Submissionless

Submissionless

Deliver the quote before the submission exists

Commercial risk transfer has always started with a submission: an agent deciding to remarket, gathering the risk information, an email landing in a queue, and days passing before an underwriter ever sees the account. Submissionless removes that step. Ahead of a renewal or new business placement, Cytora digitizes the structured and unstructured risk data already held in the agency management system, fulfills each carriers unique view of risk, engages participating carriers' quoting services agentically - triggering follow-up and third-party enrichment where data is missing - and returns a bindable quote directly into the broker's workflow. Decision-ready quotes are digitized and routed back to the broker to choose from, inside the system they already use. No form is filled. No submission is built. Carriers using Submissionless become the path of least resistance for brokers.

Trading

Be the easiest to trade with

Provide the easiest trading experience for brokers by enabling renewals and new business to flow without requiring a submission, digitizing risk information automatically from within the agency management system and placing quotes directly agents workflow to become the preferred market for your distribution partners.

Submissions

Expand submission flow

Access risks you otherwise wouldn’t see. Actively quote risks within your appetite across the scale of the brokers entire book. Carriers get first look at business they would otherwise never be shown.

Control

Reinforce your unique view of risk

Automate the flow of data between the agency management system and your underwriting workflows while reinforcing your unique view of risk. The Cytora Platform receives, digitizes and turns risk information decision-ready according to your target data schema to support automating quoting and streamlined human underwriting.

FAQs

Learn more about Submissionless risk transfer in commercial insurance

What is Submissionless?

Submissionless lets carriers quote a broker's business without the broker ever building and sending a formal submission. Cytora digitizes the risk data already held in the agency management system, engages participating carriers' quoting services, and returns a bindable quote into the broker's workflow.

How does it work?

Ahead of a renewal, the agency management system makes the policy's structured and unstructured data available. Cytora digitizes it and connects to participating carriers to initiate quoting. Because quoting is rarely a single step, Cytora works the carrier's quoting service agentically — locating missing data points in the risk file and running third-party enrichment where needed — and iterates until the quote is complete.

Does Submissionless replace the broker?

No, the broker stays in control of what they place. Submissionless removes the manual work of rebuilding a submission and puts a competitive quote in front of the broker to choose from, making it easier to consolidate their book with preferred markets.

Is this only for renewals?

No, renewals are the first and highest-volume workflow, but the same orchestration converts risk from any channel - inbound email for new business, or documents dropped into a carrier portal - into a bindable quote.

What does it change for carriers?

Carriers stop competing on access. When a quote arrives in the broker's workflow before anyone else has been asked, the participating carrier becomes the natural first call on the renewal - a growth and retention strategy at once. Non-participating carriers aren't losing that business on price or coverage; they're losing it on friction.

Do brokers need to change how they work?

No, Submissionless doesn't ask brokers to adopt a new interface or change their workflow — it removes a step from the workflow they already have, giving one auto-refreshing view of every submission, whether it started in Epic or in an inbox.

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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.”