No sensitive underwriting information should be submitted unless a specific Insurance-Readiness Room or controlled insurance-readiness pathway has been approved and the information has been authorized for sharing.
Sensitive underwriting information may include risk submissions, quotes, pricing models, underwriting notes, claims history, policy terms, exclusions, limits, reinsurance structures, actuarial assumptions, loss data, insured values, confidential broker materials, insurer capacity information, or internal underwriting appetite.
GRA’s Insurance-Readiness pathway is not an underwriting process. It does not quote, price, bind, place, approve, recommend, or negotiate coverage. It does not provide brokerage or reinsurance placement.
Most insurance-readiness work should rely on high-level exposure information, protection-gap summaries, risk engineering needs, public risk data, scenario analysis, and evidence-gap framing. It should not require underwriting files.
If a controlled insurance-readiness review requires more detail, the submission must be scoped, authorized, minimized, clearly labeled, and routed into the appropriate docket. Even then, the record must state that insurance-readiness review is not underwriting and does not imply coverage, capacity, pricing, or insurability.
