Underwriting Guidelines and Appetite
This dataset provides a comprehensive view of underwriting guidelines, including acceptance criteria, risk appetite, declination reasons, referral triggers, authorization limits, and automated underwriting rules by line of business and risk segment. It enables insurers to standardize, analyze, and automate underwriting processes, ensuring compliance and consistency across products and segments.
Sample rows
preview · 8 of 600 rows · all 17 columns| guideline_idstring | line_of_businessstring | authorization_limit_amountfloat | risk_segmentstring | authorization_limit_currencystring | effective_datedate | expiry_datedate | statusstring | created_bystring | created_atdatetime | last_modified_bystring | last_modified_atdatetime | acceptance_criteriastring | risk_appetitestring | declination_reasonsstring | referral_triggersstring | automated_underwriting_rulesstring |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| GL-00001 | Property | 7500000 | High Net Worth | USD | 2022-07-01 | 2025-07-01 | Active | j.smith | 2022-06-20T09:15:00 | j.smith | 2023-03-17T15:30:00 | Property value above $2,000,000, recent renovations within last 5 years, no major claims history, must have certified fire protection systems. | Preferred for properties with advanced security and fire protection. Excludes flood and wildfire zones, historic buildings with unmitigated risk. | Major prior claims, property located in flood zone, incomplete documentation. | Property value above $10,000,000, historic building status, machinery value above $1,000,000. | Auto-decline for flood zones. Instant approval if monitored alarm system is present and no claims in past 5 years. |
| GL-00002 | Health | 250000 | SME Employees | CAD | 2023-01-10 | 2025-01-10 | Active | a.patel | 2023-01-09T10:00:00 | a.patel | 2023-04-12T11:20:00 | Employee count between 20 and 200, insured individuals aged 22-65, must provide annual health screenings. | Preferred for companies with preventive wellness programs. Excludes industries with high workplace injury rates. | No wellness program, high incidence of prior claims, incomplete employee health records. | Employee count above 500, history of occupational illnesses, absence of safety certifications. | Auto-approve for companies with certified wellness program. Flag for manual review if prior claims ratio exceeds 5%. |
| GL-00003 | Auto | 50000 | Young Drivers | GBP | 2024-03-01 | 2026-03-01 | Active | r.jones | 2024-02-25T08:40:00 | blank | blank | Driver age between 17 and 25, vehicle age less than 10 years, clean driving record for last 3 years. | Preferred for drivers with no accidents or violations. Excludes modified vehicles and commercial use. | Multiple accidents, DUI history, vehicle salvage title. | Ownership of sports car, prior claims above $25,000, fleet size over 5 vehicles. | Instant quote for accident-free drivers. Auto-decline for any DUI in last 5 years. |
| GL-00004 | Casualty | 600000 | Commercial | EUR | 2023-08-01 | 2024-08-01 | Active | m.garcia | 2023-07-15T11:00:00 | m.garcia | 2023-12-01T09:45:00 | Annual turnover between $2M and $50M, employee count 15-150, certified safety protocols. | Preferred for low-hazard industries, excludes chemical and mining operations. | Active litigation, environmental violations, unoccupied property for over 12 months. | Employee count above 300, building age over 60 years, annual budget above $60M. | Auto-approve for certified safety and turnover below $5M. Flag for manual review if property is older than 40 years. |
| GL-00005 | Life | 800000 | Senior Citizens | USD | 2021-11-01 | 2023-11-01 | Superseded | c.lee | 2021-10-20T10:30:00 | blank | blank | Applicant age between 65 and 90, non-smoker, recent medical examination. | Preferred for healthy lifestyle and regular checkups. Excludes terminal illness and recent major surgery. | Terminal illness, hospitalization in past 12 months, chronic medical conditions. | Applicant age above 85, family history of cancer, more than 3 hospitalizations in 5 years. | Auto-approve if medical exam clear and BMI below 28. Flag for manual review if family history includes hereditary diseases. |
