When a client seeks coverage for a separate and independent risk, the insurer usually requires a formal written application. The application captures the material facts needed for underwriting, rating, coverage selection, and policy issuance. A broker cannot assume that information from an earlier placement applies to a new risk, especially where occupancy, ownership, operations, values, drivers, liability exposures, prior losses, or protection features may differ. A broker of record letter is used to appoint or authorize a broker to represent the client with an insurer; it does not itself provide the underwriting information needed for a new risk. A statement of change request is appropriate for modifying an existing policy, not applying for independent coverage. “Insured’s authorization application” is not the standard document for submitting a new risk. The application also supports the duty of disclosure and creates a written record of representations made by the applicant, which is important for both underwriting integrity and E & O defence. References/topics: The Application Process; applications, new risk submission, material facts, underwriting documentation.