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.
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 Sep 2, 2026 12:03 AM using gpt-5.6-sol.
Operations
Established Hawaii contractor performing residential and commercial roofing, reroofing, leak repair, waterproofing, gutter/downspout work, and sheet-metal work. Reported mix is 85% roofing, 10% waterproofing, and 5% sheet metal, with jobs generally ranging from $800 to $12,000. The broker reports all work is employee-performed, although the supplemental application contains conflicting subcontractor information. Public materials also describe crane/rigging, pressure washing, carpentry, fabrication, and emergency roof-tarping services that require confirmation within the insured exposure.
Risk narrative
Decline for this program based on explicit Dellwood liability prohibitions for both scheduled roofing classes, with Premises/Operations and Products/Completed Operations authority marked P. The physical exposure is elevated: employee roofing at residential, commercial, condominium, and institutional projects creates fall, dropped-object, open-roof, water-intrusion, hot-work, and completed-operations severity, while no formal safety program is evidenced. Five supplied NEXT periods show no claims, but the pending 2021–2022 Burlington run prevents a fully continuous historical view. Material unresolved items include contradictory subcontractor reporting, commercial-versus-residential payroll allocation, an unexplained 100-employee/$202,000-payroll relationship, missing deductible terms, and incomplete premises details. No verified public incident at the scheduled premises was established; the BestPlaces ZIP score is surrounding context only.
Hazards severity and frequency graded separately — they drive different decisions
Roofing creates potentially fatal employee falls and third-party liability from falling workers, tools, or materials. Weak documented controls materially increase primary and excess severity concerns.
Controls noted: The broker reports that work is performed by insured employees, and the application identifies cones, signs, and barricades as public-protection measures.
Control gaps: No formal written safety program is reported. Evidence of fall-protection procedures, competent-person oversight, ladder/scaffold inspection, employee training, OSHA history, and enforcement documentation was not supplied.
A failed temporary covering or defective installation can cause substantial interior property damage, business interruption allegations, and delayed completed-operations losses.
Controls noted: Operations include reroofing, leak repair, waterproofing, coatings, and emergency roof tarping; recent submitted projects are relatively modest in value.
Control gaps: No procedures were evidenced for weather monitoring, temporary dry-in, overnight open-roof protection, moisture testing, post-work inspection, warranty handling, or photographic documentation.
Dellwood prohibits hot tar/torch-down operations exceeding 15%. Even below that threshold, fire severity can be significant and the percentage must be confirmed.
Controls noted: None specifically evidenced.
Control gaps: The submission does not quantify hot tar or torch-down work or document hot-work permits, fire watch, extinguishers, cooling periods, or combustible-material separation.
Dropped loads, crane contact, or rigging failure can produce severe third-party bodily injury and property damage and may require separate classification or underwriting treatment.
Controls noted: Published materials describe crane and rigging services associated with the operation.
Control gaps: No equipment schedule, operator qualifications, inspection records, lift plans, subcontracting details, contractual risk transfer, or maximum lift information was supplied.
Sharp materials, powered equipment, falling gutters, water damage, and ancillary work expand the exposure beyond straightforward shingle installation and require confirmation of classification treatment.
Controls noted: The broker allocates 5% to sheet-metal work and describes gutter/downspout installation and repair. The contractor license includes sheet metal and waterproofing.
Control gaps: No machinery, shop-control, pressure-washing, overspray, runoff, or non-roofing payroll detail was supplied.
Work is performed at residences, commercial premises, condominiums, and potentially institutional locations where occupants and visitors may remain present during roofing activities.
Controls noted: The application identifies cones, signs, and roped or barricaded areas as precautions.
Control gaps: No evidence was supplied regarding site-specific access plans, spotters, overhead protection, after-hours security, occupied-building procedures, or customer complaint controls.
Overall grade 4/5. Elevated grade due to routine work at height, public and occupied-site exposure, crane/rigging indications, and meaningful fire, water-intrusion, and completed-operations severity. The absence of a documented formal safety program compounds the physical hazard.
Catastrophe exposure
The Hawaii operation implies tropical-cyclone, high-wind, and wind-driven-rain exposure, particularly for open-roof work and emergency tarping. No site-specific catastrophe score, construction, protection, or business-continuity information was supplied, so accumulation and control quality cannot be quantified.
