# Underflow

> Product documentation for underwriting, servicing, accounting, and controls in Underflow.

- [Welcome to Underflow](https://docs.useunderflow.com/index.md): Run underwriting, servicing, accounting, and controls on one operating record.
- [Intake and clearance](https://docs.useunderflow.com/underwriting/intake.md): See how inbound business becomes a file and passes its first checks.
- [Collect missing information](https://docs.useunderflow.com/underwriting/collection.md): Use email and secure collection links to close gaps without asking twice.
- [Underwrite and quote](https://docs.useunderflow.com/underwriting/underwrite-and-quote.md): Apply program appetite, produce options, and send a proposal.
- [External risk scanning](https://docs.useunderflow.com/underwriting/external-risk-scanning.md): Understand consent, scan findings, rating effects, and the current operator boundary.
- [Bind and policy paper](https://docs.useunderflow.com/underwriting/bind-and-issue.md): Turn an accepted quote into coverage, a binder, and an invoice.
- [The workbench](https://docs.useunderflow.com/platform/workbench.md): Use the Desk, Mail, Book, Distribution, and Accounting views without losing the shared record.
- [How Underflow organizes work](https://docs.useunderflow.com/platform/core-model.md): Understand submissions, lifecycle status, handling mode, and underwriting programs.
- [Aurora and approvals](https://docs.useunderflow.com/platform/aurora.md): See what the agent can do, what comes to the Desk, and how a person takes control.
- [Settings and administration](https://docs.useunderflow.com/platform/settings.md): Manage personal mail preferences, workspace identity, members, Aurora, and desk memory.
- [Integrations](https://docs.useunderflow.com/integrations/overview.md): See how Underflow connects email, payments, and regulatory data to the operating record.
- [Shared mailboxes](https://docs.useunderflow.com/integrations/shared-mailboxes.md): Receive, organize, and send submission correspondence through a shared MGA address.
- [Stripe payments](https://docs.useunderflow.com/integrations/stripe-payments.md): Collect invoice payments through a hosted link and keep the receivable in sync.
- [Regulatory data](https://docs.useunderflow.com/integrations/regulatory-data.md): Use sanctions screening and the surplus lines compliance feed without hiding uncertain results.
- [Underwriting](https://docs.useunderflow.com/underwriting/overview.md): Take a submission from the first inbound message through quote and bind.
- [Intake and clearance](https://docs.useunderflow.com/underwriting/intake.md): See how inbound business becomes a file and passes its first checks.
- [Collect missing information](https://docs.useunderflow.com/underwriting/collection.md): Use email and secure collection links to close gaps without asking twice.
- [Underwrite and quote](https://docs.useunderflow.com/underwriting/underwrite-and-quote.md): Apply program appetite, produce options, and send a proposal.
- [External risk scanning](https://docs.useunderflow.com/underwriting/external-risk-scanning.md): Understand consent, scan findings, rating effects, and the current operator boundary.
- [Bind and policy paper](https://docs.useunderflow.com/underwriting/bind-and-issue.md): Turn an accepted quote into coverage, a binder, and an invoice.
- [Servicing](https://docs.useunderflow.com/policy-servicing/overview.md): Keep renewals, midterm changes, documents, claims, and money on the bound policy.
- [Renewals and nonrenewal](https://docs.useunderflow.com/policy-servicing/renewals.md): Work the renewal file opened from an expiring policy and record a nonrenewal notice.
- [Endorsements](https://docs.useunderflow.com/policy-servicing/endorsements.md): Change coverage midterm while preserving the policy, documents, and accounting history.
- [Cancellations and reinstatement](https://docs.useunderflow.com/policy-servicing/cancellations.md): Calculate return premium, satisfy notice rules, and preserve the policy history.
- [Certificates and claims](https://docs.useunderflow.com/policy-servicing/certificates-and-claims.md): Issue evidence of coverage, record losses, and produce the insured's claim history.
- [Accounting](https://docs.useunderflow.com/accounting/overview.md): Manage invoices, money movement, reconciliation, and reporting from the policy ledger.
- [Invoices and dunning](https://docs.useunderflow.com/accounting/invoices.md): Deliver receivables, age balances, and escalate persistent nonpayment.
- [Payments and reconciliation](https://docs.useunderflow.com/accounting/payments-and-reconciliation.md): Record and allocate receipts, then match the register to a pasted bank statement.
- [Bordereaux and carrier settlements](https://docs.useunderflow.com/accounting/bordereaux-and-settlements.md): Review the monthly carrier report, attest it, and record the remittance.
- [Trust and disbursements](https://docs.useunderflow.com/accounting/trust-and-disbursements.md): Read the trust position, record transfers, and control money-out records.
- [Agency statements and reports](https://docs.useunderflow.com/accounting/statements-and-reports.md): Freeze agency statements and export earnings, ledger, GL, and tax workpapers.
- [Controls](https://docs.useunderflow.com/controls/overview.md): Configure who can place business, which rules apply, and where human approval is required.
- [Agencies and producers](https://docs.useunderflow.com/controls/distribution.md): Maintain the counterparties that submit business and receive commission.
- [Compliance controls](https://docs.useunderflow.com/controls/compliance.md): See which compliance results hold work, which remain visible, and which require desk procedure.
- [Surplus lines](https://docs.useunderflow.com/controls/surplus-lines.md): How state taxes, required wording, diligent-search forms, and filings move through a surplus-lines file.
- [State filing](https://docs.useunderflow.com/controls/state-filing.md): Report eligible surplus-lines bookings, attach policy paper, and track each filing to filed.
- [Screening and reporting](https://docs.useunderflow.com/controls/screening-and-reporting.md): Understand sanctions holds and the monthly carrier filing.
- [Changelog 2026](https://docs.useunderflow.com/updates/2026.md): Product and platform changes for 2026


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