AQUA by Dellwood · Brokerage Casualty AI Submission Clearance
U
Operations user
Field Status Review — BPO Queue
Review the ingestion and validation status of each field that needs judgement. Confirm or correct AI-prepared values, resolve policy and clearance exceptions, and approve a complete submission for underwriting. Nothing is written to AQUA before approval.
Request more informationHazard 4/5Opportunity 35/100Confidence 62 %
AI assessment for underwriter review — advisory only. It contains no pricing:
any premium shown anywhere on this page is a figure the broker submitted, not one the AI produced.
Generated Oct 2, 2026 11:41 AM using gpt-5.6-luna.
Request more informationThe High signals are the unresolved controlling submission data, the mismatch between the 61212 lessor’s-risk class and active window installation/manufacturing operations, the recurring completed-operations defect pattern with $18,000,000 subcontracted cost, and the unreconciled GL/auto/workers compensation/excess loss and tower information. The file cannot support a reliable quote, attachment or bind decision until the broker supplies a controlling schedule, correct class and exposure bases, current terms, reconciled five-year losses and underlying/excess structure. The deterministic guideline result is InAppetite, but clearance is blocked and should not override these information requirements.
Operations
Window World of Baton Rouge LLC operates a multi-state window, door and siding business from a Baton Rouge office/showroom and storage facility. The submission describes distribution, claimed door/window manufacturing, in-home estimates, product demonstrations, window and door installation, and subcontracted construction work. It reports $135,000,000 annual sales, $16,559,500 payroll, $18,000,000 subcontracted cost and 140 full-time employees. The schedule also includes small showrooms, office/warehouse locations, two hay-producing agricultural properties totaling approximately 638 acres, vacant land, a leased antique-furniture retail premises, and a remote leased Colorado cabin associated with another LLC.
Risk narrative
Posture is refer and pend, not quote-ready. The dominant exposure is a large, multi-state window distribution and installation operation with $135,000,000 stated sales, $18,000,000 of subcontracted work, and recurring water-intrusion, faulty-installation, construction-defect and mold allegations. The submitted primary class is lessor’s-risk-only, while the facts describe active installation and possible manufacturing; the correct class and exposure basis are unresolved. The 15-location schedule contains agricultural, vacant-land, retail, warehouse and cabin exposures that are not rated. Loss data covers only four of five expected periods and mixes GL, auto, workers compensation and excess results. A federal court source describes an area-only coverage dispute involving alleged improper installation and water intrusion, not a carrier claim. BestPlaces scores of 55.00 at 70815 and 55.10 at nearby 70814 are advisory only.
Hazards severity and frequency graded separately — they drive different decisions
Window and door installation defects causing water intrusion, property damage, mold and construction-defect allegationsOperationsSeverity HighFrequency High
The AmTrust and Liberty records show repeated allegations involving leaking windows, faulty installation, water damage, mold and construction defects.
Controls noted: The submitted website states that installers are trained, trusted and insured. The schedule identifies installation operations and subcontracted work.
Control gaps: No documented installation quality-control program, inspection protocol, warranty controls, subcontractor qualification standards, written contracts, certificates of insurance, or completed-operations risk controls were supplied.
Work at customer residences, including window and door installation and handling of construction materialsOperationsSeverity HighFrequency Moderate
Off-premises residential work creates third-party property damage, bodily injury and completed-operations exposure beyond the showroom premises.
Controls noted: The website describes free in-home estimates, product demonstrations, installer visits and final installation.
Control gaps: No evidence of fall protection, ladder safety, employee training records, homeowner site-safety procedures, supervision, incident reporting or subcontractor oversight was supplied.
Subcontracted construction and installation workOperationsSeverity HighFrequency Moderate
Several reported claims specifically attribute installation work to subcontractors, increasing transfer, control and completed-operations concerns.
Controls noted: The submission reports $18,000,000 paid to subcontractors and 11% of work subcontracted.
Control gaps: No subcontractor list, certificates, additional-insured requirements, indemnity agreements, hold-harmless language, licensing verification or quality-audit process was provided.
Public showroom, office, warehouse and storage premises across multiple statesPremisesSeverity ModerateFrequency Moderate
Customer traffic, stored materials, loading activity and shared parking can produce slip-and-fall, struck-by and property-damage claims across 15 locations.
Controls noted: The website provides operating hours for the Baton Rouge business; some public sources corroborate commercial showroom or warehouse use at scheduled addresses.
Control gaps: Construction, protection, square footage, occupancy configuration, maintenance responsibility, parking, common-area controls and premises inspection information are largely absent.
Agricultural hay-sale operations on approximately 638 scheduled acresOperationsSeverity HighFrequency Low
The hay-sale operations are materially different from the window business and may require separate classification, rating and coverage review.
Controls noted: The schedule identifies 380 acres at Bains and 258 acres at Saint Francisville with hay sales.
Control gaps: No equipment schedule, employee or contractor use, visitor exposure, fire controls, pesticide/fertilizer information, roadway access or agricultural liability controls were supplied.
Vacant land and disputed vacant-lot occupancyPremisesSeverity ModerateFrequency Moderate
Public property information conflicts with the vacant-lot description at 14017 Perkins Road and identifies an existing property and a commercial car-wash listing.
Controls noted: The schedule identifies vacant land at three locations and describes one Baton Rouge parcel as a 70-foot by 300-foot vacant lot.
Control gaps: No fencing, signage, inspection, trespass controls, maintenance responsibility or confirmation of actual physical condition was supplied.
Antique furniture, lighting, decor retail and restoration/workshop activityPremisesSeverity HighFrequency Moderate
The public-facing showroom and restoration activity create customer, fire-load, handling and premises-liability exposures outside the stated window operation.
Controls noted: The schedule identifies an 11,700-square-foot leased retail occupancy; official and established public sources corroborate Fireside Antiques at the address and describe showroom and restoration activity.