Loss analysis Stable5 yr(s) supplied
Five supplied NEXT policy periods show $0 incurred and no reported claims; experience is favorable but the pending 2021–2022 Burlington run prevents a fully continuous clean-record conclusion.
| Policy year | Claims | Paid | Reserved | Incurred |
|---|---|---|---|---|
| 09/21/2022-09/21/2023 | 0 | $0 | — | $0 |
| 09/21/2023-09/21/2024 | 0 | $0 | — | $0 |
| 09/21/2024-09/21/2025 | 0 | $0 | — | $0 |
| 09/21/2025-09/21/2026 | 0 | $0 | — | $0 |
| 09/21/2026-09/21/2027 | 0 | $0 | — | $0 |
- Moderate The broker states the 2021–2022 Burlington loss run is pending, leaving the requested historical record incomplete despite five NEXT periods being supplied.
- Moderate The supplemental application identifies Kinsale as current carrier, while the supplied reports are issued for NEXT policies; carrier chronology must be reconciled.
- Low The 2026–2027 period is prospective as of the August 28, 2026 valuation date and contributes no mature earned experience.
Appetite view Decline
The deterministic rule referred the risk under DEFAULT-REFER, but the more specific current Dellwood guidance for both scheduled roofing classes marks Premises/Operations and Products/Completed Operations authority P. Because an explicit prohibition cannot be overridden by favorable factors, the underwriting view is Decline for this program. The subcontractor conflict is additionally material because subcontracted exposure over 40% is expressly prohibited.
The guideline rule returned ReferToUw (DEFAULT-REFER). The rule is authoritative; this difference is shown so it can be considered, not overridden.
In favour
- Five supplied NEXT periods report no claims and $0 incurred.
- The operation has a documented contractor-licensing history and current roofing, sheet-metal, and waterproofing classifications through September 30, 2026.
- Reported annual sales of $1,402,000 and recent project values of $800 to $12,000 suggest a relatively modest account size.
- The broker attributes marketing to increased incumbent pricing rather than loss activity.
- The submitted work breakdown appears to place repair operations below the 60% prohibited threshold, subject to confirmation.
Concerns
- Classes 98677 and 98678 show P authority for Premises/Operations and Products/Completed Operations.
- Day labor is prohibited; use has not been confirmed.
- Hot tar/torch-down operations over 15% are prohibited; the percentage is not supplied.
- Repair operations over 60% are prohibited; the submitted breakdown appears below that threshold but requires confirmation of treatment for conversions and emergency work.
- Subcontracted exposure over 40% is prohibited, and the file contains a material 0% versus 100% conflict.
- Required forms include wrap-up, land movement, common-interest dwelling conversion, conditional open-roof, wildfire, EIFS, contractors professional liability, and an applicable residential construction exclusion.
Business opportunity Win likelihood Moderate
The broker supplied an expiring premium, target rate, current loss runs, detailed operations, and a near-term effective date, indicating a live pricing opportunity. Win potential is limited because the requested target must be reconciled with the technical indication, the file is blocked and incomplete, and the scheduled liability classes are prohibited in this program.
Why it is in the market. The broker states the account is being marketed because of increased incumbent pricing rather than losses or coverage availability. The disclosed request for a $120–$130 payroll rate indicates price sensitivity.
There is portfolio presence for this class and Hawaii geography, but the historical portfolio premium lacks compatible exposure and was not used for pricing. The explicit class prohibition and incomplete submission materially reduce desk value despite a live broker opportunity.
Account rounding leads
- Workers Compensation. The submission reports employee-performed roofing and 100 full-time employees, creating a material work-at-height employee injury exposure.
- Commercial Auto. Roofing crews, tools, materials, gutters, and emergency-response work imply vehicle use, although no vehicle schedule was supplied.
- Inland Marine / Contractors Equipment. Roofing tools, sheet-metal equipment, rigging gear, and potentially mobile equipment may require scheduled or blanket equipment coverage.
- Property. The insured is a tenant and may store tools, roofing materials, or fabrication equipment at the scheduled premises; building use and contents remain unconfirmed.
- Umbrella / Excess. Falls from height, dropped loads, crane/rigging, fire, and completed-operations water damage create severity above primary limits if an acceptable underlying placement is secured.
