> For the complete documentation index, see [llms.txt](https://docs.stoik.io/llms.txt). Markdown versions of documentation pages are available by appending `.md` to page URLs; this page is available as [Markdown](https://docs.stoik.io/broker/underwriting/submission-rules.md).

# Submission rules

A broker keeps exclusivity on a prospect as long as there is recent activity in the Stoïk app. The rules depend on your market and on the policy type.

{% tabs %}
{% tab title="France, Monaco, Belgium, Netherlands, Spain, Luxembourg" %}

### Standard policies: exclusivity can expire

Standard policies are prospects with revenue below €50 million that align with Stoïk's standard underwriting guidelines.

* **Active prospect:** exclusivity ends after 90 days with no activity.
* **Inactive prospect:** exclusivity ends 30 days after the initial quote was created.

A warning email is sent 15 days before a standard quote loses exclusivity, so the broker has time to act.

### Custom policies: protected

Custom policies are prospects with revenue above €50 million, or that don't align with Stoïk's standard underwriting guidelines. They are never released for inactivity: they stay with the current broker however long the quote sits idle.

### What activity keeps exclusivity

* Sharing the project by email, or downloading it.
* Downloading the contract, or sending it for signature.
* Booking an expert or risk assessment call. This protects the prospect for 90 days. Cancelled calls don't count.

### Always protected

* **Clients with a live contract** (active, signed but not yet started, or termination not yet effective): a new broker must send Stoïk a signed mandate to take over.
* **Former clients whose contract was ended by Stoïk** for bad debt, a risky renewal, bankruptcy, cancellation, or non-payment: no other broker can take these over.

If every contract with a client has ended, and none was ended by Stoïk for one of the reasons above, any broker can pick up that client, whatever the policy type.

{% hint style="info" %}
Priority rules do not apply in the context of a Public Tender (AOP).
{% endhint %}
{% endtab %}

{% tab title="Germany, Austria" %}
No exclusivity rules apply. Any broker can add a company another broker already holds.
{% endtab %}
{% endtabs %}


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