| GL-00006 | Liability | 1500000 | Professional Services | EUR | 2023-04-15 | 2026-04-15 | Active | d.kim | 2023-04-10T14:10:00 | d.kim | 2023-05-02T17:00:00 | Licensed professionals, proof of credentials, minimum 3 years experience. | Preferred for clean legal records and established practices. Excludes recent lawsuits or regulatory investigations. | Fraud, regulatory uncertainty, missing professional permits. | Annual revenue above $10M, claims history exceeding $250K, international client base. | Credential verification via AI. Auto-approve for records with no claims in last 5 years. |
| GL-00007 | Health | 100000 | Retirees | USD | 2023-05-15 | 2026-05-15 | Active | l.martin | 2023-05-10T13:45:00 | l.martin | 2023-06-08T10:05:00 | Applicant age between 62 and 85, regular health checkups, non-smoker status required. | Preferred for retirees with healthy lifestyle and no chronic diseases. Excludes recent hospitalizations. | Recent major surgery, terminal illness, incomplete medical records. | Age above 80, family history of hereditary disease, hospitalization in past 6 months. | Auto-approve for applicants with no hospitalizations in past 5 years. Flag for manual review if BMI above 30. |
| GL-00008 | Other | 250000 | Event Organizers | USD | 2022-02-01 | 2025-02-01 | Active | s.nguyen | 2022-01-15T09:10:00 | blank | blank | Registered business, event type disclosed, safety plan submitted. | Preferred for events with certified security and non-political nature. Excludes political rallies and high-risk events. | No event permit, incomplete safety plan, prior insurance fraud. | Event attendance above 5,000, donation above $100,000, international speakers. | AI scan of event plan. Auto-approve for attendance below 1,000 and safety certified. |
| GL-00009 | Property | 9000000 | Urban High-Rise | AUD | 2023-07-20 | 2026-07-20 | Active | n.brown | 2023-07-18T12:40:00 | n.brown | 2023-09-01T08:20:00 | Building height above 15 floors, constructed after 2000, no major fire incidents. | Preferred for buildings with automated fire suppression. Excludes properties in flood-prone areas. | Major fire claim, building constructed before 1980, incomplete safety systems. | Property value above $12,000,000, occupancy rate below 60%. | Auto-approve for buildings with integrated fire alarms. Flag for manual review if built before 2000. |
| GL-00010 | Liability | 500000 | Startups | USD | 2023-09-05 | 2026-09-05 | Active | e.wilson | 2023-09-01T14:05:00 | e.wilson | 2023-10-02T16:20:00 | Company registered within last 5 years, proof of funding, minimum 5 full-time employees. | Preferred for clean legal records and funded startups. Excludes companies with pending litigation or regulatory sanctions. | Fraud allegations, incomplete legal documents, regulatory uncertainty. | Annual revenue above $5M, international operations, claims above $100K. | Credential verification via automated check. Auto-approve for startups in tech sector with no claims. |
| GL-00011 | Health | 0 | Gig Workers | USD | 2022-12-01 | 2025-12-01 | Active | f.hernandez | 2022-11-25T13:15:00 | blank | blank | Applicant aged 18-64, minimum annual income $15,000, proof of gig work status. | Preferred for individuals with regular income and no chronic disease. Excludes high-risk occupations. | Incomplete work history, chronic illness, income below threshold. | Income above $100,000, prior claims above $20,000. | Auto-approve for applicants with no claims and consistent income. Flag for manual review if prior claim history exists. |
| GL-00012 | Property | 4000000 | Agriculture | USD | 2023-03-15 | 2026-03-15 | Active | g.murphy | 2023-03-10T09:50:00 | g.murphy | 2023-05-19T11:15:00 | Farm acreage above 50, insured machinery, no claims in past 3 years. | Preferred for irrigated farms with certified machinery. Excludes flood-prone and wildfire areas. | Major machinery claims, property in wildfire zone, unregistered farm. | Machinery value above $2,000,000, livestock insured above $1,000,000. | Auto-approve for irrigated farms with zero claims. Auto-decline for non-certified machinery. |
| GL-00013 | Auto | 250000 | Fleet | USD | 2024-04-05 | 2026-04-05 | Active | h.wright | 2024-04-02T08:30:00 | blank | blank | Fleet size between 5 and 100 vehicles, all vehicles under 8 years old, drivers with no accidents in last 2 years. | Preferred for fleets with telematics and maintenance records. Excludes fleets with history of cargo claims. | Unreported accidents, fleet size above 120, salvage vehicles. | Fleet size above 100, claims above $100,000, luxury vehicles. | Auto-approve for fleets with full telematics. Flag for manual review if more than 2 claims in past year. |
