When you’d need it

A simple flowchart is not enough because the work crosses roles. BPMN shows who does each step and where the process branches under formal rules.

Key decisions

• Swimlanes separate clerk and underwriter responsibilities so handoffs are visible.
• Gateways make the decision logic explicit instead of burying it in prose.
• The diagram keeps one pool, because the example is about internal handoff rather than partner integrations.

When to copy vs. adapt

Use this for approval, compliance, finance, onboarding, and operations workflows. Use a plain flowchart when roles and formal notation are unnecessary.