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Uplift written premium at a lower expense ratio
Higher volumes of submissions arrive; they’re processed and decisioned automatically, and your quotes arrive in minutes—before anyone else.
Insurance carrier software
Many agency connections. One network. Zero re-keying.
The Applied carrier suite helps you connect with agencies, process risk more efficiently, source new submissions, and stay ahead of what’s next.
Results Applied carriers report, from first-party data and research
Meet brokers where they are
Agents pick carriers that are easy to work with in the channels they prefer. Be that carrier at every step, from the first appetite check to the claims that follow.
Apply your view of risk to every submission
Submissions arrive structured and checked against your own rules, so underwriters spend their time on the risks that fit.
Stay in perfect sync with agency partners
Agents get policy, claims and billing changes in their own system as they happen, so servicing costs less as your book grows.
Be the first carrier agents see
Agents see your appetite in their management system before they pick a market, and your quotes come back to the same screen.
Connected Trading
Agencies and carriers trade inside the systems each already runs
Connected Trading embeds your underwriting and claims systems directly into Applied’s agency management systems. Renewals get quoted like magic, before the agency remarkets at all. Your underwriters review every referral, and the network grows more useful with each agency and carrier that joins.
Holistic suite of carrier products to help you attract more of the right risk, and write it more efficiently than ever before.
Holistic suite of carrier products to help you attract more of the right risk, and write it more efficiently than ever before.
Policy, claims and billing updates go straight into each agency's system, so agents serve your shared clients from current information.
Agentic AI to digitize intake in any channel, format or language and returns a decision-ready record to underwriters, or a bindable quote directly to the agency’s preferred channel.
Publish your appetite, questions and rules once, and every connected rater and agency platform quotes from the same version.
See each agency's premium, policy count and share against other carriers, and compare your pricing with bound policies from across the market.
Request the lines and states you want from an agency you already appoint, and receive the policies structured and ready to quote.
You have
risk you don’t want, and you want risk you don’t have. Show agents what you want to write, by line and class, in the tools they already use.
Carriers already running this way
Industry recognition
Recent awards for Applied
Independent judges recognized the products carriers use to reach agencies and process risk.
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2026 Datos Impact Award – Zurich and Cytora, data innovation in commercial insurance
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2025 PropertyCasualty360 Insurance Luminaries – Bookroll
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2026 American Business Awards – Company of the Year, third straight year
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Questions about the Applied carrier suite
The Applied carrier suite is insurance carrier software that connects you to independent agencies across the whole relationship. It brings the carrier products sold under Ivans and Cytora together, from one partner.
As commercial insurance software, it covers agency market intelligence, appetite, submission intake, quoting, book transfers and the policy, claims and billing data you send to agencies.
Distribution teams use it to decide which agencies to grow and to put appetite in front of agents. Underwriting teams receive submissions ready to review, and claims and servicing teams keep agency systems current.
Operations, IT and transformation leaders use it to connect agency distribution to the systems they already run, without building each integration themselves.
It doesn't replace your core systems or underwriting workbench. Your policy administration system stays the system of record for policies, claims and billing.
The suite works between that system and your agencies. It publishes what you're willing to write, returns what agents submit ready for your team, and sends policy and claims updates back to agency systems.
Applied Epic connects to carriers through Applied’s own carrier platforms. Ivans handles download and data exchange with more than 700 carrier markets, and Cytora helps carriers read incoming submissions and return quotes faster.
Applied works on both sides of that exchange, so policy, submission and quote data moves between your agency and its markets from inside Applied Epic.
You can, but every agency system, rater and portal needs its own build and upkeep. Applied already connects to 38,000+ agencies across 45+ management systems, so you build one connection instead of dozens.
In-house AI tends to start with one use case, like triage. The suite already runs from appetite to policy and claims data.
No, you buy the products that fit where you are today and add more as it makes sense. Nothing requires the rest.
A carrier with a mature appetite program might start with Market Appetite. One focused on servicing might start with Ivans Download, and one growing through existing agencies might start with Bookroll.
Go deeper on the carrier suite
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Report
2026 Carrier-Agency Connection Report
Nine years of survey data on what independent agents want from carriers.
Read the Report -
Guide
The AI Maturity Curve: Five Stages Insurers Move Through on the Way to Agentic Underwriting
The five stages carriers move through as they automate submission intake and triage.
Read now -
Customer story
Applied Announces Submissionless Commercial Insurance Experience with Travelers as First Anchor Carrier Partner
New AI-powered capability will enable carriers to deliver renewal quotes directly inside agency management systems
Read the story
Let’s make risk flow without friction
Grow your distribution, automate workflows, source the right risk, and stay ahead of what’s next. Only with Applied.