Control gaps: No lease, maintenance allocation, workshop processes, hot-work or fire controls, customer-flow controls or premises inspection was supplied.
Employee and commercial auto exposureAutoSeverity SevereFrequency Moderate
The supplied auto history includes repeated employee-driving losses and a fatal one-vehicle accident, which may materially affect the excess tower even though this is a GL submission.
Controls noted: Auto loss runs were supplied and the account reports 140 full-time employees.
Control gaps: No vehicle schedule, driver controls, MVR standards, fleet safety program, hired/non-owned auto information or current auto underlying limits were supplied.
Remote leased recreational cabin and surrounding leased landPremisesSeverity HighFrequency Low
The cabin is remote, associated in the schedule with Bear Cave Cabin LLC, and may not be an exposure of the named insured.
Controls noted: The schedule identifies a 1,680-square-foot cabin and more than one acre leased from the U.S. Forest Service; a county tax-roll source corroborates recreational-cabin occupancy.
Control gaps: No lease, maintenance obligations, guest use, access, fire protection, emergency response or entity relationship documentation was supplied.
Overall grade 4/5. This is an elevated physical-operation risk with public access, residential installation, substantial subcontracting, completed-operations severity potential and a broad schedule containing agriculture, vacant land, retail and remote-premises exposures. The account is not catastrophe-severe on the supplied facts, but the operational breadth and auto history warrant senior review.
Catastrophe exposure
Multi-state CAT exposure is implied. Supplied public context reports potential FEMA Zone AE exposure at the Seminole, Florida and Metairie, Louisiana locations, and third-party modeled wind/flood exposure at the Saint Francisville property; these are not complete or official CAT determinations. Louisiana, Florida, Texas and Colorado locations should be geocoded and reviewed for wind, flood, hail, wildfire and remote-access implications.
Loss analysis
Insufficient data4 yr(s) supplied
Four supplied periods reviewed, but one expected period is missing and the reports are not reconciled; frequency is watch-level with recurring installation-related property damage and insufficient trend data.
Years reviewed4
FrequencyEight claims are reported over four supplied periods, with the computed frequency measure of 86.957 claims per 1,000 square feet flagged for watch because the stated 23 square feet exposure is likely not a meaningful measure for this operation. The result cannot be treated as a clean or experience-rated record.
SeverityComputed average incurred is $7,875 per claim against the requested $1,000,000 each-occurrence limit, and $63,000 incurred equals 26.2% of the $240,260 expiring premium. The relatively low reported average does not offset the recurring completed-operations pattern and possible higher-severity auto and excess losses in the mixed reports.
Open-claim concernThe intake reports 5 open claims. The computed share still in reserve is -22.2%, with ($13,957) of $63,000 not yet paid; because paid exceeds incurred in the supplied aggregate, carrier-specific reserves and claim status must be reconciled rather than assumed favorable.
Largest claimA single dominant claim cannot be established from the supplied batch because GL, auto, workers compensation and excess records are not reconciled by carrier, line, period or program.
Policy year
Claims
Paid
Reserved
Incurred
2022-2023 (AmTrust GL)
8
$76,957
—
$63,000
2023-2024
—
—
—
—
2024-2025
—
—
—
—
2025-2026
—
—
—
—
High GL, auto, workers compensation and excess loss reports cannot be consolidated into a reliable account-level history.
High Repeated window and door installation, water-intrusion, mold and construction-defect allegations match the core operation and indicate a recurring completed-operations cause.
Moderate Loss runs cover 4 of 5 expected periods; the record is incomplete, not clean.
Moderate Five open claims are reported, but the aggregate paid, incurred and reserve presentation is internally inconsistent and requires carrier-level reconciliation.
Moderate The available loss reports have materially different valuation dates, including Liberty GL valued 03/13/2024.
Appetite view
Refer
The deterministic guideline result is InAppetite for the submitted class, but the clearance is blocked. My underwriting view is Refer because the submitted class is not aligned with the active operations, the schedule contains materially different and potentially unrelated exposures, and the loss and tower information is incomplete. The account may fit after corrected classification, exposure allocation, controls and loss reconciliation; the present file does not support acceptance or a bindable quote.
The guideline rule returned InAppetite (UWGUIDE-61212-A-B3E88B7D).
The rule is authoritative; this difference is shown so it can be considered, not overridden.
In favour
The business reports 24 years in operation and a stated $135,000,000 annual sales base.
The website evidences trained, trusted and insured installers, although the extent and quality of the control are not independently documented.
The computed incurred-to-expiring-premium measure is 26.2%, and computed average incurred per claim is $7,875; these are favorable indicators subject to reconciliation.
The requested $1,000,000/$2,000,000/$2,000,000 primary limits are within routine size, subject to confirmation and correct classification.
Concerns
Class 61212 is lessor’s risk only, area-rated and subject to the insured not being responsible for care and maintenance; the core submission describes active distribution, installation, possible manufacturing and subcontracting.
Dellwood guidance identifies class 61212 as hazard grade L and class 52134 as hazard grade M, with preferred attachment point P and maximum capacity M; the correct class must be resolved before relying on that guidance.
Dellwood excess guidance requires scheduled underlying carriers generally to be rated A- VI or better and requires senior review of the tower and attachment.
The 15-location schedule includes non-core agricultural, vacant-land, retail/workshop and remote-cabin exposures with incomplete rating information.
Business opportunity
Win likelihood Low
The $135,000,000 revenue base, 15 locations and multi-line account offer meaningful brokerage opportunity, but the clearance is blocked, the effective term is unclear and current, and the broker has not supplied a quote-ready controlling submission. Multiple prior carriers and a disclosed expiring premium suggest renewal marketing, but the reason for shopping and competitive position are not established.
Why it is in the market. A specific shopping reason is not established. The file shows multiple prior carriers and a disclosed $240,260 expiring premium, which is consistent with a renewal or remarketing exercise but does not prove broad shopping.
