Binding subjectivities and hot points
Updated July 11, 2026
Two related but different things show up around what a carrier needs before a policy can bind: the client-facing Binding requirements slide, and an internal-only side panel called Hot points. They come from different parts of the quote and serve different audiences.
#Binding requirements
This slide appears whenever the carrier quote listed subjectivities, the conditions the carrier requires before it will bind coverage. Eyebrow "Binding requirements", headline "What the carrier needs to bind." The body is a plain list of every subjectivity as parsed off the quote, things like a signed TRIA election form, a completed ACORD application, a property inspection completed within a set window, loss runs, a tenant-lease clause requirement, or written confirmation that recalled electrical panels have been ruled out.
The parser is deliberately thorough here. Subjectivities on a real carrier quote often run as a numbered list that continues across a page break, with unnumbered lines picked up as continuations of the item above rather than getting cut off at the page boundary. The reasoning is straightforward: missing a binding item is real errors-and-omissions exposure, so this slide would rather over-include than silently drop something the carrier is asking for.
If the quote listed no subjectivities at all, this slide simply doesn't appear.
#Hot points
Hot points are a different thing entirely, and they are never part of the deck. They live in a separate side panel, opened from the "Hot points" toolbar button, explicitly labeled "Talking points for your walkthrough. Not shown to the client." Think of it as your own prep notes for the call or meeting where you walk the client through the proposal, not content you'd ever print or send.
Hot points draw on a mix of sources: a note that the carrier stays hidden and is being presented as an A-rated specialty company, callouts pulled from the same coverage-gap scan that feeds the Recommendations slide, and anything notable from a folded-in call. On a discovery brief, hot points instead surface the call summary, the next step, and whichever vault markets matched the risk, since there's no quote yet to draw binding-side talking points from.