Applied Systems, an insurance software provider connecting agencies, brokers and carriers across the global risk value chain, has launched a new agentic email-to-quote submission channel designed to turn broker email traffic into an automated path to carrier quotes.
Built on the agentic AI platform from Cytora, the new tool converts unstructured broker email submissions into carrier-ready quotes without any manual intake required.
The system ingests broker emails, extracts and structures the risk data, then classifies and prices the submission according to each carrier’s own underwriting rules and risk appetite. Once processed, a quote, decline or referral is sent back to the broker by email, threaded to the original message, effectively converting the carrier’s inbox into a straight-through-processing channel.
For carriers, the tool is designed to cut quoting and response times from days to minutes, regardless of the agency management system a broker uses. It also aims to boost win rates on business submitted by email, outside of the usual portal or API connections, while improving underwriting quality and the ability to compete for business more broadly.
Brokers, meanwhile, are expected to benefit from a simpler submission process within their existing workflows, reduced time spent logging into separate carrier portals and commercial raters, and easier access to additional markets with less friction involved in getting submissions seen by carriers.
The email-to-quote functionality currently covers admitted small commercial lines in areas where carrier straight-through-processing APIs already exist. This includes Business Owners Policy, General Liability, Workers’ Compensation, Commercial Auto, Cyber, Professional Liability, Inland Marine and Umbrella cover, with additional lines expected to be added over time.
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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