How long does a commercial submission sit before an underwriter can even look at it? Intake, clearance and data entry eat days — while the pricing judgment takes minutes. We build AI agents that run submission intake, extraction and appetite triage, so your underwriters only touch the decision.
In commercial lines the broker binds with whoever returns the first credible quote — every day a submission sits in intake is a day a faster carrier is already in front of the broker. Yet most of a submission's life is queue and keystrokes: reading a messy broker email, clearing it against the book, re-keying loss runs and SOVs, chasing the context the broker didn't send. The underwriter's judgment is the thin slice at the end, after the days have already burned.
Our agents run those first five steps — intake, clearance, extraction, enrichment, appetite screening — so your licensed underwriters open complete, in-appetite files ready to price. Triage speed becomes a direct input to hit ratio, not a back-office nicety. The pricing call, the terms and the genuinely ambiguous risk stay on the desk by design.
An agent reads the broker email and its PDF/Excel attachments, identifies LOB, named insured, effective date and broker of record, then runs duplicate and BOR clearance against your book before the file moves.
Loss runs, SOVs and supplementals are written into PolicyCenter or your system of record with the source document attached — the biggest time sink and transcription-error source, gone.
The property/CAT, occupancy and financial context the broker didn't send is pulled automatically — the file arrives complete instead of triggering a manual hunt.
Every submission is screened against your appetite grid up front — underwriters open in-appetite files first, and out-of-appetite risks get a fast, courteous decline instead of desk time.
Built around the judgment checkpoint, not over it. The system delivers a triaged, populated, appetite-screened submission to that checkpoint — it doesn't make the decision.
Every extracted field traces back to its source document — the underwriter trusts or overrides at a glance instead of re-keying to check.
Powered by: Document Intelligence C02Duplicate, in-flight and BOR checks run automatically against your in-force book — a miss never means two underwriters quoting the same risk.
Powered by: Automation & AI Agents C03Low-confidence extractions route to a human step rather than getting guessed — tuned to your accuracy tolerance, not a generic default.
Powered by: Knowledge & Analytics C04The pricing call, the terms and the genuinely ambiguous risk stay on the desk. We'll tell you where automation won't pay off.
Powered by: Governance & AssuranceA packaged "submission tool" is trained on someone else's brokers and someone else's appetite. It demos well, then mis-parses your broker's spreadsheet. We build around your actual book — and production reliability is the craft: the agent holds up across real broker-format chaos and volume, where most pilots quietly fall over.
See how we deliver →A short, no-pitch teardown: where a submission loses days before a pricing decision, and which of those steps AI actually closes. Then, if it's worth a conversation, a 20-minute look at your intake queue.
Claims the bottleneck instead? FNOL intake & triage →
