The quote isn't ready until the score is complete

Carlos runs a small P&C book. Two producers. A quote form on the website that asks for policy type and a phone number, then promises "we'll be in touch."

What happens next is the real intake. A 25-minute call to collect roof age, claims in the last five years, occupancy, current limits, and whether the building has a basement. Half the people who started the form never take that call. The ones who do are tired of repeating themselves before anyone has priced a thing.

The form did not fail because insurance is complicated. It failed because it collected a name and left the score for a human.

Incomplete is not the same as unqualified

Producers treat every inbound the same because they cannot see the holes. A personal auto inquiry with a clean record and a current policy sits in the same inbox as a commercial building with three locations and no loss history attached. Someone has to open both and go hunting.

That hunting is the job nobody priced into the commission.

What you want is simpler than another generic AI score. You want a number you can explain. Roof age, claims, occupancy, construction type: each answer adds to a total, or it does not. If two of those questions are blank, the total is unfinished. The card should say so. Nobody should spend a morning chasing a quote that cannot be bound yet.

A number you can explain

A Calculation block runs the steps in order. A formula adds roof age, claims, and occupancy. A Record lookup pulls the points for "masonry" or "frame" from a rating table, one row. Bands label the result: ready to quote, needs review, refer. Each step writes a variable you can use later in the conversation and on the saved submission.

If a question is still blank, keep that case out of the band that means ready. The card should show the band, not a hunch.

Drafting the block from a plain-language description uses credits. An optional AI step does too. The formula, the lookup, and the bands run without AI when someone fills the Intake Bot.

This is on every plan. The guide is Calculation blocks.

It is a different tool from Submission Intelligence. That one reads the whole conversation and applies dimensions you define after the fact. A Calculation block is the arithmetic you want in the middle of a quote. Visible. Hard to argue with.

Price the complete ones first

On a broker Process Board, the useful morning is the one where complete quotes are already in a column and the Swiss-cheese ones are waiting for a document or a single follow-up. Assign the ready cards. Leave the incomplete score alone until the missing answers land.

If the quote still starts as a website form, replace that form so the conversation can collect roof age without dumping eleven fields on one screen. If your book lives on WhatsApp more than it lives on Chrome, run the same Intake Bot there.

The score is not there to make intake look clever. It is there so a producer stops calling people who never finished telling you what they need.