AUTOMATED ASSESSMENT AND ISSUANCE OF SURPLUS LINE INSURANCE POLICIES

A policy issuance architecture automatically determines whether to issue a standard insurance policy for a property to be insured, or whether the property qualifies for a surplus line insurance policy. The policy issuance architecture may include a number of databases that store various rules and regulations for states where a surplus line insurance provider may be located. The policy issuance architecture may reference these databases in determining whether to issue the surplus line insurance policy. The policy issuance architecture may also communicate with various third-party services, such as a hazard assessment service, that assess potential hazards that may be associated with the property toe be insured. The policy issuance architecture may generate one or more electronic documents for a standard insurance policy or a surplus line insurance policy depending on whether the property qualified for the standard insurance policy or the surplus line insurance policy.