Jonathan
Overall
Overall, PL Rating saves us a ton of time and data entry, I use it a ton and like it. My only major gripe is that the named insureds often import incorrectly from Hawksoft, it seems to have something to do with if both parties are named insureds or not, it'd be nice if you worked that out, but I get that it's an API issue also, so who knows who's at fault there. A more general idea for you: I'd like the ability to bridge in a quote, _even if the carrier is giving a decline result_, such that I can see the decline in their system. This would be especially useful with Safeco - if their system declines on the PL rating level and I end up needing to go with the CA FAIR plan, while working up a DIC quote, I have to go to into Safeco and build the DIC quote manually. If I had the ability to bridge in a quote for a rejection, I could then use their internal system to copy the quote to the DIC form without having to do the data entry again. The other option for you might be be to create a 2nd quote, similar to the one you do for Safeco's "2nd look" indication but for their DIC policy, if they're indicating a decline due to wildfire scoring. Nationwide and Pacific Specialty can sometimes give inconsistent or flat incorrect results from their PL rating indications, forcing me to go in and quote directly with them to verify if a property can be accepted - I have had at least a few cases where the indication on PL rating was that a location could not be insured, and then I placed it with that carrier! Nationwide specifically is quite guilty on this. On the other extreme, Pacific Specialty lets me bridge in just about anything - even things which they have no particular desire to insure without a DIC. It'd be really nice if Pacific Specialty returned their companies' Fireline rating for a property with their indications in the PL rating results, it's quite frustrating to bridge a quote in and go through 2 slow screens to get to their fireline rating, which, if over a 4 in our area, means it will be a DIC only offer. I'm speaking as an agent in Northern CA, where fires have been a major concern, so we're constantly facing properties that need a diligent search of the market to find coverage for.