Applied Systems, a provider of insurance software, has launched a submissionless quoting capability for commercial insurance, with The Travelers Companies joining as the first carrier partner in an effort to streamline renewal workflows using agentic AI.
The capability is powered by Cytora, the carrier-focused AI platform acquired by Applied Systems in 2025. It enables participating insurers to deliver renewal quotes directly into Applied Epic, the agency management system used by brokers and agencies.
The launch reflects a wider shift across commercial insurance, as carriers and intermediaries explore AI and automation to improve efficiency across underwriting, distribution and risk assessment.
Commercial policy renewals often require brokers to manually gather information, prepare submissions and approach multiple carriers before receiving quotes. Applied’s technology aims to reduce this administrative workload by identifying eligible renewal opportunities earlier in the process.
The system analyses an agency’s renewal book across selected lines of business to identify suitable policies. Cytora then converts risk information stored within Applied Epic into structured digital data before sending it to participating insurers’ quoting systems. Quotes are returned to the management platform, allowing brokers to review options within their existing workflows.
Applied said the capability is designed to improve data exchange between carriers and distribution partners while allowing brokers to spend more time on advisory work rather than administrative tasks.
Applied Systems provides cloud-based insurance software for agencies, brokers and carriers, supporting areas including agency management, compliance and workflow automation. Travelers, a property and casualty insurer, is the first carrier partner announced for the initiative.
Applied Systems Carrier president Michael Streit said, “Applied sits at the centre of the insurance lifecycle, which, along with Cytora’s leading agentic AI technology, allows us to reimagine how the commercial insurance transaction flows.
“As an industry leader and our first anchor carrier, Travelers will help shape how risk flows in the future. We look forward to expanding this capability to more stakeholders, creating more efficient and profitable partnerships for brokers and carriers across the distribution channel,” he said.
Travelers executive vice president and president of Business Insurance Greg Toczydlowski added, “Applied shares our commitment to using AI to simplify the commercial insurance transaction. Delivering renewal quotes before remarketing begins lets our agents and brokers spend less time on process and more time advising customers, which is a win for the customer, for our distribution partners and for us.
“The capability also plays to our strengths, the visibility into a distribution partner’s full renewal portfolio combined with our data, analytics and product breadth gives us a meaningful competitive advantage in putting it to work.”
Copyright © 2026 InsurTech Analyst
