How Trucking Underwriters Can Attract More Submissions

In a competitive trucking insurance market, underwriters aren’t just fighting for profitable risks—they’re also competing for submission flow from brokers and agents. The reality? Agents send more business to underwriters who make their jobs easier.

If you want to increase submission volume, improve hit ratios, and build stronger broker relationships, here’s how to make your underwriting process the clear choice.

1️⃣ Be Faster Than the Competition

Brokers don’t have time to wait. If they send a submission and don’t hear back for days, they’re moving on. The fastest underwriters win more business—period.

🚛 How to Win:

✅ Automate submission intake—reduce data entry, extract risk details from emails, and triage submissions instantly

✅ Use pre-built rating logic for small fleet STP (straight-through processing) to turn around quotes in minutes

✅ Offer multiple quote options upfront so agents don’t need to request revisions

Pro Tip: Agents will start submitting more risks to you if they know they can get a quote the same day while other markets take days.

2️⃣ Make the Submission Process Less Painful

Many trucking submissions arrive as messy, incomplete PDFs, spreadsheets, or emails. If brokers feel like your process is slow or difficult, they’ll send their business elsewhere.

🚛 How to Win:

✅ Accept email submissions and automatically extract key risk data—no portals, no rekeying

✅ Provide self-service tools for brokers to track submissions and upload missing details

✅ Use third-party data (USDOT, NHTSA) to fill in gaps automatically instead of making brokers chase down info

Pro Tip: The smoother your submission process, the more often brokers will prefer placing business with you over competitors.

3️⃣ Offer More Quote Options (Not Just Yes/No)

Underwriters who only offer one quote and expect agents to accept it are losing deals. Brokers want flexibility—they need options on limits, deductibles, and structures so they can find the right fit for their insureds.

🚛 How to Win:

✅ Offer multiple limit/deductible structures upfront to give brokers flexibility

✅ Provide dynamic quoting tools that let agents adjust coverage to meet target premiums

✅ Be transparent about underwriting guidelines so brokers know what to expect

Pro Tip: If a broker sends the same risk to two markets, but you provide three quote options and the competitor provides one, guess who wins?

4️⃣ Make Endorsements & Policy Management Easy

A great quoting experience isn’t enough—brokers need to trust that once the policy is bound, servicing won’t be a nightmare. If your endorsement process is slow, manual, or unclear, brokers will think twice about placing business with you.

🚛 How to Win:

✅ Automate endorsements and mid-term schedule changes—no back-and-forth paperwork

✅ Give brokers self-service tools to manage policy changes without waiting on underwriters

✅ Ensure proration and rating adjustments happen in real time

Pro Tip: Brokers value ease of doing business. If they know your post-bind service is frictionless, they’ll want to place more risks with you.

5️⃣ Build Relationships & Reward Loyalty

Trucking brokers work fast, and they’re constantly placing business. If you’re just another underwriter in their inbox, you’re forgettable. The best underwriters build strong broker relationships and ensure their market is the first stop for submissions.

🚛 How to Win:

✅ Proactively reach out with insights on market conditions, rate changes, and risk appetite

✅ Reward brokers who send quality business with faster turnaround times or exclusive programs

✅ Be a true partner—help brokers navigate difficult accounts instead of just saying “declined”

Pro Tip: The best underwriters don’t just wait for submissions—they actively communicate and make it clear why brokers should send business to them first.

The Bottom Line: How to Win More Broker Submissions in Trucking Insurance

🔹 Be the fastest quote on their desk—leverage automation and data to speed up underwriting

🔹 Make submitting business easy—reduce friction, eliminate manual work, and fill in missing data

🔹 Give brokers options—offer dynamic quoting with multiple limit and deductible structures

🔹 Ensure policy servicing is smooth—automate endorsements and schedule changes

🔹 Build strong broker relationships—reward good submissions, offer market insights, and be a trusted partner

🚀 Underwriters who prioritize speed, flexibility, and ease of doing business will dominate trucking submissions in 2025.

Want to see how PolicyFly can help you win more broker business? Let’s talk.