Commercial insurance submission documents for Ontario brokers

Why commercial submissions take longer

Commercial placements involve more documents, more parties, and more back-and-forth than personal auto. Loss runs expire, SOVs need updates, and financials arrive from the client's accountant on a different timeline than the application form.

Email threads collapse under that complexity. A missing five-year loss run can delay a quote by a week — and the broker often does not know what is missing until the MGA asks.

Documents carriers and MGAs commonly request

Requirements vary by class, carrier, and MGA, but a typical Ontario commercial submission package includes:

• Five-year loss runs (or claims history) from prior carriers.
• Statement of values (SOV) for property schedules.
• Financial statements or revenue documentation.
• Completed ACORD or CSIO commercial application supplements.
• Photos, engineering reports, or class-specific schedules (e.g. vehicle lists, payroll).
• Broker narrative / cover letter describing the risk and coverage request.

Track commercial intake before MGA submission

Hivi-X commercial intake checklists turn this list into tracked line items on the client record. Producers see what has arrived and what is still outstanding; CSRs can upload carrier correspondence as it comes in; principals get visibility across producers without opening six inboxes.

Voice summaries document placement discussions and client instructions on the file. When the package is ready, export a PDF for MGA upload or internal file review. Data stays on Canadian servers with self-hosted AI — client information is never sent to third-party AI providers.