Every incoming commercial risk is parsed automatically and matched against a living carrier-appetite database. Tailored submission packets are generated and dispatched to every fitting market in one pass — so each risk reaches three times as many carriers, in hours instead of days.
Typical results
2x
Quotes per risk
+22%
Bind rate
5 min
Packet assembly time
Figures reflect typical results for this kind of automation.
The challenge
Carrier appetite lived in brokers' heads and outdated PDF guides. When a commercial risk came in, each broker submitted to the three or four markets they knew best and stopped — assembling every submission packet by hand took an hour. Good risks never reached carriers who wanted them, and quotes came back thin.
Before and after
Carriers per submission
3×Packet assembly time
−92%Quotes received per risk
2×The automation
We built a living carrier-appetite database — class codes, geographies, limits, exclusions — kept current from carrier bulletins and underwriter feedback. When a risk arrives by email, AI extracts the business class, exposures and requested coverage, then matches it against every market's appetite. The system generates a tailored submission packet per carrier, using each one's preferred format and forms, dispatches all of them in one pass, and tracks which markets respond with quotes.
How it works
- 01
Risk lands
A commercial submission arrives from a retail agent by email with its supporting documents.
- 02
AI reads the risk
Business class, exposures, limits and requested coverage are extracted automatically.
- 03
Appetite match
The risk is scored against every carrier's living appetite profile — class codes, geographies, limits, exclusions.
- 04
Packets out in one pass
A tailored submission packet goes to every matched market, in the format that carrier prefers.
- 05
Quotes tracked
Responses log against the risk so brokers can compare terms side by side.
Starts from
- Retail agent submissions
- Risk documents
Delivers
- Submission packets
- Matched carriers
- Quote tracking
The impact
Each risk now goes to an average of nine fitting carriers instead of three, and submission packets that took an hour each are assembled in minutes. Quotes per risk doubled, bind rates rose 22%, and brokers spend their day negotiating terms instead of copying data into forms.
Questions about this automation
How is the carrier appetite database kept up to date?
Each carrier profile stores class codes, geographies, limits and exclusions. Brokers update it from carrier bulletins and underwriter feedback, and declines with a stated reason are logged against the profile, so matching reflects what each market is writing now instead of an outdated PDF guide.
What does the AI extract from an incoming submission?
It reads the retail agent's email and attached documents, such as applications, loss runs and schedules, and pulls out the business class, exposures, limits and requested coverage. Fields it can't read with confidence are flagged for the broker to confirm before the risk is matched and packets go out.
Does the broker approve submissions before they are sent?
The broker can review the list of matched carriers and add or remove markets before dispatch. Each packet is generated in that carrier's preferred format and forms, and incoming quotes are logged against the risk for a side-by-side comparison of terms.