Applied Systems, a provider of insurance software, has launched a new agentic email-to-quote submission channel designed to help carriers automatically quote on business submitted by brokers via email.
The offering is powered by Cytora, Applied’s agentic AI platform built for carriers, and works by converting unstructured broker email submissions into carrier-ready quotes without the need for manual intake.
The system ingests a broker’s email submission, extracts and structures the underlying risk data, then classifies and prices it while applying each carrier’s own underwriting rules and risk appetite. A quote, decline or referral is then sent back to the broker by email, threaded against the original message, effectively turning a carrier’s inbox into a straight-through-processing channel.
For carriers, the tool is intended to cut quoting and response times from days to minutes, regardless of the agency management system a broker is using, while helping to improve win rates on email-submitted business that sits outside a portal or API connection. Applied says it should also lift underwriting quality and response times, boosting carriers’ ability to win business submitted through this route.
Brokers, meanwhile, stand to benefit from a simplified email submission process within their existing workflows, cutting out much of the time otherwise spent navigating multiple carrier portals and commercial raters, while gaining quicker access to additional markets with less friction in getting submissions in front of carriers.
The email-to-quote channel currently supports admitted small commercial lines everywhere carrier straight-through-processing APIs are available. Lines covered at launch include Business Owners Policy, General Liability, Workers’ Compensation, Commercial Auto, Cyber, Professional Liability, Inland Marine and Umbrella, with further lines expected to be added in due course.
Applied Carrier general manager Katarina Pregelj said, “Applied connects the insurance lifecycle, and leveraging Cytora’s agentic AI, we are now able to help carriers reach commercial submissions wherever they enter it, including the broker email traffic that has never had a path to automation.
“Email-to-quote lets carriers open a new distribution channel without adding intake headcount or BPO spend, so they can win business while the deal is still live.”
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