The opportunity is attractive only after separating the core window operation from unrelated or insufficiently described premises and obtaining a coherent casualty tower. The submission quality and clearance block materially reduce near-term desk value.
Account rounding leads
Commercial Property. The account owns or occupies offices, showrooms, storage, warehouse, agricultural and other scheduled premises, creating property and business-interruption opportunities subject to location verification.
Workers Compensation. The account reports 140 full-time employees and supplied workers-compensation loss records.
Commercial Auto. Loss records show employee-driving and vehicle accident activity, but no current vehicle schedule or auto structure was supplied.
Umbrella/Excess Liability. Great American, Westfield and other excess information is present, but the requested participation, underlying limits and tower are unresolved.
EPLI. A 140-employee operation creates employment-practices exposure even though no EPLI information was supplied.
Cyber. If the sales and service operation holds customer, payment or homeowner project data, cyber coverage is a logical account-rounding lead; the submission does not establish the data environment.
Questions for the broker
HighPlease provide the controlling current application and schedule and confirm the insured entity, all named and additional insured entities, and whether the 15 listed locations are all intended GL exposures.The account contains multiple entity, address, suite, ZIP and occupancy discrepancies that affect coverage and rating.
HighWhat operations are actually performed by Window World of Baton Rouge LLC versus affiliates or franchise entities: manufacturing, distribution, sales, installation, service and repair?This determines whether class 61212 is inapplicable and whether 52134, 91746, 91341 or other separate classes are needed.
HighPlease confirm the exact annual gross sales, installation payroll, subcontracted cost and area or acreage for each applicable location, reconciling the stated $135,000,000 sales, $16,559,500 payroll, $18,000,000 subcontracted cost and 23 area exposure.The current rating input is not representative of the described multi-state operation.
HighPlease provide a reconciled five-year loss schedule separating GL, auto, workers compensation and excess, and identify the current status and reserve of each open claim.The current reports show materially different claim counts and totals and cannot support experience rating or excess attachment.
HighWhat written controls govern subcontractor selection, licensing, certificates, additional insured status, indemnity, installation inspection and warranty callbacks?Subcontracted installation is a recurring cause in the reported claims and is the dominant completed-operations control issue.
HighIs the requested program primary GL only, primary plus excess, or a participation in an existing tower, and what are the underlying limits, attachment and scheduled carriers?The excess opinion and Dellwood capacity decision cannot be made without the tower structure.
HighPlease confirm whether ISO GL class 91746 — Door, Window or Assembled Millwork - installation, service or repair - metal applies at location 1, and provide the annual payroll required by its authoritative rating basis (Payroll).The classification can be reviewed now, but a technical premium cannot be calculated until the underwriter confirms the class and the broker supplies its compatible exposure.
HighPlease confirm whether ISO GL class 91341 — Carpentry - interior applies at location 1, and provide the annual payroll required by its authoritative rating basis (Payroll).The classification can be reviewed now, but a technical premium cannot be calculated until the underwriter confirms the class and the broker supplies its compatible exposure.
HighPlease confirm whether ISO GL class 61212 — Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit applies, and provide the square footage or area required by the ISO class required by its authoritative rating basis (Area, Products/Completed Operations are included).The classification can be reviewed now, but a technical premium cannot be calculated until the underwriter confirms the class and the broker supplies its compatible exposure.
MediumDoes the named insured own or maintain the buildings and land at each listed premises, particularly 14007 and 14017 Perkins Road, the agricultural properties and the Fireside Antiques location?Maintenance responsibility affects the applicability of lessor’s-risk classification and the premises exposure.
MediumIs the Colorado cabin and land exposure owned or leased by the named insured, or solely by Bear Cave Cabin, LLC, and is short-term or guest use involved?This may be an unrelated entity or a distinct remote-premises liability exposure requiring separate treatment.
MediumPlease confirm the correct ZIP and suite for the Houston, Lafayette, Richardson and Seminole locations and provide current premises contact information.Public records identify ZIP, suite or municipal-address differences that affect inspection, geocoding and coverage schedule accuracy.
MediumPlease confirm whether current loss runs and litigation disclosures include the federal installation coverage dispute and any Florida auto litigation.The public sources are not carrier claims, but confirmation may affect prior litigation, completed-operations and auto underwriting.
Information still needed
Controlling current application, insured mailing and risk addresses, all 15 locations, entity relationships and ownership or lease responsibilities.
Current effective and expiration dates, final primary and excess participation, underlying limits, attachment, scheduled carriers and carrier ratings.
Underwriter-confirmed ISO classification and location-level exposure bases, including annual gross sales, installation payroll, subcontracted cost, area and acres.
Reconciled five-year GL, auto, workers compensation and excess loss runs with current individual claim detail and reserves.
Subcontractor contracts, certificates, indemnity, licensing and installation quality-control evidence.
Premises construction, protection, maintenance, access, inspection and CAT details for the non-core and public-facing locations.
Confirmation whether the Colorado cabin and Bear Cave Cabin, LLC are intended insured exposures.
UW confirmation of suggested class 91746 — Door, Window or Assembled Millwork - installation, service or repair - metal at location 1, plus annual payroll; premium remains $0 because exposure is unavailable, not because the risk has no premium.
UW confirmation of suggested class 91341 — Carpentry - interior at location 1, plus annual payroll; premium remains $0 because exposure is unavailable, not because the risk has no premium.
UW confirmation of suggested class 61212 — Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit, plus square footage or area required by the ISO class; premium remains $0 because exposure is unavailable, not because the risk has no premium.
What this assessment could not establish. The assessment is based on an incomplete and partially truncated submission. Loss reports mix carriers, lines, policy periods and programs and should not be combined beyond the authoritative computed metrics. The Great American excess report is image-only in the supplied text, and some public property sources are secondary or unverified. The public area-only court and docket items are not carrier claims and are not attributed to scheduled premises. No reliable premises-specific public incident was established. BestPlaces crime scores are advisory context only; unavailable ZIP scores and additional source-page detail were not established. Pricing is provisional, uses the disputed 23.00 area input and the AQUA ISO GL $500 minimum-premium assumption, and is not a bindable quote.
