How the Vault shapes every proposal
Updated July 11, 2026
The Vault is not a reference you check by hand before building. It is consulted automatically, at specific points, every time you build a proposal. This article names each touchpoint plainly.
#Fee stamping by program type
Every priced proposal gets an agency fee stamped onto it automatically, pulled from your Fee schedule. The engine works out what kind of program the parsed quote is (surplus lines, monoline auto, admitted, and so on) and finds the fee schedule line that matches that program type. Whatever that line says is what gets added, a dollar amount as a real line item on the premium, or nothing at all if the matching line says there is no agency fee for that program. This happens on every build, without anyone typing a fee in by hand. See The fee schedule and Premium and agency fees.
#The market check in the options step
When a carrier gets parsed off a quote, ProClose checks it against your Preferred markets by class appetite guide. The result shows up in the options step, the "Your vault weighed in. Anything else?" screen right before the deck finishes building: confirmation the market is already on file for that class, a note that the carrier is not in your vault yet, or a neutral note that your vault is ready to consult if no carrier was parsed at all. See The appetite guide and The pre-build options step.
#Standards as recommendation candidates
Coverage standards feed the same options step. Flagged items from the coverage gap scan show up there as checkboxes you can select to carry into the deck's Recommendations slide. Checking a box is what actually puts that recommendation in front of the client, an unchecked standard stays a standard, not a slide. See Coverage standards and preferred vendors and The Recommendations slide.
#Class matching for call discovery briefs
When you build a discovery brief from a pulled call, with no quote loaded yet, the Vault still gets consulted. ProClose matches what was discussed on the call against your appetite guide's classes, so the brief can note something like a real market you already have on file for that kind of risk, even though there is no premium to price yet. See Discovery briefs for the rest of that build path.