United States
Canada (English)
United Kingdom
Ireland
Sales and distribution
Grow submissions from the agencies that matter
See what each agency writes and where you rank, then choose the agencies to appoint next.
For Carriers
Uplift written premium. Drop expense ratio.
Applied makes risk flow without friction between the businesses that need it, the brokers that place it, and the insurers that carry it.
Reimagine how risk flows from insured to insurer
From submission to decision to servicing, Applied connects you to agencies inside the systems they already run, with no portal in between.
Solutions for every team across the policy lifecycle
Pick your team to see how Applied fits the work it’s measured on and the results it reports up.
Underwriting
Write more premium with the team you have
Each risk arrives structured and ready to price, and renewals can quote before the agency remarkets.
Operations
Take the re-keying out of your cost base
Policy, claims and book transfer data move without manual entry. Your back office handles more business.
IT
Reach every agency without a custom build
One connection reaches agencies across 45+ management systems, and your engineers stay on the roadmap.
Why Applied for Carriers
Connected, accurate, and built to scale.
More connected
38,000+ agencies and 700+ carriers and MGAs already trade on the same network.
More accurate
Zurich sees 95%+ digitization accuracy on complex, multi-language submissions. More risk can go straight through.
More scalable
Underwriting and servicing run in one place. Adding a line or market needs no new build.
More secure
We hold ISO 27001 certification and SOC 2 Type 2 attestation. Security keeps pace as you scale.
Connected Trading
Agencies and carriers trade inside the systems each already runs
Connected Trading links agency management systems to your rating and underwriting systems. Renewals get quoted before the agency remarkets and emailed submissions turn into quotes. Your underwriters review every referral, and the network grows more useful with each agency and carrier that joins.
What carriers say about Applied
Frequently asked about Applied for carriers
No, agents keep working in their own management system. Your appetite, quotes, policy updates and claim status reach them there, so they don’t have to log in to a portal or rekey a risk.
On your side, Applied connects to the policy administration and claims systems you already run. It doesn’t replace them or underwrite on your behalf.
No, it is not. Applied also builds insurance carrier technology, through the products once sold as Ivans and Cytora. Those products, along with Ask Kodiak and Tarmika, now carry one name: Applied.
Agencies and carriers now work with one company, which builds both the agency management system and the connections carriers use to reach it.
Ivans products now carry the Applied name, and Ivans Download is still available. It connects agencies on 45+ management systems with participating carriers across the industry.
Nothing was withdrawn when the Applied suite for carriers came together. Bookroll, Marketing Insights and the rest keep working as they do today.
Most carriers use a mix of portals, email, comparative raters and agency interfaces. Each one needs its own build, and someone rekeys the risk along the way.
Applied’s insurance carrier technology puts that work on one network. It reaches 38,000+ agencies across 45+ management systems, so your appetite, quotes and policy data land where agents already work.
Start with the outcome you’re measured on. If premium growth is the priority, begin with the agencies you want more business from. If expense ratio is the pressure, begin with intake and servicing.
Each outcome page shows the products that fit it. You add more as your needs change, and nothing requires the whole suite.
Yes. MGAs use the same products carriers do to reach agencies, publish appetite and receive submissions. More than 700 carriers and MGAs already trade on the Applied network.
If your MGA also places business as an agency, Applied Epic covers that side. The MGAs and wholesalers page shows how.
What’s happening at Applied
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Press Release
Travelers is the first anchor carrier for submissionless renewals.
Applied Announces Submissionless Commercial Insurance Experience with Travelers as First Anchor Carrier Partner
Read the release -
In the news
Submission friction now beats price in where agents place business
Ninety per cent of agents have cut business with a carrier specifically because of submission friction.
Read the coverage -
Awards
Zurich and Cytora Win 2026 Datos Impact Award for Data Innovation in Commercial Insurance
Recognition honors the AI-powered submission transformation that cut manual processing and triage time by 80% across 20+ global markets
Read the release
A new era of risk transfer has dawned.
Applied connects agencies and carriers on one network, so risk moves between you and your agents without rekeying.