Required underwriting entriesComplete the core values needed to route this submission. GL classification is checked against the authoritative GL reference.
Core routing data
Dates and standard limits are assumed automatically when absent.
▾ Extracted Fields Window World of Baton Rouge LLC — Q218915
Policy and transactionACORD policy term, transaction, and account identifiers
Verify this evidence against the source document before approval.
61212100 %
Source:
EmailBody · Authoritative ISO GL Reference Candidates; provisional primary recommendation · derived value → AiIntake.CasualtyClassCode
Source transcription: “91591 | Contractors - subcontracted work - other than construction-related work” · Normalized: 91591
Verify this evidence against the source document before approval.
Contractors - subcontracted work - other than construction-related work38 %
Source:
EmailBody · Authoritative ISO GL Reference Candidates; provisional primary recommendation · derived value → AiIntake.ClassificationDescription
Source transcription: “91591 | Contractors - subcontracted work - other than construction-related work” · Normalized: Contractors - subcontracted work - other than construction-related work
Verify this evidence against the source document before approval.
Source transcription: “marketing and selling custom-made vinyl windows and vinyl siding for residential and commercial use” · Normalized: Window and siding installation contractor
Source transcription: “Window World of Baton Rouge, LLC” · Normalized: Specific operations not provided
Verify this evidence against the source document before approval.
Window installation and construction services; loss descriptions reference window leaks, faulty window installation, construction defect, and related property damage.86 %
Source transcription: “Peter Rotscheid alleges leaks from three windows resulting in damages.” · Normalized: Window installation and construction services
Window installation and sliding-glass-door installation, with subcontractor involvement90 %
Source transcription: “If only sashes or screen frames are required, the frames of those windows should be completely installed, trimmed and caulked.” · Normalized: Window installation and completion/reorder work includes installing, trimming, caulking, sealing windows, and cleaning debris.
Window installation subcontractor crews install windows for Window World customers.91 %
Source transcription: “Qualified Crew must have appropriate General Liability and Worker’s Comp insurance, and is the legal entity being paid for the windows installed.” · Normalized: Window installation subcontractor crews install windows for Window World customers.
Replacement window installation and related exterior remodeling subcontracting, including window and door removal/installation, siding, soffit, fascia, capping, caulking, trim, flashing, shutters, and limited structural mull work.92 %
Source transcription: “Looking ideally for high volume replacement window sub-contractors... The most typical installation is a single pane aluminum window... Caulk inside... snap on trim... Almost no brake work.” · Normalized: Replacement window installation and related exterior remodeling subcontracting
Residential window and sliding-door installation using subcontractors92 %
Source transcription: “Louisiana Version Installation Contract; Copy of Work Comp and General Liability Policy naming Window World as additional insured” · Normalized: Residential window and sliding-door installation using subcontractors
Independent contractor/subcontractor performing window installation and related service work for Window World of Baton Rouge, including custom-made vinyl windows and vinyl siding for residential and commercial use.94 %
Source transcription: “I am an independent contractor/subcontractor performing duties for Window World of Baton Rouge” · Normalized: Independent contractor/subcontractor performing window installation and related service work for Window World of Baton Rouge, including custom-made vinyl windows and vinyl siding for residential and commercial use.
Residential and light commercial window replacement; installer supplies tools and labor95 %
Source transcription: “large volume window replacement of all types of residential and light commercial windows” · Normalized: Residential and light commercial window replacement; installer supplies tools and labor
Qualified crews are required to maintain General Liability and Workers Compensation insurance.97 %
Source transcription: “Qualified Crew must have appropriate General Liability and Worker’s Comp insurance” · Normalized: Qualified crews are required to maintain General Liability and Workers Compensation insurance.
Installation of vinyl replacement windows and other home improvements for residential and light commercial customers97 %
Source transcription: “perform all labor for home improvement Contracts ... installation of vinyl replacement windows and other home improvements” · Normalized: Installation of vinyl replacement windows and other home improvements for residential and light commercial customers
Window and door remodeling contractor; installation of replacement windows, doors, and siding is performed by insured subcontractors.98 %
Source transcription: “All installation work performed by insured subcontractors. ... Installation of replacement windows, doors, siding” · Normalized: Window and door remodeling contractor; installation of replacement windows, doors, and siding is performed by insured subcontractors.
Additional insured; waiver of subrogation; general liability primary; 30-day cancellation notice except 10 days for nonpayment.98 %
Source:
Acord130 | Fw_ Window World of Baton Rouge LLC- GL and XS Submission, 5_16 effective - Window World- Louisiana Subcontractor Hire Packet.pdf · page 30 · ACORD 101 Additional Remarks · printed text read by vision → AiIntake.DescriptionOfOperations
Source transcription: “Additional Insured: form CG2010 11-85 or combination of CG2010 1001; & CG2037 1001
Waiver of Subrogation; Blanket or Specific form
General liability policy shall be primary to any other coverage in favor of Contractor
30 day notice of cancellation except 10 days for nonpayment” · Normalized: Additional insured; waiver of subrogation; general liability primary; 30-day cancellation notice except 10 days for nonpayment.
Door and window manufacturing; door, window or assembled millwork installation, service or repair; distribution; and construction-related subcontracted work.98 %
Source transcription: “Door or Window Manufacturing - NOC; Contractors-Subcontracted Work in Connection with Construction, Reconstruction, Repair or Erection; Door, Window or Assembled Millwork - Installation, Service or Repair - Metal” · Normalized: Door and window manufacturing; door, window or assembled millwork installation, service or repair; distribution; and construction-related subcontracted work.