| GL-00014 | Casualty | 800000 | Municipalities | EUR | 2022-10-01 | 2025-10-01 | Active | i.chen | 2022-09-20T16:00:00 | i.chen | 2023-01-23T15:00:00 | Population served above 10,000, annual budget above $5M, certified safety protocols. | Preferred for municipalities with investment in safety infrastructure. Excludes towns with history of litigation. | Environmental violations, unresolved litigation, budget below $2M. | Budget above $50M, population above 100,000, building age above 70 years. | Auto-approve for municipalities with ISO-certified safety. Flag for manual review if litigation unresolved. |
| GL-00015 | Life | 350000 | Children | GBP | 2021-05-01 | 2023-05-01 | Superseded | j.mitchell | 2021-04-15T12:00:00 | blank | blank | Age between 0 and 15, parental consent, up-to-date vaccination records. | Preferred for healthy children with regular pediatric visits. Excludes chronic illness and hospitalization in past year. | Chronic disease, missing vaccination, recent hospitalization. | Family history of hereditary illness, special needs, hospitalization above 2 times in past 5 years. | Auto-approve for complete vaccination. Flag for manual review if hospitalization history exists. |
| GL-00016 | Property | 3500000 | Fine Art Dealers | USD | 2022-03-01 | 2025-03-01 | Active | k.thompson | 2022-02-20T10:45:00 | k.thompson | 2022-10-02T13:40:00 | Insured artwork value above $500,000, provenance documentation, gallery security system. | Preferred for insured galleries with certified provenance. Excludes political art and missing documentation. | No provenance, artwork value below $50,000, gallery lacks security system. | Artwork value above $5,000,000, international exhibitions, donation above $100,000. | Auto-approve for certified provenance and insured art. Flag for manual review if international shipping. |
| GL-00017 | Health | 40000 | Remote Workers | NZD | 2022-05-01 | 2025-05-01 | Active | l.evans | 2022-04-22T09:00:00 | l.evans | 2022-11-02T14:30:00 | Applicant age between 21 and 68, proof of remote employment, minimum annual income $20,000. | Preferred for stable remote workers with health insurance. Excludes international travel risk. | No proof of employment, income below threshold, chronic health conditions. | Income above $120,000, travel to high-risk countries, prior claims above $10,000. | Auto-approve for stable employment. Flag for manual review if frequent international travel. |
| GL-00018 | Auto | 150000 | Classic Cars | EUR | 2023-07-01 | 2026-07-01 | Active | m.wood | 2023-06-29T11:00:00 | m.wood | 2023-08-10T10:20:00 | Car age above 25 years, original components, annual appraisal required. | Preferred for original classic cars, excludes modified or kit vehicles. | No appraisal, modified vehicles, salvage title. | Car value above $300,000, imported vehicles, no maintenance records. | Auto-approve for original component cars with appraisal. Flag for manual review if imported. |
| GL-00019 | Liability | 1000000 | Nonprofits | USD | 2022-01-01 | 2025-01-01 | Active | t.clark | 2021-12-20T15:40:00 | blank | blank | Registered nonprofit, proof of 501(c)(3) status, audited financials. | Preferred for clean legal records and established nonprofits. Excludes recent lawsuits or political events. | Fraud, missing documentation, ongoing litigation. | Donation above $500,000, international programs, claims above $100,000. | Credential verification via automated scan. Auto-approve for nonprofits with no claims in last 5 years. |
| GL-00020 | Other | 2000000 | Fine Art Dealers | USD | 2022-09-01 | 2025-09-01 | Active | v.adams | 2022-08-20T09:00:00 | v.adams | 2023-02-14T16:00:00 | Gallery must insure artwork above $150,000, maintain security system, provide provenance documentation. | Preferred for insured art with certified provenance. Excludes missing documentation and political art. | No provenance, artwork value below $30,000, gallery lacks security. | Artwork value above $5,000,000, international exhibitions, donation above $100,000. | Auto-approve for certified provenance. Flag for manual review for international shipments. |
What the 600 rows show
from the 600-row sampleProperty (line of business) stands out: mean authorization_
- 400,000median authorization_
limit_ amount - 3statuses
- 6authorization limit currencies
Median 400,000, from 0 to 15,000,000.
