375+ AI prompts. Your role. Ready to paste.

ACCOUNT RISK PROFILE — [Applicant Name] OVERALL RISK SCORE: 68 / 100 — GRADE: B (Standard) TL;DR: Profitable mid-market manufacturer with stable operations but deteriorating loss trend in GL. Acceptable risk at standard terms with schedule debit for loss history. FINANCIAL STABILITY: | Metric | Value | Benchmark | Rating | |--------|-------|-----------|--------| | Current Ratio | 1.8 | >1.5 | GREEN | | Debt-to-Equity | 0.6 | <1.0 | GREEN | | Revenue Trend | +4% YoY | >0% | GREEN | | Net Profit Margin | 5.2% | >3% | GREEN | LOSS HISTORY ANALYSIS: | Year | Claims | Incurred | Loss Ratio | Trend | |------|--------|----------|------------|-------| | 2021 | 3 | $42,000 | 38% | -- | | 2022 | 2 | $28,000 | 24% | Improving | | 2023 | 5 | $95,000 | 78% | DETERIORATING | | 2024 | 4 | $67,000 | 52% | Stabilizing | | 2025 | 6 | $112,000 | 82% | DETERIORATING | TREND: RED — Frequency increasing, driven by slip-and-fall claims at warehouse locations. SWOT: | Strengths | Weaknesses | |-----------|-----------| | 22-year operating history | GL frequency trending up | | Diversified customer base | No formal safety program | | Strong financials | Single location concentration | RECOMMENDATION: ACCEPT WITH CONDITIONS - GL: Standard rates + 10% schedule debit for loss trend - Property: Standard terms, require updated COPE data - Auto: Standard rates, fleet age acceptable - Conditions: Written safety program within 90 days, quarterly loss control inspections