Miscellaneous Workflow (MISC / BOP / WOC / LAWYERS / BONDS)

Overview

Miscellaneous product lines follow a carrier-based workflow where coverage is placed with an external insurance carrier rather than rated through LAMS’s built-in rating engine. These lines include general miscellaneous professional liability, Business Owner’s Policy (BOP), Workers’ Compensation (WOC), Lawyers professional liability, and Bonds. The key distinction from Standard products is the manual carrier assignment step and the simplified rating process.

Loading diagram...

Which Lines Use This Workflow

LOB Code	Product	Carrier Model
MISC	Miscellaneous Professional Liability	Wholesale/E&S carriers
LAWYERS	Lawyers Professional Liability	Standard admitted carriers
BOP	Business Owner’s Policy	Combination placement
WOC	Workers’ Compensation	State fund or private carrier
BONDS	Surety Bonds	Bonding companies

Note

For Lawyers, the system supports a standalone flow or a combination certificate with BOP/MISC. You will be prompted to select single or combination placement during carrier assignment.

Before You Begin

• Confirm you have the carrier’s quoted premium and policy terms.
• Verify the producer’s license is active in the insured’s state.
• For BOP and MISC, determine whether you need a combination certificate (single certificate covering multiple policies).
• Gather: insured name, FEIN, business address, carrier name, carrier policy number, effective date, and expiration date.

Step 1: Start a New Miscellaneous Application

📷

New application screen with LOB dropdown showing MISC, LAWYERS, BOP, WOC, and BONDS options

New application screen with LOB dropdown showing MISC, LAWYERS, BOP, WOC, and BONDS options

1. Navigate to New Business > New Application.
2. Select the LOB from the dropdown (MISC, LAWYERS, BOP, WOC, or BONDS).
3. Select the producer using the producer search.
4. Enter the effective date.
5. Click Create Application.

Step 2: Enter Client Information

📷

Application form showing insured name, FEIN, address, and business description fields for miscellaneous products

Application form showing insured name, FEIN, address, and business description fields for miscellaneous products

1. Enter the insured name (individual or business entity).
2. Enter the FEIN (Federal Employer Identification Number) or SSN.
3. Fill in the business address.
4. Select the business type and primary professional activity from the dropdowns.
5. Enter the number of professionals covered.
6. Click Save & Continue.

Step 3: Assign a Carrier

📷

Carrier assignment section showing a dropdown of available carriers and a field for the carrier's policy number

Carrier assignment section showing a dropdown of available carriers and a field for the carrier's policy number

1. In the Carrier section, click the carrier dropdown.
2. Search for and select the carrier by name or NAIC code.
3. Enter the carrier’s policy number (the carrier’s own policy number, not the LAMS policy number).
4. Select the carrier’s state of domicile if prompted.
5. For BOP or MISC with combination placement, check Combination Certificate and select the linked policies.
6. Click Save Carrier.

Caution

If the carrier does not appear in the dropdown, contact your administrator. Carriers must be set up in the Carrier Master before they can be assigned to policies.

Step 4: Enter Limits and Deductibles

📷

Coverage limits table for miscellaneous products with per-claim limit, aggregate limit, and deductible fields

Coverage limits table for miscellaneous products with per-claim limit, aggregate limit, and deductible fields

1. Enter the per-claim limit as quoted by the carrier.
2. Enter the aggregate limit.
3. Enter the deductible amount.
4. For WOC, enter state-specific employer liability limits.
5. For Bonds, enter the bond amount and bond type.
6. Click Save Coverage.

Step 5: Enter the Quoted Premium

1. Enter the annual premium as quoted by the carrier.
2. Enter any applicable taxes and fees separately.
3. Enter the commission rate or the system will apply the default rate for this producer.
4. The system calculates the net premium and producer commission.
5. Click Save Premium.

Step 6: Review and Bind

📷

Miscellaneous application summary page showing carrier, limits, premium, and bind button

Miscellaneous application summary page showing carrier, limits, premium, and bind button

1. Review the application summary: insured, carrier, limits, premium, and effective/expiration dates.
2. If everything is correct, click Bind.
3. On the confirmation dialog, click Confirm Bind.
4. If saving as a quote, click Save as Quote instead.

Combination Certificates

For BOP and MISC policies where a single certificate covers multiple underlying policies:

1. After binding each individual policy, navigate to Documents > Certificates.
2. Select New Combination Certificate.
3. Search for and link each policy that should appear on the certificate.
4. Generate the combined certificate PDF.

See Certificates for full certificate generation instructions.

After Binding

• A LAMS policy number is assigned regardless of carrier.
• The carrier policy number is tracked as a reference field.
• Documents are generated using LAMS templates — the carrier’s policy documents are uploaded separately via the Documents tab on the policy.
• Booking is processed through the standard accounting workflow — see Booking.