You are helping me build the following AI agent workflow.

## Goal
Commercial Insurance Submissions: Reads new insurance applications from a sheet, matches them to carriers by revenue and industry, generates PDFs, emails them.

## Specification
- What it does: You get new commercial insurance applications processed instantly as this agent reads your Google Sheet, matches each one to the right carrier based on revenue and industry, generates personalized PDFs via Google Docs templates, and emails them directly. You also receive a summary report automatically sent back to you once all submissions are complete.
- Trigger: Triggered by an event (Manual · on demand)
- Autonomy: Fully hands-off
- Expected setup effort: under an hour
- Tools/services involved:
  - Google Sheets: Read new insurance applications
  - Google Docs: Generate professional PDF application templates
  - Send Email: Distribute applications to carriers and brokers
  - Code: Filter suitable carriers based on requirements

## Known pitfalls, handle each one explicitly in your implementation
1. Carrier email addresses may change frequently so implement a configuration lookup table instead of hardcoding them.
2. Google Docs API quotas can be exceeded during bulk processing so add delays between PDF generation requests.
3. Template placeholder mismatches will cause silent failures so validate all tags exist before attempting the merge.
4. Large attachment sizes might trigger email provider blocks so compress PDFs or split submissions if necessary.

## Reference implementation
https://n8n.io/workflows/7132 (workflow template)
Fetch and inspect this before building. If it matches my stack, adapt it;
if not, rebuild the pattern with my tools.

## Process requirements
1. Before building: ask me which of the listed tools I actually use and
   what my platform is (n8n / Make / code / other). Do not assume.
2. Adapt the pattern to my answers; do not force the reference stack.
3. Address every pitfall above; tell me how you handled each.
4. Provide a test plan I can run before letting this touch real data.
5. Ask before any step that sends messages, modifies data, or spends money.

Source: https://usecasesforagents.com/use-case/automate-commercial-insurance-submissions/ via usecasesforagents.com