Source:
Acord823 | Fw_ Window World of Baton Rouge LLC- GL and XS Submission, 5_16 effective - Acords.pdf · page 20 · Location 15; Occupied Area and Total Building Area · printed text read by vision → AiIntake.SquareFootage
Source transcription: “TOTAL FOR PERIOD ... 372303.83; TOTAL FOR SITE ... 114523.94; TOTAL FOR SITE ... 9658.07” · Normalized: 14 claims; 1 open; incurred 496485.84; paid 160195.31; reserve 336290.53
GL report: 21 claims as of 03/13/2024; auto report: 15 claims for contract effective 07/01/2019, 11 accidents, total incurred 30103.34, total paid 23265.24, expenses 357.00, applied recovery -1026.50; visible listed claims are closed.95 %
Source transcription: “AS OF 31Jan2026; CLAIM PERIOD 01May2024 TO 01May2025; OLD REPUBLIC DED AUTO/GL” · Normalized: Old Republic; 2024-05-01 to 2025-05-01; 11 claims; 3 open; incurred 372303.83; paid 364304.96
Source transcription: “DETAILED LISTING OF ALL OPEN CLAIMS ... TOTAL EXPERIENCE” · Normalized: Nine visible claims; incurred 1880939.48; paid 1880939.48
Source transcription: “TOTAL CLAIMS 05; TOTAL CLAIMS 06; TOTAL CLAIMS 03” · Normalized: 14
Liberty Mutual auto report: 43 claims, 28 accidents, total incurred $352,574.23, total paid $243,011.84, outstanding reserve $109,562.39; visible claims are closed and primarily involve vehicle collisions.96 %
Source transcription: “The A and B Funds are established by actuaries based on each member's five-year loss performance.” · Normalized: Five-year loss performance referenced; claim detail not supplied
Source:
Acord130 | Fw_ Window World of Baton Rouge LLC- GL and XS Submission, 5_16 effective - Window World- Louisiana Subcontractor Hire Packet.pdf · page 29 · General Liability policy number · printed text read by vision → AiIntake.PriorPolicyNumber
59 GL/auto claims and 33 accidents; total incurred 456129.57 and total paid 346567.18. WC report shows 2 claims and total incurred 52279.87.98 %
Source transcription: “Claim Count: 8 ... Total Incurred $326,134.94 ... Total Paid $45,389.02” · Normalized: Liberty Mutual GL loss run valued 03/13/2024: 21 claims across three contract periods, $535,211.42 incurred and $195,693.52 paid.
Source:
Acord130 | Fw_ Window World of Baton Rouge LLC- GL and XS Submission, 5_16 effective - Window World- Louisiana Subcontractor Hire Packet.pdf · page 29 · General Liability policy period · printed text read by vision → AiIntake.PolicyPeriod
Source transcription: “6/18/2013 6/18/2014” · Normalized: 2013-06-18 to 2014-06-18
Source:
EmailBody · Submission context · email text → AiIntake.ParticipationCode
Source transcription: “GL and XS Submission” · Normalized: Both
Window World of Baton Rouge LLC appears to perform window and sliding-door sales and installation/home-improvement contracting, including work at customer premises, ladder use, vehicle operations, and subcontractor involvement. Loss descriptions repeatedly reference faulty or leaking window and door installation, resulting water damage, mold, construction defects, property damage, bodily injury, vehicle accidents, and falls from ladders or elevation. Loss reports reference Baton Rouge, Louisiana; Grand Prairie, Texas; Houston, Texas; Tampa Bay, Florida; and Seminole, Florida, but these are loss locations and are not treated as controlling insured premises or mailing addresses. No ACORD application, controlling address, current policy term, requested limits, deductible, revenue, payroll, employee counts, rating exposure, SIC/NAICS codes, or safety-control information is provided. The authoritative class shortlist has no clearly matching window-installation contractor class; 95625 Handyperson is only a provisional low-confidence candidate requiring underwriting classification review. Participation was reported as Both in one structured extraction result, but no underlying application page was provided to verify the requested primary and excess structure.90 %
No public web page was retrieved or supplied. The submission consists of an email, structured batch results, and multiple loss-run reports; web evidence cannot verify the legal identity, controlling address, operations, ownership, revenue, safety controls, coverage terms, or classification.90 %
Source transcription: “Installers are responsible for all service on assigned jobs for two years after completion.” · Normalized: 2 years after completion
Workers Compensation, General Liability and Auto insurance must be current and on file98 %
Source transcription: “All contractors are required to have current Workmen’s Compensation, General Liability and Auto insurance on file with accounting.” · Normalized: Workers Compensation, General Liability and Auto insurance must be current and on file
Vehicle collision/sideswipe; rear-end chain reaction; strain to lower back98 %
Source transcription: “It is required that Window World be named additional insured on all policies.” · Normalized: Window World must be named additional insured on all policies
Source transcription: “IW WAS DOING THE TRAINING PROGRAM AND A SCREWDRIVER FELL AND BROKE SOME GLASS AND THERE WAS A FAN GOING SO THE FAN BLEW” · Normalized: Worker was doing the training program; a screwdriver fell, broke glass, and a fan blew.
Source transcription: “HOMEOWNER HAD A LOOSE PIECE OF WOOD AND THE EMPLOYEE TRIPPED ON THE WOOD AND FELL” · Normalized: Employee tripped on a loose piece of wood and fell.
Worker was opening a box with a box cutter and cut himself.99 %
Source transcription: “IW WAS OPENING A BOX WITH A BOX CUTTER AND CUT HIMSELF” · Normalized: Worker was opening a box with a box cutter and cut himself.
Other driver darted across four lanes of traffic, resulting in a collision.99 %
Source transcription: “OTHER DRIVER DARTED ACROSS FOUR LANES OF TRAFFIC RESULTING IN A COLLISION” · Normalized: Other driver darted across four lanes of traffic, resulting in a collision.
