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LAMS User Guide

Express Workflow (REEXP / ACEXP / APEXP)

Overview

Section titled “Overview”

The Express workflow provides a streamlined, step-by-step stepper interface for binding new business on express product lines. Instead of the full application form used by Standard products, Express uses a condensed stepper that walks the user through limit selection, deductible, insured information, premium calculation, and binding — all within a single guided flow.

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Supported Product Lines

Section titled “Supported Product Lines”
LOB CodeProduct NameTypical Use
REEXPReal Estate ExpressReal estate agents and brokers needing quick coverage
ACEXPAccountants ExpressSmall accounting firms, solo practitioners
APEXPAppraisers ExpressProperty appraisers requiring rapid turnaround

Before You Begin

Section titled “Before You Begin”
  • Confirm the client qualifies for an Express product line (no open claims, within revenue thresholds).
  • Verify the assigned producer has an active license in the policy state.
  • Gather: insured name, business address, number of professionals, and desired effective date.

Step 1: Start a New Express Application

Section titled “Step 1: Start a New Express Application”
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New application screen with LOB selector showing REEXP, ACEXP, and APEXP options highlighted

New application screen with LOB selector showing REEXP, ACEXP, and APEXP options highlighted
  1. Navigate to New Business > New Application.
  2. Select the appropriate Express LOB (REEXP, ACEXP, or APEXP) from the line-of-business dropdown.
  3. Select the producer from the producer search field.
  4. Enter the effective date.
  5. Click Start Express Quote — the stepper interface opens.

Step 2: Select Coverage Limits

Section titled “Step 2: Select Coverage Limits”
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Express stepper Step 1 showing limit package cards with per-claim and aggregate amounts

Express stepper Step 1 showing limit package cards with per-claim and aggregate amounts
  1. Review the available limit packages displayed as selectable cards.
  2. Click the package that matches your client’s coverage need.
  3. The stepper advances automatically to the deductible step.

Available packages vary by LOB. Common REEXP packages range from $100K/$300K to $1M/$2M.

Step 3: Select Deductible

Section titled “Step 3: Select Deductible”
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Express stepper Step 2 showing deductible options as radio buttons

Express stepper Step 2 showing deductible options as radio buttons
  1. Select the deductible amount from the available options.
  2. Note that some limit packages restrict which deductibles are available.
  3. Click Next.

Step 4: Enter Insured Information

Section titled “Step 4: Enter Insured Information”
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Express stepper Step 3 with insured name, address, number of professionals, and business type fields

Express stepper Step 3 with insured name, address, number of professionals, and business type fields
  1. Enter the insured/business name.
  2. Fill in the business address (street, city, state, zip).
  3. Enter the number of licensed professionals.
  4. Select the primary business activity from the dropdown.
  5. Click Next.

Step 5: Review Premium and Bind

Section titled “Step 5: Review Premium and Bind”
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Express stepper Step 4 showing the calculated premium summary with coverage details and bind button

Express stepper Step 4 showing the calculated premium summary with coverage details and bind button
  1. Review the premium summary: per-claim limit, aggregate limit, deductible, and annual premium.
  2. Confirm the effective and expiration dates.
  3. Choose one of the following:
    • Bind — the policy is bound immediately and moves to the booking queue.
    • Save as Quote — saves the application for later binding.
    • Back — returns to a previous step to make changes.
  4. If binding, click Confirm Bind on the confirmation dialog.

After Binding

Section titled “After Binding”
  • The system generates a policy number and displays a bind confirmation.
  • The policy appears in the Policy Queue for underwriter review.
  • Documents (binder, application) are generated automatically — see Document Generation.
  • Booking is processed as part of the standard accounting workflow — see Booking.

Differences from the Standard Workflow

Section titled “Differences from the Standard Workflow”
FeatureExpressStandard
InterfaceGuided stepperFull application form
Coverage customizationFixed packages onlyFully customizable
Underwriting questionsMinimalComprehensive
Rating speedInstantMay require UW review
Available LOBsREEXP, ACEXP, APEXPACSTD, RESTD, LAWYERS, etc.