Multi-Line Quoting: Bundling WC, GL, Auto, and Property in One Pass
Why Multi-Line Quoting Still Feels Harder Than It Should
Ask any MGA team or wholesaler what slows them down the most, and you’ll hear the same thing: quoting multiple lines for one insured across different carriers.
Each line requires different questions, forms, and appetite logic, often duplicated by hand.
Producers jump between portals, copy data into spreadsheets, and pray nothing breaks.
RQB fixes that by making multi-line quoting a single connected process. You enter client and exposure data once, and RQB handles the rest, rating each line, calling the right carriers, and building a unified quote package ready to bind.
It’s not a patchwork of systems; it’s one quoting experience designed for commercial complexity.
How RQB Handles Multi-Line Logic
Every line of business, Workers’ Compensation, General Liability, Commercial Auto, Property, Cyber, and BOP, has unique data requirements. RQB’s engine understands that difference.
- Shared Core Data
- Named insured, address, FEIN, payroll, vehicles, locations, class codes, entered once.
- The system recognizes overlapping fields and reuses them automatically.
- Line-Specific Rating Logic
- Each line runs its own ruleset while referencing shared data.
- Carriers respond through their APIs or manual rating connectors.
- Unified Quote Summary
- RQB merges all returned quotes into a single comparison screen.
- Underwriters can adjust limits or deductibles across lines and rerun instantly.
Bundling Across Carriers and States
Bundling isn’t just about lines, it’s about carrier flexibility. MGAs often quote GL and Auto with one market, Property with another, and WC with a specialty carrier. RQB allows that from day one:
- Map each carrier’s appetite by line and state.
- Route submissions automatically to eligible markets.
- Combine API and non-API carriers in the same bundle.
- Track quote status by line within the same record.
Your producers see one unified quoting window; underwriters see all the carrier responses in a consolidated view.
Explore how carrier connectivity works in API Connectivity: Adding Carriers and Rules Without Rebuilds.
Real-Time Rating Keeps Bundles Synchronized
When rating happens in real time, every carrier response arrives within seconds. RQB coordinates those responses so that GL, Auto, and Property quotes stay aligned, not hours apart. You can toggle limits, adjust exposures, and rerun all lines with a single click.
Speed translates directly into bind ratios. Producers spend less time waiting, and insureds see polished proposals faster.
Learn more in Real-Time Rating: How Speed Impacts Bind Ratios.
Smarter Intake = Fewer Incomplete Submissions
Multi-line quoting succeeds only if intake is consistent. RQB’s AI-based intake engine checks for missing fields, validates numeric data, and routes complete packages automatically. It also identifies which carriers support which lines in the insured’s state, before rating begins.
That means fewer “declines for missing info” and more complete quotes on the first pass.
For deeper insight, read Submission Intake Automation: From Inbox to Quote in Minutes.
Underwriter and Producer Collaboration
In traditional workflows, producers and underwriters trade dozens of emails for each line.
RQB eliminates that friction with collaborative quoting.
- Producers see their own quotes and carrier options.
- Underwriters can approve, adjust, or re-rate without rekeying.
- Comments and approvals are logged in the same record.
Governance remains tight, but the process feels instant.
See how roles work in Underwriter & Producer Modes: Governance Meets Velocity.
Bind Once, Package Everything
Once the insured accepts terms, RQB creates a single bind request containing all lines.
The system automatically generates the correct documents for each carrier, routes them, and returns confirmation records into your AMS or PAS. No fragmented bind process, no missing forms.
Learn how RQB automates this final step in Bind Automation: From Quote to Policy Packet Instantly.
Program Analytics for Multi-Line Business
Bundled quoting creates powerful analytics:
- Average cycle time per line and carrier
- Hit ratio by bundle type (GL + Auto, WC + Property, etc.)
- Referral and exception patterns
- Cross-sell success rate per program
RQB dashboards turn those insights into action plans for underwriting and distribution.
Dive deeper in Program Analytics: Measuring What Matters.
The Business Payoff
MGAs and wholesalers using multi-line quoting inside RQB report:
- Up to 60% faster quote preparation for bundled risks
- Consistent pricing across carriers and programs
- Higher producer retention due to simpler workflows
- Fewer errors in bind documentation and premium reconciliation
This isn’t just technology, it’s operational leverage.
Implementation Snapshot
- Week 1: Configure shared data model and carrier mapping.
- Week 2: Test rating rules for 3–5 lines.
- Week 3: Pilot with selected producers.
- Week 4: Launch to full program.
Once the framework is built, adding a new line takes hours, not weeks.
Request a Demo or Start a Pilot to see multi-line quoting in action.
Frequently Asked Questions
Which lines can RQB quote together?
Any combination of Workers’ Compensation, General Liability, Auto, Property, BOP, or Cyber.
Can I add new lines later?
Yes. The shared data model allows expansion without reconfiguring existing lines.
Do carriers need APIs?
No. You can mix API and manual carriers within one quote.
Can producers quote multi-line directly?
Yes. Producer mode supports bundled quoting with restricted permissions.
How do I analyze bundle performance?
Through built-in dashboards showing cycle time and hit ratios across lines.