Source transcription: “TYPE: 1704 Vehicle Accident ... NAT-BI: 9072 Strain ... DESC: THE EE WAS DRIVING THE MIDDLE VEHICLE INVOLVED IN A THREE VEHICLE COLLISION. THE EE SUSTAINED A LUMBAR STRAIN AND A THORACIC SPINE” · Normalized: Vehicle accident; lumbar strain and thoracic spine injury in three-vehicle collision
Source transcription: “IW WAS FIXING A TRAILER WHEN A MOTOR VEHICLE COLLIDED WITH THE TRAILER, PINNING IW BETWEEN THE TRAILER AND TRUCK” · Normalized: Worker was fixing a trailer when a motor vehicle collided with the trailer, pinning the worker between the trailer and truck.
Source transcription: “EMPLOYEE WAS WEARING A WRIST BRACE ON HER LEFT HAND WHEN ASKED BY HER SUPERVISOR IF SHE HURT HERSELF SHE RESPONDED THAT” · Normalized: Employee wore a wrist brace on the left hand and reported a bodily reaction when asked if she hurt herself.
Source transcription: “WHILE ATTEMPTING TO CUT OUT A BALANCE SPRING ON A WINDOW, THE KNIFE SLIPPED AND CUT THE PINKY FINGER ON HIS LEFT HAND” · Normalized: Knife slipped while cutting a balance spring on a window and cut the worker's pinky finger.
Source transcription: “IW WAS USING A WINDOW HAMMER WHEN ALL OF A SUDDEN THE HAMMER HIT IW WORKERS FRONT LEFT TOOTH” · Normalized: Worker was using a window hammer when the hammer hit the worker's front left tooth.
Source transcription: “IW WAS WORKING WITH A WINDOW HAMMER WHEN ALL OF SUDDEN THE HAMMER HIT IW'S TOOTH” · Normalized: Worker was using a window hammer when it hit the worker's tooth.
Source transcription: “TYPE: 1704 Vehicle Accident ... NAT-BI: 9072 Strain ... DESC: THE EE WAS DRIVING THE FRONT VEHICLE INVOLVED IN A THREE VEHICLE COLLISION. THE EE SUSTAINED A CERVICAL STRAIN.” · Normalized: Vehicle accident; cervical strain in three-vehicle collision
Employee injured shoulder while picking up a large window.99 %
Source transcription: “EMPLOYEE INJURED HIS SHOULDER WHEN HE WAS PICKING UP A LARGE WINDOW” · Normalized: Employee injured shoulder while picking up a large window.
How to review a conflictRead the finding, open the referenced source, then enter the value that should control the submission. Waive only when the difference is acceptable and documented.
What the AI found The supplied material contains no ACORD application or other controlling source for the insured address, policy term, requested limits, deductible, revenue, payroll, or locations. Several loss-run summaries identify addresses and loss sites, but those addresses cannot be adopted as the controlling insured or mailing address.
What the submission should say Use the verified mailing or principal address selected by BPO, and record the other address as an explanation if needed.
What the AI found The structured batch extraction document was truncated, so additional attachment names, pages, loss totals, or application values may be present in omitted content and could not be independently reconciled.
What the submission should say Choose and record the value that should control the submission.
What the AI found The authoritative shortlist has no clearly matching window-installation or home-improvement contractor classification. 95625 Handyperson is the closest available candidate but is provisional and may not reflect construction-related window installation or subcontracted work.
What the submission should say Use the policy dates confirmed by BPO as applying to this submission.
What the AI found The structured extraction results report participation as Both in one batch result, while other extracted results show participation as null and no underlying application page is available to verify the requested primary and excess structure.
What the submission should say Choose and record the value that should control the submission.
What the AI found Loss-history results conflict materially because they represent different carriers, lines of business, policy periods, and possibly underlying versus excess programs. Examples include AmTrust, Great American, Liberty Mutual, and Old Republic totals. A single consolidated claim count or total incurred amount cannot be determined from the supplied batch results.
What the submission should say Use the policy dates confirmed by BPO as applying to this submission.
What the AI found The attachment filenames reference ACORD 131 or ACORD 147, but the rendered/content descriptions identify carrier loss-run or claim-register reports rather than visibly printed ACORD forms. No ACORD form data should be used for applicant, coverage, location, or exposure fields.
What the submission should say Choose and record the value that should control the submission.
Broker correspondenceCreate an editable information request, save it as a draft, and retain the complete broker exchange on this submission.
Email message
Waiting for a reply. Reference: AISUB-37b1980d5e62425080cff95c862d2802
Correspondence history 2
OutboundInformation requested — Window World of Baton Rouge LLC (Q218915)Draft · Oct 2, 2026 2:04 PM
From: Not recorded
To: gesparaz@onesysins.com
Hello,
Thank you for submitting Window World of Baton Rouge LLC. Before we can complete our underwriting review, please provide or confirm the following.
Missing information and documents
Controlling current application, insured mailing and risk addresses, all 15 locations, entity relationships and ownership or lease responsibilities.
Current effective and expiration dates, final primary and excess participation, underlying limits, attachment, scheduled carriers and carrier ratings.
Underwriter-confirmed ISO classification and location-level exposure bases, including annual gross sales, installation payroll, subcontracted cost, area and acres.
Reconciled five-year GL, auto, workers compensation and excess loss runs with current individual claim detail and reserves.
Subcontractor contracts, certificates, indemnity, licensing and installation quality-control evidence.
Premises construction, protection, maintenance, access, inspection and CAT details for the non-core and public-facing locations.
Confirmation whether the Colorado cabin and Bear Cave Cabin, LLC are intended insured exposures.
UW confirmation of suggested class 91746 — Door, Window or Assembled Millwork - installation, service or repair - metal at location 1, plus annual payroll; premium remains $0 because exposure is unavailable, not because the risk has no premium.
