Quoting GL, Property, BOP, and Umbrella in Wildfire Zones Without Burning Out Your Underwriters
Wildfire exposure. LOB overlap. Carrier restrictions. Broker pressure. If you’re quoting commercial P&C risks in California-especially in Tier 2 and Tier 3 wildfire zones-then you know this isn’t just a capacity issue. It’s a workflow crisis.
California MGAs are being asked to quote GL, Property, BOP, and Personal Umbrella policies in some of the country’s most volatile areas. But if your process still relies on email threads, shared spreadsheets, and underwriter memory, you’re not just behind-you’re bleeding premium.
The good news? MGAs using the RQB platform are now quoting faster, screening smarter, and protecting underwriter bandwidth during CAT-heavy seasons.
What Makes Wildfire Quoting So Risky (Operationally)
- Carrier appetite shifts overnight
One fire-and suddenly your top market pulls all wildfire-adjacent ZIPs. - Multi-LOB quoting creates confusion
A BOP with optional Umbrella suddenly requires 3 quotes from 3 systems. - Retail brokers send everything
They don’t know which ZIPs are restricted. You do-but only after wasting time reviewing submissions. - Underwriter burnout is real
Reviewing, declining, and manually responding to 50+ ineligible risks daily breaks focus and morale.
How RQB Handles Multi-LOB Quoting in Fire Zones
ZIP-Level Logic for Property & BOP
- Block or flag Tier 3 wildfire zones
- Apply eligibility logic by carrier
- Control how submissions flow based on location + risk type
BOP + Umbrella Coordination
- Brokers submit once, system parses what’s needed
- Auto-splits BOP + Personal Umbrella to different workflows if required
- Avoids missing umbrella limits or routing errors
Underwriter Load Management
- Underwriters only see eligible, complete submissions
- Real-time dashboards show quote success rate, average response time
- Reduces “clutter review” workload by 50%+
See how RQB supports California MGA quoting under wildfire pressure
Use Case: San Diego MGA Quoting BOP + Umbrella for Hospitality
Challenge:
This MGA served brokers focused on restaurants and event venues across San Diego, Riverside, and LA. Carriers had strict BOP rules by ZIP. Personal Umbrella was offered but only in specific counties. Submissions flooded in daily during summer.
Solution:
- RQB filtered out BOPs in wildfire-restricted zones
- Separated and routed Umbrella requests with separate logic
- Brokers guided to correct options via smart submission form
Results:
- 3x faster quoting for qualified BOPs
- 70% fewer declines due to eligibility mismatch
- Underwriters reported less fatigue and faster cycle times
Explore the full feature breakdown on the main RQB platform page to understand how this applies to your state or carrier group.
FAQs
Can RQB manage BOPs and Personal Umbrellas in one workflow?
Yes. The platform supports multi-LOB logic and can split or route based on carrier requirements, including layered quoting.
Does it help with wildfire ZIPs?
Absolutely. RQB filters submissions by Tier 2/Tier 3 ZIPs and applies logic for exclusion, warning, or alternate routing.
How does it protect underwriter capacity?
Only qualified, complete submissions hit the underwriter queue. Everything else is filtered or flagged.
Can brokers still email if they refuse forms?
Yes-but the platform performs best when brokers use the guided web intake. It reduces errors and speeds up quotes.
How long to go live?
You can be quoting in 30 days with one LOB and two carriers. Most clients start with Property + GL or BOP + Umbrella.
Stop letting wildfire exposure and LOB confusion slow your team down.
With RQB, California MGAs are quoting smarter, protecting their team, and binding more business in fire-prone zones.
Start your quoting pilot this month. Real quoting. Real results.