- Cyber. The business maintains a website and customer contact information, creating a potential need for basic privacy, funds-transfer, and business-interruption protection.
Questions for the broker
- High Please reconcile the supplemental application's 100% subcontractor response with the email's statement that all work is employee-performed, and provide the actual subcontracted percentage and annual cost.Subcontracted exposure over 40% is prohibited, and any subcontracting changes classification and contractual-risk-transfer requirements.
- High Please confirm annual payroll by class: residential roofing on strictly residential buildings three stories and under versus commercial, mixed-use, or residential-over-three-story roofing.The current AQUA ISO GL indication rates all 202,000 payroll under 98678, while the ACORD schedules $40,040 under 98677.
- High Please reconcile the reported 100 full-time employees with $202,000 annual payroll and provide the current employee count and projected auditable payroll.The relationship may indicate a material payroll or employee-count error affecting exposure and premium adequacy.
- High What percentage of work involves hot tar or torch-down methods, and is any day labor used?Day labor and hot tar/torch-down above 15% are explicit prohibited conditions.
- High Please provide the pending 2021–2022 Burlington GL loss run and explain the Kinsale, NEXT, and Burlington policy chronology.This is necessary to establish continuous loss experience and verify the expiring carrier.
- High Do you own or operate cranes or rigging equipment, or subcontract lifts? Please provide equipment, operators, maximum lift/height, annual receipts or payroll, and contractual controls.Crane and rigging services materially increase severity and may require separate classification or an alternative market.
- High Please confirm the percentage of repair operations, treatment of apartment-to-condominium conversion work, and whether all stated OCIP work is excluded from this policy.Repair work over 60% is prohibited, and common-interest dwelling conversions and wrap-up work trigger required forms and completed-operations concerns.
- Medium Please describe the business use of 89-213 Lepeka Avenue, including storage, fabrication, customer access, vehicles, employees onsite, square footage, construction, protection, and tenant-controlled areas.The submission does not provide enough premises information to assess storage, fabrication, access, or loss controls.
- Medium What deductible and deductible basis are requested for GL?The terms are required to validate pricing and coverage structure.
Information still needed
- Written confirmation of the actual employee-performed and subcontracted percentages and subcontracted cost.
- Audited or projected payroll reconciled to the reported 100 full-time employees.
- Confirmed payroll allocation between classes 98678 and 98677.
- Confirmation whether crane/rigging, pressure washing, carpentry, fabrication, or other ancillary operations require separate classification; no supported candidate class was supplied for these operations.
- Percentage of hot tar/torch-down work and confirmation that no day labor is used.
- Formal safety program and fall-protection, hot-work, and open-roof procedures.
- Pending 2021–2022 Burlington GL loss run and explanation of the Kinsale/NEXT/Burlington carrier chronology.
- Requested GL deductible and deductible basis.
- Correct rating ZIP and territory, given the 96707 mailing address and 96792 scheduled premises.
- Premises construction, protection, square footage, storage, fabrication, public access, and tenant-controlled area details.
- Confirmation of repair percentage, condominium-conversion exposure, and OCIP/wrap-up treatment.
- Confirmation of the submitting broker, agency, and authorized retail/wholesale chain.
- Requested excess limits, attachment, underlying auto limits, and vehicle schedule if excess consideration is desired.
What this assessment could not establish. The assessment relies on a detailed but internally inconsistent submission. No verified public police, fire, court, or news incident at the scheduled premises was supplied. The address-level residential property profile is an unverified commercial-source description and was not treated as a premises incident or underwriting conclusion. BestPlaces detail beyond the 21.10 score for ZIP 96707 was not established, and no score was supplied for scheduled-premises ZIP 96792; crime context was not used as a standalone pricing or eligibility factor. Site-specific construction, protection, catastrophe data, auto exposure, equipment details, and excess tower information are unavailable. The current licensing evidence runs through September 30, 2026 only.
The authoritative class shortlist does not provide a rating basis, while the ACORD schedule and broker request use payroll as the rating basis. Confirm that payroll is the applicable basis for the selected class.
Use the broker or agency identity confirmed by BPO from the source email and application.
The loss-run report supplies five periods beginning 09/21/2022, but the broker states that the 2021-2022 Burlington loss run is pending; the requested historical record is therefore incomplete.
Use the broker or agency identity confirmed by BPO from the source email and application.
