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For carriers

Capture more of the premium your agents place elsewhere.

Agents place business with carriers that are make quoting easy.

What moves premium, and what costs it

When carriers make it easier for agencies to do business, everyone wins. When the experience creates friction, that business can quickly go elsewhere. Our carrier solutions from Applied put your products in front of them and helps you get your quote back first.

  • 2x

    Onboarding revenue

    Honeycomb more than doubled the revenue an agency generates in its first 90 days after sharpening how it targets and onboards new agencies.

  • 70%

    Intake time, cut

    Arch Insurance cut submission intake time by 70% and moved from three-to-four-day quote turnaround to same-day.

  • 90%

    Friction costs you business

    90% of agents have reduced business with a carrier because the process was too hard.

  • ~2x

    Easy beats commission

    Simple quoting outranks commission as a placement driver by almost double.

Where premium is won

Each stage of the journey creates an opportunity to grow premium, from appointing the right agencies to delivering the first quote. Strengthening each step helps keep business moving your way.

Attract the right agency partners

See the active policies agencies already write across the market and make more informed agency appointments and grow your share of their business based on size or location.

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Faster submission intake

Small commercial submissions often arrive by email and sit in suspense. Win more email-submitted business and give underwriters the quote-ready information they need to make decisions without manual intake.

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Win more of the business you want

Publish your appetite once, and it reaches every agency system, rater, and portal your distribution uses, down to the six-digit class code.

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Increase quote to bind ratios

On a small commercial deal, the first quote back usually wins, so get your quote to the front of the line.

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What customers are saying

We are committed to giving brokers and clients enhanced service levels and Cytora has been a foundational partner helping us to effectively grow our scale and enable our underwriters to provide enhanced service to customers and brokers. We are now deepening our partnership with Cytora to build on the success we have achieved to date and are excited about creating further value for our brokers and clients in this next phase.

Neil Galjaard
Neil Galjaard Managing Director Markel

It’s improved the efficacy of our agency targeting and onboarding process, and so before and after, we’ve more than doubled the revenue that we generate.

John Repka
John Repka SVP Sales & Revenue Operations Honeycomb Insurance

Frequently asked about growing written premium

Premium leakage is written premium a carrier is entitled to but never collects. Some of it never arrives, because an agency placed the risk somewhere easier. Some arrives with data too thin to rate the exposure accurately.

In the independent channel the first kind dominates: 90% of agents have reduced business with a carrier because the process was too hard.

Commercial carriers grow written premium through the independent channel by being easy to place with. The agency decides where a risk goes before you ever see it.

That means publishing appetite where agencies already work, taking in submissions without re-keying, and returning a quote while the agency is still on the deal.

Ease of doing business, more than terms. In the 2026 survey, simple quoting outranked commission as a placement driver by almost double.

Digital experience is overtaking the relationship year over year, so the carriers an agent reaches for first are increasingly the ones that are simply easier to submit to.

Re-keying. 74% of agents name it their number-one workflow pain point, and 98% re-key data that already exists in their management system before they can submit to you.

Publishing appetite into the systems agencies already use removes that step at the moment the agency is deciding where the risk goes.

Go deeper on growing written premium

Hit your premium goals

Find out which point in your workflow is costing you the most premium. Bring nothing but your questions.

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