UW confirmation of suggested class 91341 — Carpentry - interior at location 1, plus annual payroll; premium remains $0 because exposure is unavailable, not because the risk has no premium.
UW confirmation of suggested class 61212 — Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit, plus square footage or area required by the ISO class; premium remains $0 because exposure is unavailable, not because the risk has no premium.
Questions requiring your response
Please provide the controlling current application and schedule and confirm the insured entity, all named and additional insured entities, and whether the 15 listed locations are all intended GL exposures.
What operations are actually performed by Window World of Baton Rouge LLC versus affiliates or franchise entities: manufacturing, distribution, sales, installation, service and repair?
Please confirm the exact annual gross sales, installation payroll, subcontracted cost and area or acreage for each applicable location, reconciling the stated $135,000,000 sales, $16,559,500 payroll, $18,000,000 subcontracted cost and 23 area exposure.
Please provide a reconciled five-year loss schedule separating GL, auto, workers compensation and excess, and identify the current status and reserve of each open claim.
What written controls govern subcontractor selection, licensing, certificates, additional insured status, indemnity, installation inspection and warranty callbacks?
Is the requested program primary GL only, primary plus excess, or a participation in an existing tower, and what are the underlying limits, attachment and scheduled carriers?
Please confirm whether ISO GL class 91746 — Door, Window or Assembled Millwork - installation, service or repair - metal applies at location 1, and provide the annual payroll required by its authoritative rating basis (Payroll).
Please confirm whether ISO GL class 91341 — Carpentry - interior applies at location 1, and provide the annual payroll required by its authoritative rating basis (Payroll).
Please confirm whether ISO GL class 61212 — Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit applies, and provide the square footage or area required by the ISO class required by its authoritative rating basis (Area, Products/Completed Operations are included).
Does the named insured own or maintain the buildings and land at each listed premises, particularly 14007 and 14017 Perkins Road, the agricultural properties and the Fireside Antiques location?
Is the Colorado cabin and land exposure owned or leased by the named insured, or solely by Bear Cave Cabin, LLC, and is short-term or guest use involved?
Please confirm the correct ZIP and suite for the Houston, Lafayette, Richardson and Seminole locations and provide current premises contact information.
Please confirm whether current loss runs and litigation disclosures include the federal installation coverage dispute and any Florida auto litigation.
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Please reply directly to this email and attach any supporting documents. Your response will be retained with the submission record.
Thank you.
OutboundInformation requested — Window World of Baton Rouge LLC (Q218915) [AISUB-37b1980d5e62425080cff95c862d2802]Sent · Oct 2, 2026 2:03 PM
From: submission@onesysins.com
To: gesparaz@onesysins.com
Hello,
Thank you for submitting Window World of Baton Rouge LLC. Before we can complete our underwriting review, please provide or confirm the following.
Missing information and documents
Controlling current application, insured mailing and risk addresses, all 15 locations, entity relationships and ownership or lease responsibilities.
Current effective and expiration dates, final primary and excess participation, underlying limits, attachment, scheduled carriers and carrier ratings.
Underwriter-confirmed ISO classification and location-level exposure bases, including annual gross sales, installation payroll, subcontracted cost, area and acres.
Reconciled five-year GL, auto, workers compensation and excess loss runs with current individual claim detail and reserves.
Subcontractor contracts, certificates, indemnity, licensing and installation quality-control evidence.
Premises construction, protection, maintenance, access, inspection and CAT details for the non-core and public-facing locations.
Confirmation whether the Colorado cabin and Bear Cave Cabin, LLC are intended insured exposures.
UW confirmation of suggested class 91746 — Door, Window or Assembled Millwork - installation, service or repair - metal at location 1, plus annual payroll; premium remains $0 because exposure is unavailable, not because the risk has no premium.
UW confirmation of suggested class 91341 — Carpentry - interior at location 1, plus annual payroll; premium remains $0 because exposure is unavailable, not because the risk has no premium.
UW confirmation of suggested class 61212 — Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit, plus square footage or area required by the ISO class; premium remains $0 because exposure is unavailable, not because the risk has no premium.
Questions requiring your response
Please provide the controlling current application and schedule and confirm the insured entity, all named and additional insured entities, and whether the 15 listed locations are all intended GL exposures.
What operations are actually performed by Window World of Baton Rouge LLC versus affiliates or franchise entities: manufacturing, distribution, sales, installation, service and repair?
Please confirm the exact annual gross sales, installation payroll, subcontracted cost and area or acreage for each applicable location, reconciling the stated $135,000,000 sales, $16,559,500 payroll, $18,000,000 subcontracted cost and 23 area exposure.
Please provide a reconciled five-year loss schedule separating GL, auto, workers compensation and excess, and identify the current status and reserve of each open claim.
What written controls govern subcontractor selection, licensing, certificates, additional insured status, indemnity, installation inspection and warranty callbacks?
Is the requested program primary GL only, primary plus excess, or a participation in an existing tower, and what are the underlying limits, attachment and scheduled carriers?
Please confirm whether ISO GL class 91746 — Door, Window or Assembled Millwork - installation, service or repair - metal applies at location 1, and provide the annual payroll required by its authoritative rating basis (Payroll).
Please confirm whether ISO GL class 91341 — Carpentry - interior applies at location 1, and provide the annual payroll required by its authoritative rating basis (Payroll).
Please confirm whether ISO GL class 61212 — Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit applies, and provide the square footage or area required by the ISO class required by its authoritative rating basis (Area, Products/Completed Operations are included).
Does the named insured own or maintain the buildings and land at each listed premises, particularly 14007 and 14017 Perkins Road, the agricultural properties and the Fireside Antiques location?
Is the Colorado cabin and land exposure owned or leased by the named insured, or solely by Bear Cave Cabin, LLC, and is short-term or guest use involved?
Please confirm the correct ZIP and suite for the Houston, Lafayette, Richardson and Seminole locations and provide current premises contact information.