- string 12
- float 1
- date 2
- datetime 2
Columns
17 columns in three groups| column | type | description | example |
|---|---|---|---|
| Text 12 columns | |||
guideline_id | string | Unique identifier for each underwriting guideline recordunique | GL-00001 |
line_of_business | string | Insurance line of business (e.g., Property, Casualty, Life, Health)7 values | Property |
risk_segment | string | Risk segment or category within the line of business (e.g., High Net Worth, SME, Commercial) | High Net Worth |
acceptance_criteria | string | Detailed underwriting acceptance criteria for the specified line of business and risk segment | Property value above $2,0… |
risk_appetite | string | Description of the insurer's risk appetite for the specified segment (e.g., preferred risks, exclusions) | Preferred for properties … |
declination_reasons | string | Common reasons for declination of risks in this segmentoptional | Fraud, missing permits. |
referral_triggers | string | Conditions or criteria that trigger referral to senior underwriters or committeesoptional | Fleet size above 95. |
authorization_limit_currency | string | Currency code for the authorization limit (e.g., USD, EUR)6 currencies · optional | USD |
automated_underwriting_rules | string | Description of automated underwriting rules applied for this line of business and risk segmentoptional | Auto-decline for flood zo… |
status | string | Current status of the guideline (e.g., Active, Inactive, Draft)Active · Inactive · Draft · Superseded | Active |
created_by | string | Identifier or name of the user who created the guideline | j.smith |
last_modified_by | string | Identifier or name of the user who last modified the guidelineoptional | j.smith |
| Numbers 1 column | |||
authorization_limit_amount | float | Maximum monetary limit (in policy currency) that can be authorized by the underwriter for this segment0 or more · optional | 7500000 |
| Dates and times 4 columns | |||
effective_date | date | Date when the guideline becomes effective | 2022-07-01 |
expiry_date | date | Date when the guideline expires or is supersededoptional | 2025-07-01 |
created_at | datetime | Timestamp when the guideline was created | 2022-06-20T09:15:00 |
last_modified_at | datetime | Timestamp when the guideline was last modifiedoptional | 2023-03-17T15:30:00 |
Use it for
An insurance dashboard
Authorization_
limit_ amount by line_ of_ business and a breakdown of risk_ segment. Excel, Power BI or Tableau. Why do the 121 Property rows have a mean authorization_
limit_ amount of 6,270,413? A root-cause class exercise
Hand out the rows and one question. The answer is in the data, not in the brief.
- Guidelines600GL-000017500000PropertyGL-00002250000HealthGL-0000350000Auto
A software demo
Believable guidelines with line_
of_ business, risk_ segment and acceptance_ criteria to fill a screen in front of a buyer.
This dataset600 rows17 columns
Yours10,000 rows17 columns
blueprint · underwriting-guidelines-and-appetite
Behind this dataset
Same schema. As many rows as you need.
These 600 rows came out of a blueprint — 17 columns with generation rules behind each one. Open it in Data Factory to retune a column, add your own, wire in foreign keys, and run it at the size you actually need.
Rules it was built with
- Eligible vs ineligible risks by class
- Premium size thresholds for authority levels
- Age restrictions (e.g., drivers under 25, buildings over 100 years)
- Prior loss frequency/severity limits
- Credit score minimums where allowed
- Occupancy restrictions (e.g., no vacant buildings)
- Geographic restrictions (coastal, wildfire zones)
- Automated underwriting for straight-through processing
Open the blueprint in Data Factory
1 credit per row. New accounts start with 25 free credits.
- Exports
- CSV, JSON, JSONL, Parquet, SQL, Excel, TSV, XML
- Licence
- yours to use, including commercially
- API slug
- underwriting-guidelines-and-appetite