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How to SetUp Risk Engineering Rules

Accurate quotes start with accurate data. But in the real world, client records can be incomplete, outdated, or inconsistently captured. To help your team return cleaner, more complete quotes without manual cleanup, the platform allows you to set default values, general assumptions, and quoting rules directly from the Settings → Risk Engineering Rules tab

These settings ensure the system knows how to interpret missing information, apply consistent assumptions, and deliver better-quality quotes across your carriers, especially when data is incomplete.

Where to Set Your Rules

Navigate to:

Settings → Risk Engineering Rules

You’ll see three categories:

  • General Rules

  • Auto Rules

  • Home Rules

Each category contains configurable fields that define how the system should behave when required data is missing or unclear.

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General Rules

General rules apply across all personal lines remarketing. These defaults help standardize how quotes are prepared when key data is absent in your AMS.

Common examples include:

  • Default Phone Number
    For accounts missing phone numbers, the system will insert the default value you specify.

  • Default Email Address
    Prevent quote interruptions by ensuring every household has an email on file.

  • Multi-Policy Discounts
    Determines what kinds of quotes come back package home and auto or monoline home and auto quotes.

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Auto Rules

Auto-specific assumptions tell the system how to handle gaps in vehicle or driver data. These defaults significantly increase the number of quotes returned without manual edits.

Examples include:

  • Default Vehicle Usage
    (e.g., “Commute” when AMS is blank)

  • Default Annual Mileage
    Allows the system to avoid carrier errors related to missing mileage inputs. 

  • Default Towing, Rental, or Comp/Collision Preferences
    Useful when AMS doesn’t specify these coverage choices.

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Home Rules

Home policy assumptions prevent declines and missing-field errors when key dwelling data is incomplete.

Examples include: 

  • Water Backup
    This allows you to set water backup limits for all new home quotes

  • Wind/Hail Deductibles
    Ensures carriers receive a valid range if AMS records are missing or incorrect.

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Best Practices for Rule Setup

To get the most out of the Rules settings:

  • Set every field—even if rare.
    A missing default can cause an unexpected decline from specific carriers.

  • Review your carriers’ quirks.
    If a carrier has known rating sensitivities (roof age, mileage, ADP, etc.), match your defaults accordingly.

  • Update rules quarterly.
    Carriers change guidelines; adjust your defaults to stay aligned.

  • Start conservative, then optimize.
    Use safe assumptions until you review your first few remarkets, then tighten rules for accuracy.