fall) | 11.4 Seconds | Highlighted open reserve on p. 9; attached normalized CSV summary to Applied Epic |
| 24-Location Habitational SOV | Unformatted Client Excel Workbook | Standardized 24 buildings ($42.8M TIV); enriched missing ISO Construction & Protection Classes | 8.2 Seconds | Flagged Building #7 (1998 Roof Age) for E&S carrier portal routing |
| ACORD 125 / 126 / 140 Packet | Partially Handwritten Broker PDF | Extracted 168 underwriting fields (99.1% accuracy); detected missing FEIN & Subcontractor % | 6.5 Seconds | Auto-drafted missing-information follow-up email to retail producer |
| Mortgage Closing Hazard Binder | Encompass LOS Order + HO-3 Binder |
Verified Coverage A ($485K >= $460K Loan); caught typo in Loan # & missing ISAOA/ATIMA | 4.1 Seconds | Auto-dispatched mortgagee correction email to writing insurance agent |
Production JSON Payload: Normalized Submission & 5-Year Loss Run Output
{
"submission_id": "cn_sub_2025_12_44910",
"ams_destination": "APPLIED_EPIC_SDK_V2",
"los_webhook_sync": "ICE_ENCOMPASS_REST_V3",
"acord_forms_parsed": [
"ACORD_125",
"ACORD_126",
"ACORD_140"
],
"extraction_accuracy_score": 0.991,
"loss_run_5yr_summary": {
"carriers_evaluated": [
"Hartford Fire Insurance Co",
"Cincinnati Insurance Co"
],
"valuation_date_valid_within_60d": true,
"total_claims_count": 14,
"open_claims_count": 1,
"total_paid_usd": 48200.00,
"total_open_reserves_usd": 12500.00,
"total_incurred_reconciled_usd": 60700.00,
"shock_loss_alert": false
},
"quoting_rpa_dispatch": {
"tarmika_api_carriers_triggered": 5,
"playwright_rpa_portals_prefilled": [
"Kinsale_Broker_Portal",
"Amwins_Access",
"Philadelphia_Ins_Portal"
],
"status": "PAUSED_FOR_CSR_ONE_CLICK_BIND_REVIEW"
}
}Technical Delivery & Architecture Pod
Dedicated engineering practice leads who architected and deployed this solution:
Measurable Business Impact & ROI
| Brokerage & Hazard Desk Metric | Pre-Automation Baseline (Q3 2025) | Post-Code Ninety AI (Q1 – Q2 2026) | Verified Improvement |
|---|---|---|---|
| Commercial Submission & Loss Run Prep | 54 Minutes / Submission | 8 Minutes 30 Seconds / Submission | 84.2% reduction in manual data entry |
| Monthly Submissions Processed per CSR | 42 Submissions / Month | 118 Submissions / Month | 2.81x quoting throughput per remote processor |
| Commercial Quote-to-Bind Ratio | 21.5% Bind Rate | 27.4% Bind Rate (+5.9 pts) | 27.4% relative lift from same-day quote speed |
| Mortgage Closing Hazard Audit Speed | 38 Minutes (Up to 24h Backlog) | 75 Seconds per Loan File | 96.7% faster lender closing clearance in Encompass |
— Managing Director, Commercial Brokerage & Mortgage Hazard Servicing Group (Charlotte, NC) | Verified Partner Audit | Project Budget: $25,500 | Delivered December 2025
Frequently Asked Questions: Commercial Quoting & Loss Run AI
How accurately can AI extract claim histories from scanned multi-carrier 5-year Loss Run PDFs?
Code Ninety’s LayoutLMv3 and vision-language pipeline extracts policy periods, valuation dates, open reserves, paid losses, and claim descriptions from scanned 5-year Loss Run PDFs across 40+ commercial carriers with 99.1% field accuracy, flagging shock losses above $25,000 automatically.
How do you automate commercial quoting for insurance carriers that do not provide public APIs?
For commercial carriers connected to comparative raters like Tarmika or Ivans, quotes are triggered via direct API. For specialty and regional carriers without APIs, Code Ninety deploys containerized Playwright Headless RPA bots with 2FA session persistence that pre-fill 140+ extracted ACORD and SOV fields into the carrier portal and pause at the quote review screen.
Can this platform automate hazard and flood insurance verification for mortgage brokers?
Yes. The system integrates with ICE Encompass and Calyx Point loan origination systems to cross-check borrower HO-3 / HO-6 binders, ACORD 27/28 forms, and flood declarations against Fannie Mae Selling Guide B-7-01 replacement cost, deductible cap, escrow impound, and ISAOA / ATIMA mortgagee clause requirements in 75 seconds.
How do you work with insurance staffing agencies and BPO partners on mid-market US brokerage deals?
Code Ninety operates as a silent white-label engineering partner for insurance staffing and BPO providers under strict Non-Circumvention NDAs. We offer modular wholesale implementation tiers ($7,500 for 3-week single-workflow pilots; $16,000–$25,500 for 4-to-6-week turnkey suites) alongside free joint proposal engineering and co-branded client portals.
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