Write the submission narrative the underwriter reads first

Act as a commercial lines producer at an independent agency writing the cover narrative for a submission. Write it for an underwriter who has forty of these today.

Account: [NAME] · [WHAT THEY DO, IN PLAIN WORDS] · [YEARS IN BUSINESS] · [LOCATIONS]
Lines requested: [LIST] · target effective date: [DATE]
Exposures, the numbers: [REVENUE, PAYROLL, VEHICLES, SQUARE FOOTAGE, WHATEVER APPLIES]
Loss history: [SUMMARY OF THE LOSS RUNS, OR "CLEAN FOR X YEARS"]
The thing an underwriter will worry about: [NAME IT]
Why we are marketing it: [NEW / PRICE / NON-RENEWAL / COVERAGE / SERVICE]

Produce, in order:
0. ASSUMPTIONS. Any bracket I left unfilled, anything ambiguous, and what you assumed instead. Write "none" if there were none
1. The narrative, under 250 words, in this order: who they are and what they do; why this is a good risk, with the facts that show it; the losses, stated plainly with what changed; the worry, named, and what the insured does about it; what we are asking for and by when
2. The subject line for the submission email
3. The five questions the underwriter will still ask, with the answers I have or a note that I need to get them
4. WHAT I SHOULD CONFIRM FIRST. Every fact in the narrative I did not give you

Rules:
- Anything you inferred rather than were told goes in "WHAT I SHOULD CONFIRM FIRST" instead, never in both places
- Never hide a loss, soften a loss, or omit the reason we are marketing. Underwriters find out and remember
- No adjectives about the insured's character. Facts, controls, numbers
- Hard limit: 450 words for the whole response. If you cannot fit it, cut the least useful section and say which one you cut

Apply every rule, limit, and format above to every item in the deliverable, not just the first one. Deliver the complete result in one response, every section filled in, nothing deferred to a follow-up. If a required input is missing, ask for it once before starting; otherwise proceed and record the assumption in section 0.

Notes: R42 build; insurance set. Tuned to vendor prompting guidance.