Submission Automation
From raw submission to quote-ready package — extracted, validated, and routed without manual processing.
The Submission Pipeline Problem
Your underwriting team spends the first hours of every day on data entry. An ACORD application arrives by email. Someone opens the PDF, reads through it, and types the insured name, address, revenue, and coverage limits into a spreadsheet or management system. Then loss runs come in two days later — a different person opens that PDF and manually adds claims history. Driver MVRs trickle in by the end of the week. Each document means another round of reading, typing, and cross-referencing.
This is not just slow. It is where errors enter the pipeline. A misread revenue figure, a transposed policy number, a missed exclusion buried on page three of a supplement. These mistakes cascade — they trigger incorrect validation, wrong carrier routing, and quotes that come back rejected because the submission data did not match what the carrier expected.
The deeper problem is that submissions are not single events. They are conversations that unfold over days. A broker sends an application on Monday. Loss runs arrive Wednesday. The agent emails additional information on Friday. Each document adds a few more fields to the picture. Your team has to mentally track which submission is complete, which is still waiting on documents, and which has been sitting untouched for a week because someone forgot to follow up.
The Intake Associate changes the economics entirely. Your underwriting team’s capacity is no longer gated by how fast they can type. Documents get processed as they arrive — not when someone has time to open them. Fields are extracted by AI, not typed by hand. Parameters merge across documents automatically. Validation runs against your organization’s specific rules. And when the submission is complete, it routes to carriers for quoting without anyone packaging it up manually.
See It In Action
Pick a submission. Watch the pipeline work.
Documents Arrive Over Days. Parameters Accumulate.
Each new document adds information. The system merges automatically.
Parameters merge automatically. Newer data wins. No duplicates.
Every Organization. Their Own Rules.
Configure validation per line of business, per organization.
Fleet MGA
Commercial Auto- DOT number valid
- Fleet minimum 5 vehicles
- MVR clean record check
- Loss ratio < 60%
Regional Agency
General Liability- Revenue minimum $100K
- Active loss runs (3yr)
- GL limits within appetite
- Entity type eligible
Carrier Direct
Personal Lines- Property value in range
- Credit check threshold
- Prior claims limit
Works With Your Systems
Integrate with what you have, or let us handle everything.
Standalone
We build and host everything — your product, your branding, our infrastructure. Go live in weeks, not months.
AMS Integration
Connect to your agency management system. Policies, customers, and commissions sync automatically. No double entry.
Carrier Portal
We automate workflows directly in carrier systems — quoting, binding, document retrieval. Even complex multi-step portals.
Frequently Asked Questions
What types of documents can it process? +
ACORD applications (125, 126, 130, 140), loss runs, driver MVRs, vehicle schedules, supplemental questionnaires, financial statements, and general PDF attachments. The Associate reads document structure — not just OCR text — so it handles scanned forms, multi-page documents, and inconsistent formatting across carriers and brokers.
How does parameter merging work when documents overlap? +
Each document contributes fields to a unified submission record. When the same field appears in multiple documents — say revenue in both the ACORD application and a supplemental form — the Associate uses the most recent value. No duplicates, no conflicts. You see one clean record with full provenance of where each value came from.
Can we configure our own validation rules? +
Yes. Validation rules are configured per organization and per line of business. A fleet MGA has different requirements than a regional agency writing general liability. You define the rules — minimum fleet size, revenue thresholds, loss ratio limits, required documents — and the Associate enforces them automatically before routing to carriers.
Which carriers can it route quotes to? +
Any carrier with an API or portal integration. The Associate is carrier-agnostic — it packages the validated submission in the format each carrier requires and routes accordingly. For carriers without API access, it generates a formatted submission package for manual upload. Multi-carrier quoting is standard, not an add-on.
What happens when a submission is incomplete? +
The Associate tracks completeness in real time. As documents arrive — sometimes over days or weeks — the completeness percentage grows. Missing fields are identified automatically, and the Associate can generate follow-up requests to brokers listing exactly what is still needed. No more guessing what is missing from a submission.
How does this integrate with our existing systems? +
Three modes: standalone with our hosted portal, integrated with your agency management system via API, or embedded within your existing carrier portal workflow. Data flows bidirectionally — submissions, quotes, and status updates sync automatically. No rip-and-replace required.
Let's Automate Your Submission Pipeline
Every organization processes submissions differently — different lines of business, different carrier appetites, different validation requirements. We partner with you to configure a pipeline that fits how your operation actually works.