The ACORD 126 schedule directly prints commercial roofing class 98677 in addition to residential roofing class 98678. The authoritative candidate shortlist contains 98678 but not 98677; the commercial class requires full-catalog confirmation.
Use the policy dates confirmed by BPO as applying to this submission.
The submission identifies Risk Placement Services/RPS-Honolulu and David Hood in the email, while the supplemental application identifies CRC Group as brokerage, Insurance Associates Inc as agency, and Allen Wada as agent/broker.
Use the broker or agency identity confirmed by BPO from the source email and application.
The email states all work is performed by employees and subcontracted cost is 0, while the supplemental application checks Subcontractor at 100%; another section states 100% employee-performed work.
Choose and record the value that should control the submission.
The ACORD application indicates a business start date of 09/10/2010, while the broker email states the business has been operating since 2011.
Use the broker or agency identity confirmed by BPO from the source email and application.
Expiring insurance information differs across documents: the supplemental application reports Kinsale with premium 22240, while the loss-run report identifies NEXT General Liability.
Choose and record the value that should control the submission.
From:
David Hood <David_Hood@rpsins.com>
Date: Tuesday, September 1, 2026 at 4:16 AM
To: Contract Submissions <contractsubmissions@dellwood.com>
Subject: Action Roofing Hawaii LLC [SYS*REF#9364737]
Resent-From: <ygaton@newtecemail.com>
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CAUTION: External e-mail. |
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CAUTION: External e-mail. |
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CAUTION: This email originated from outside your organization. Exercise caution when opening attachments or clicking links, especially from unknown senders.
Hi Jennifer,
Please consider the attached submission for Commercial General Liability coverage effective
09/21/2026.
Risk Overview
- Established Hawaii roofing contractor in business since 2011.
- Insured has been licensed since 2010 under Hawaii Contractor License CT-32151.
- Agency has serviced the account since 2017 and reports a clean history throughout that period.
- Performs residential and commercial roofing throughout Hawaii.
- Account is being marketed due to increased incumbent pricing, not loss activity.
- All work is performed by the insured’s employees.
- No subcontracted work.
Operations
- Roofing: 85%
- Waterproofing: 10%
- Sheet metal: 5%
- Operations include new roofing, reroofing, roof leak repairs, gutter installation and repair, downspouts, and related waterproofing work.
- Recent projects range from approximately $800 to $12,000.
Work Breakdown
- New residential, single-family tract: 5%
- New residential, single-family custom: 40%
- New residential, condominium/townhouse: 5%(this should be in ocip)
- New commercial construction: 5%
- Residential repair/remodel, single-family tract: 5%
- Residential repair/remodel, single-family custom: 25%
- Residential repair/remodel, condominium/townhouse: 5%
- Apartment-to-condominium conversions: 5%
- Commercial residential repair/remodel: 5%
Exposures
- Estimated annual gross receipts: $1,402,000
- Estimated employee payroll: $202,000
- Residential roofing payroll: $161,000
- Commercial roofing payroll: $40,040
- Cost of subcontracted work: $0
Loss History
- Loss runs attached, valued 08/28/2026.
- No CGL losses reported for the policy periods beginning 09/21/2022 through the current term.
- The 2021–2022 Burlington loss run is pending and will follow shortly.
Current Coverage
- Would we be able to quote this at a $120-$130 rate based on payroll?
- Coverage is being marketed due to rate, not coverage availability or loss experience.
Requested Coverage
- Occurrence form
- $1,000,000 Each Occurrence
- $2,000,000 General Aggregate
- $2,000,000 Products and Completed Operations Aggregate
- $1,000,000 Personal and Advertising Injury
- Blanket Additional Insured
- Blanket Waiver of Subrogation
- Primary and Noncontributory wording
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[www.rpsins.com] |
David Hood CPCU, ARM, ARe, AU |
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- Appetite No class is confirmed yet, so appetite cannot be checked.
- SIC / NAICS Neither an SIC nor a NAICS code was stated in the submission.
Required fields complete · critical fields reviewed · conflicts resolved or waived · routing confirmed.
Use this only when a rule or underwriting decision means the submission should not proceed. It will be sent to GYEArchives@onesysins.com 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: Approval is available under the configured class-only underwriting override; remaining warnings will be retained for underwriter review.