Cytora, a digital risk processing platform for the insurance industry, has launched Cytora Autopilot, a new agentic AI capability designed to enable insurers to automate end-to-end risk workflows for the first time.
The platform allows workflows to execute automatically without human intervention, responding to available data and adapting as new information arrives — even when that information is dispersed across multiple communications over extended periods.
Underwriting teams and claims handlers, who currently spend up to 50% of their time reviewing submissions, identifying missing data and writing follow-ups to brokers, would instead move to supervising a self-executing flow of risk.
Autopilot addresses a longstanding barrier to full automation: the fragmented nature of risk transactions, where information arrives across multiple channels and timeframes, and where workflows have historically lacked the memory or intent needed to progress independently.
The platform automatically links communications, assembles information from internal, external and submission sources, and executes workflows as data becomes available — covering processes from submission to quote and claim to adjudication.
For North American carriers and agencies, Cytora enables agentic collaboration across the carrier-agency relationship, automating the exchange of submission data and accelerating workflow completion. Carriers can present quotes to brokers ahead of renewal with minimal human intervention, while agencies can process directly from their management systems. Data can also be shared across lines of business to unify client context and improve product density.
Key capabilities include agentic workflow orchestration, persistent workflow context across communications, cross-portfolio risk visibility, explainable agentic reasoning with fully auditable workflow steps, and accelerated turnaround times that allow insurers to respond to brokers in minutes rather than hours or days.
Cytora CEO Richard Hartley said, “Autopilot marks a breakthrough in the evolution of risk digitization. The industry has reached the limits of static digitization — we’ve seen enormous progress turning submissions into structured data, but workflows themselves have remained largely manual. Autopilot changes this dynamic by enabling workflows that understand context, dynamically, respond to new information and execute autonomously as the full picture of a risk evolves. This allows insurers to dramatically improve operational efficiency while strengthening the quality and consistency of underwriting and claims decisions.”
Hartley added, “Cytora has consistently pushed the frontier of AI in commercial insurance, and Autopilot is a huge leap in our mission to transform commercial insurance through AI-powered risk digitization and workflow automation. It not only sees risks as a human would, it completes workflows as a human would – reasoning about the information available, orchestrating decisions and executing processes from submission through to outcome.”
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