For Insurance Underwriters ·
What you'll accomplish
By the end of this guide, you'll be able to paste large commercial insurance submissions — including multi-page ACORD applications, supplements, and loss runs — directly into Claude Pro and receive a structured underwriting summary in minutes. Stop reading 200-page submissions manually; let Claude do the extraction so you can focus on the decision.
What you'll need
Go to claude.ai and click "Upgrade to Pro." Complete the $20/month subscription. The key feature for underwriters: Claude Pro's context window handles significantly more text than the free version — important when pasting multi-page submission documents.
Why Claude Pro vs. free Claude for this use case: Free Claude has a context limit that will cut off large submissions. Claude Pro can process full ACORD applications, supplements, and loss runs simultaneously without truncating.
Open your submission PDF in Adobe Reader, Chrome PDF viewer, or any PDF viewer.
Press Ctrl+A (Select All) then Ctrl+C (Copy). This copies all text from the document. Some PDFs are scanned images — for these, you'll need to retype the key fields manually or use Adobe Acrobat's OCR feature ("Export to Word") to make the text copyable.
Test if a PDF is text-copyable: Try selecting a word with your cursor. If you can highlight individual words, the PDF is text-based. If you can only select the whole page as an image, it's a scanned document.
Start a new conversation in Claude Pro. First, set the context:
"I'm a commercial insurance underwriter reviewing a submission. I'm going to paste the text from the submission documents and I need you to extract and summarize the key underwriting information. The submission includes [ACORD application / supplemental questionnaire / 5-year loss runs / prior policy declarations]."
This primes Claude to interpret the document text as insurance submissions rather than generic documents.
Paste the full submission text and ask:
Analyze this commercial insurance submission and produce an underwriting summary:
1. Business description: What does this company do? How long have they been in business? Where do they operate?
2. Coverage requested: Lines of coverage, limits, deductibles, effective date
3. Key risk characteristics: Building construction/occupancy (if property), payroll/revenues, number of employees, major operations, any unusual hazards
4. Loss history: 5-year claim count, total incurred losses, loss ratio if premium is available, any pattern in claim types or causes, any single large losses
5. Red flags: Anything incomplete, inconsistent, unusual, or potentially problematic
6. Questions to ask: What information is missing that I need to underwrite this account?
[paste submission text here]
After the initial summary, keep the conversation going — Claude retains the full submission context:
Quick triage (should I even quote this?):
Read this submission and tell me: Is there anything that would cause us to immediately decline without further analysis? If not, what is the initial risk quality — above average, average, or below average?
[paste submission]
Loss run focus:
Focus on the loss run portion of this submission. Calculate loss ratio by year if premium data is present, identify frequency vs. severity trends, and flag any claims that appear to be related or part of a pattern.
[paste loss run text]
Missing information finder:
Based on the submission, list the specific information that is missing, incomplete, or inconsistent. Format as a list of questions to send to the agent before I can complete my underwriting analysis.
[paste submission]
Guide created for Insurance Underwriter professionals. Tool interfaces may change.