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Market risk the way each carrier wants it
Rate a risk across qualified markets, package it for a named underwriter, or email it from the account.
For Commercial Agencies
Build a bigger commercial book, complex accounts included
Regardless of how a risk gets placed across an account, renewals, servicing and reporting should all begin and end in one platform.
Work more of the commercial book with the team you have
A commercial book can only grow as fast as your team can prepare, place and renew its hardest accounts. Submission data, missing risk details, carrier follow-up and routine service requests all compete for the same hours, so renewals start late, and coverage gaps go unquoted. Applied Epic® shows expiring accounts months ahead and uses AI to flag coverage gaps on each one before the renewal conversation. Your team enters a risk once, and every qualified market sees the same submission. AI checks issued policies against the quote and binder before they reach the client. The hours that come back can go to placement decisions and client conversations.
What a bigger book runs on
Commercial lines insurance software has to hold up as the book grows and accounts get harder to place.
Manage a policy in one place
When an endorsement posts against the policy in Applied Epic, servicing and billing read the same detail.
Find coverage gaps already sitting in your book
Every account gets a risk profile built from public data, and the gaps show against the policies on file.
Prove the policy matches what you bound
See where the issued policy differs from the quote, binder or prior term, with the evidence attached.
What customers are saying
Frequently asked about commercial lines
It starts with the risk on the account. From there, the agency either rates it across markets that have appetite, packages it for a named underwriter, or emails it straight from the account, depending on the risk and the carrier.
The route matters less than the record. Whichever way it goes out, the responses come back to the same submission.
Market access is the set of carriers an agency can place business with and the ease with which it can reach them. It covers appointments, appetite visibility, and getting a risk in front of an underwriter who wants it.
Wider access only helps if it is usable. Seeing appetite before a submission goes out is what turns a long carrier list into placements.
Usually not. Commercial lines insurance software that sits outside the management system must import the account, policy and carrier history before it can do anything, which leaves two records to keep in sync.
Where quoting and submissions run against the account itself, a simple BOP and a complex program follow the same path through renewal.
Because more of the account is negotiable. A commercial renewal can involve changed exposures, new schedules, several markets, and an underwriter who wants the file presented a particular way, none of which a rating engine settles on its own.
What shortens it is having the prior term, the endorsements, and the carrier correspondence already attached to the account.
Go deeper on commercial lines
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Blog
How risk intelligence surfaces the exposures hiding in a commercial book.
Learn how insurance agencies can expand their knowledge on accounts and support account growth by adopting technology tools to personalize their strategies.
Read the blog -
Webinar
Where commercial growth comes from in 2026, shown inside Book Builder.
Watch this on-demand webinar to learn how Applied Book Builder, an AI-powered risk intelligence tool embedded in Applied Epic, turns scattered business information into actionable upsell, cross-sell, and new business opportunities.
Watch webinar -
Blog
Practical ways to speed up commercial lines quoting workflows.
Discover seven ways independent agencies can quote commercial lines faster, submit cleaner applications, and match risks to the right markets every time.
Read the blog
Grow the commercial book
See what changes when every commercial account, however its risks get placed, runs off one account and one connected platform.