Risk digitization platform

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Built for commercial insurance

Turn your intake into decision-ready

Cytora is the risk digitization platform for commercial insurance giving brokers, insurers and reinsurers unparalleled control over how they digitize the risk intake they receive from trading partners, driving improved premium growth, profitability and service across all lines of business. The Cytora platform is LLM-powered and does not require training, enabling fast and scalable enterprise deployments. With Cytora, clients control the entire digitization process, enabling them to author their view of risk and accelerate competitive differentiation.

Use Cases

Every aspect of your intake, covered

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Client Submissions

  • Digitize client submission intake 
  • Out-of-the-box schemas by segment, lines of business, country and more
  • Turn client submission intake, placement-ready
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Quotes

  • Digitize quote intake from insurers 
  • Out-of-the-box quote schemas across all lines of business 
  • Standardize to your view of risk, highlighting key differences in coverage, limits, and exclusions
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Policies

  • Digitize policy intake from insurers 
  • Out-of-the-box policy schemas across all coverage types
  • Fulfil your view of risk, highlighting differences in terms, conditions and coverage
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Invoices

  • Digitize invoices and billing intake
  • Out-of-the-box schemas across all invoice types
  • Automatically trigger internal workflows for accounting, approval, payment processing, record keeping and reporting
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Welcome to the Cytora platform

Get started – schedule a platform demo with our pre-sales team

Thank you for showing interest in Cytora. Our team will be in touch shortly.
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New Business

  • Digitize the new business intake 
  • Out-of-the-box schemas across all lines of business
  • Pre-integrated data sources to support clearance, client accumulation and risk evaluation
  • Auto-evaluate risk submissions in the context of risk appetite
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Renewals

  • Digitize the renewal submission intake
  • Integrate with systems of record to identify field values which have changed in the policy term and streamline renewals
  • Pre-integrated data sources to identify changes in risk across the policy term
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Mid Term Adjustments (MTAs)

  • Digitize the MTA intake received from brokers
  • Leverage out-of-the-box schemas across all types of mid term adjustment
  • Utilize pre-integrated data sources to support clearance, client accumulation and risk evaluation
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Claims

  • Digitize the claim submission intake, including FNOL and post-FNOL claim submissions
  • Out-of-the-box classification across all claim submission types
  • Pre-integrated data sources to support clearance, client accumulation and risk evaluation
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Welcome to the Cytora platform

Get started – schedule a platform demo with our pre-sales team

Thank you for showing interest in Cytora. Our team will be in touch shortly.
Oops! Something went wrong while submitting the form.
Get started

New Business

  • Digitize the new business intake
  • Out of the box line of business schemas
  • Pre-integrated data sources to support clearance, client accumulation and risk evaluation
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Claims

  • Digitize the claim submission intake including FNOL and post-FNOL
  • Out-of-the-box classification across all claim submissions types
  • Out-of-the-box claim schemas supporting intake to adjudication
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Renewals

  • Digitize the renewal submission intake
  • Integrate with systems of record to identify field values with have changed in the policy term
  • Pre-integrated data sources to identify changes in risk across the policy term
Learn more

Mid Term Adjustments (MTAs)

  • Digitize the MTA intake from brokers
  • Out-of-the-box schemas
  • Pre-integrated data sources to support clearance, client accumulation and risk evaluation
Learn more

Welcome to the Cytora platform

Get started – schedule a platform demo with our pre-sales team

Thank you for showing interest in Cytora. Our team will be in touch shortly.
Oops! Something went wrong while submitting the form.
Get started

Facultative Submissions

  • Digitize facultative submission intake
  • Author the specific view of risk with enhanced control
  • Pre-integrated data sources to support clearance, client accumulation and risk evaluation

Claims Submissions

  • Digitize the claim submission intake including FNOL and post-FNOL
  • Out-of-the-box classification across all claim submissions types
  • Out-of-the-box claim schemas supporting intake to adjudication

Treaty Submisisons

  • Digitize treaty submission intake
  • Out-of-the-box classification across all claim submissions types
  • Author your view of risk across submission, internal and external data sources

Welcome to the Cytora platform

Get started – schedule a platform demo with our pre-sales team

Thank you for showing interest in Cytora. Our team will be in touch shortly.
Oops! Something went wrong while submitting the form.

Author your view of risk

Risk travels unstructured and heterogeneous through the value chain. From new business to claims, across all transaction types, Cytora lets you author your view of risk from submission, internal and external sources using natural language - no training required.

Digitize your intake

Effective workflows move risks for decisioning without absorbing capacity. Cytora digitizes your intake from new business to claims, fulfills your view of risk and turns every transaction you receive, decision-ready.

Optimize your flows

Risk is changing at an accelerating rate requiring management achieve visibility over workflows. Transparent, traceable and explainable digitization lets you refine decisioning flows, optimize automation and accelerate target portfolio shape.

Benefits

Uplift premium and improve combined ratio

30%

Uplift in premium growth 

Create new capacity to quote more, bind more and service more of the right risks

Improve

Underwriting margins

Improve loss ratio by up to 3pp through superior control over risk selection and decisioning

Transform

Broker service

Improve broker experience by halving turnaround time across the whole risk lifecycle

AI-first

Powered by Generative AI

Commercial insurance involves many request types - from new business to renewals to claims - spanning hundreds of lines of business globally. Cytora is powered by Large Language Models, pretrained to commercial insurance, unlocking fast and scalable deployments which generate measurable benefit realization.

Control

Configure line of business schemas in natural language giving you control to shape your unique view of risk, expand schemas in a self service approach and accelerate competitive differentiation.

Scalable

Zero training required unlocks rapid go lives, measurable ROI and unlocks parallel deployments across multiple intake workflows, countries and lines of business. 140+ languages supported out of the box.

Secure

ISO certified with built-in enterprise grade security. Cloud deployments are managed, standardised, tested, and audited, with robust access controls that fluently scale to meet customer demand.

Integrate

Integrate your risk data providers

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Awards

Award-winning technology

Risk flow center

Everything you need to start and continue your transformation

Evolving from manual workflows to digital risk flows requires cross-functional collaboration and buy-in from key stakeholders. Risk Flow Center is designed to equip your organisation with all the necessary resources to accelerate the digital transition and ensure success on the path to becoming a digital-first insurer. From simple explainers of how to digitize core workflows to accelerate business objectives, to key sources of value, to typical integration patterns, through to documentation.

Latest materials

Podcasts

Testimonials

Trusted by the world's top insurers

Amir Farid

Chief Operating Officer

The collaboration is focused on enabling Chubb Claims documents to be automatically digitized, eliminating the need for manual intervention. Cytora’s platform enables Chubb teams to create, compose and deploy AI-native Claims document flows in a scalable approach across multiple markets and lines of business.”

Amir Farid

Chubb North America Transformation Officer

Troy Dehmann

Chief Operating Officer

We are investing in digital capabilities to unlock scalable growth, Cytora enable us to streamline key workflows enhancing efficiency and effectiveness and further developing how we use data to drive decision making across the group and accelerating our profitable growth.”

Troy Dehmann

Chief Operating Officer

Neil Galjaard

Managing Director

At Markel, we are committed to giving brokers and clients enhanced service levels and Cytora will enable us to create capacity to effectively grow our scale in our key sectors and enable our underwriters to provide further enhanced service to customers and brokers.”

Neil Galjaard

Managing Director

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