Please confirm whether current loss runs and litigation disclosures include the federal installation coverage dispute and any Florida auto litigation.
Please reply directly to this email and attach any supporting documents. Your response will be retained with the submission record.
Thank you.
Original Source EmailReview the email and attached documents used by the AI.
→
Information requested — Window World of Baton Rouge LLC (Q218915) [AISUB-37b1980d5e62425080cff95c862d2802]
Use this only when a rule or underwriting decision means the submission should not proceed. It will be sent to the original submitter and recorded in the audit trail.
Suggested reason — AI and clearance rules prepared this wording for you. Review and edit it before sending.
Approval is currently unavailable: This submission is already in IN UNDERWRITING.
Quote NoQ218915
AQUA Submission ID157813
AQUA Quotation ID157785
▾ Review audit trail 30 events
UnderwriterPricingScenario · Underwriter
Oct 2, 2026 2:11 PM
Underwriter set scenario commission to 17.5%.
UnderwriterPricingScenario · Underwriter
Oct 2, 2026 2:10 PM
Underwriter updated location 1: class 91746, exposure 50,000.
UnderwriterPricingScenario · Underwriter
Oct 2, 2026 2:09 PM
Underwriter set scenario commission to 10%.
UnderwriterPricingScenario · Underwriter
Oct 2, 2026 2:09 PM
Underwriter updated location 1: class 91341, exposure 500,000.
Clarification requested from broker · BPO
Oct 2, 2026 2:03 PM
Broker information request sent to gesparaz@onesysins.com. Reference AISUB-37b1980d5e62425080cff95c862d2802. Subject: Information requested — Window World of Baton Rouge LLC (Q218915) [AISUB-37b1980d5e62425080cff95c862d2802]
UnderwriterPricingScenario · System
Oct 2, 2026 12:41 PM
Pricing scenario catalog metadata repaired for class(es) 91341, 91746, 61212.
Automatic underwriter handoff email sent to gesparaz@onesysins.com.
Submitted to AQUA · System
Oct 2, 2026 11:41 AM
AQUA Staging Gateway accepted submission. SubmissionId=157813, QuotationId=157785.
Approved for underwriting · System
Oct 2, 2026 11:41 AM
Automatically approved for underwriting with valid named insured, complete insured address, and authoritative GL class; remaining warnings retained for underwriter review.
Workflow stage completed · System
Oct 2, 2026 11:41 AM
Class-and-named-insured approval override moved the submission from BPO_BLOCKED to review; other warnings remain visible to underwriting.
Workflow stage completed · AI
Oct 2, 2026 11:41 AM
AI pipeline complete with outstanding blocking condition(s); routed to BPO_BLOCKED.
Conflict resolved · System
Oct 2, 2026 11:41 AM
Automatically accepted and waived source difference 'Ambiguity (med)' by configuration.
Conflict resolved · System
Oct 2, 2026 11:41 AM
Automatically accepted and waived source difference 'Ambiguity (med)' by configuration.
Conflict resolved · System
Oct 2, 2026 11:41 AM
Automatically accepted and waived source difference 'Ambiguity (med)' by configuration.
Conflict resolved · System
Oct 2, 2026 11:41 AM
Automatically accepted and waived source difference 'Ambiguity (high)' by configuration.
Conflict resolved · System
Oct 2, 2026 11:41 AM
Automatically accepted and waived source difference 'Ambiguity (high)' by configuration.
Conflict resolved · System
Oct 2, 2026 11:41 AM
Automatically accepted and waived source difference 'Ambiguity (high)' by configuration.
AutoFieldStatusApproved · System
Oct 2, 2026 11:41 AM
Automatically confirmed 56 populated and validation-eligible field-status review item(s) by configuration.
AutoClearanceOverride · System
Oct 2, 2026 11:41 AM
Review assumptions applied: effective date assumed as 10/02/2026; expiration date assumed as 10/02/2027 for a 12-month term.
Field corrected · System
Oct 2, 2026 11:41 AM
Classification normalized to authoritative GL_Class row 61212 - Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit; composite AI candidate values were reconciled automatically.
Extraction ran via NTiO (model=gpt-5.6-luna). 512 field(s) keyed. Quote readiness 13/15 -- quote ready. Missing fields flagged by model: Current effective date, Current expiration date, Controlling insured mailing and risk address, Broker agent name, Broker email, Transaction type, Requested primary/excess participation confirmation, Requested GL each-occurrence limit, Requested GL general-aggregate limit, Products/completed-operations aggregate limit, Personal and advertising injury limit, Damage to premises rented limit, Medical payments limit, GL deductible and deductible basis, Confirmed ISO GL class code, Rating exposure amount and authoritative rating basis, Annual gross sales, Annual payroll, Subcontracted cost, Full-time and part-time employee counts, Years in business, SIC code, NAICS code, Complete operations description and premises schedule, Building square footage or statement of values where relevant, Prior policy number, Expiring premium, Reconciled five-year loss history by carrier, line, and policy period, Complete individual claim detail for all supplied loss programs.
ProvisionalClassificationAssigned · AI
Oct 2, 2026 11:38 AM
AI assigned provisional ISO GL class 61212 - Buildings or Premises - bank or office - mercantile or manufacturing (lessor's risk only) - Other than Not-For-Profit (confidence 100 %). The authoritative catalog row is valid; underwriting may reclassify it.
Workflow stage completed · AI
Oct 2, 2026 11:38 AM
ACORD working-file detail extracted: 15 location(s), 1 valid class exposure(s), 27 hazard(s), and 29 coverage row(s).
Workflow stage completed · AI
Oct 2, 2026 11:38 AM
ACORD schedule consolidation transcribed 15 printed premises candidate(s) and 8 class/exposure row(s); normalization retained 15 populated or evidence-referenced location(s).
Workflow stage completed · AI
Oct 2, 2026 11:30 AM
Persisted complete document-level AI evidence payloads for 14 source document(s) before submission normalization.