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Quotes before the submission
Renewal risk data already in the agency's system becomes a bindable quote, so you're in front of the broker before remarketing starts.
Connected Trading
A new era of commercial risk trading starts inside broker systems
Your appetite, quotes and decisions reach brokers inside their own management systems. Submissions arrive decision-ready, and your quote lands back in their workflow in minutes.
Commercial risk still trades through forms, inboxes and re-keying, much as it has for decades
Every handoff costs you: operating spend on re-keying, lost premium when you aren't first to quote, and a portfolio shaped by slow responses.
Connected Trading moves risk straight between broker and carrier systems, so you quote first while keeping your own view of risk.
Key benefits
What Connected Trading changes for your distribution and underwriting teams
Less friction for brokers
Brokers trade from the systems they already use, with no new portal to learn and no forms to re-key.
Capacity for more risk
Underwriters spend their time on risks worth writing, while low-value triage and re-keying are automated in the workflow.
First to quote more often
A complete, decision-ready submission reaches your underwriters first, and the first carrier to respond wins the risk more often.
Automated quotes delivered straight into the AMS. No submission required.
How it works
Agencies choose which renewals to remarket
Agencies pick renewals to remarket by size, geography and line of business, inside their own system.
Extract and enrich the risk automatically
Cytora pulls the risk data already in the agency management system and fills in what's missing.
Return a bindable quote to the broker
Your quote lands in the broker's workflow before anyone builds a submission or fills out a form.
Email-to-quote turns email submissions into bindable quotes, automatically
How it works
Digitize emailed submissions on arrival
Email-to-quote reads the email and its attachments, then passes the structured risk to your rating APIs.
Drop your quote back in the broker's inbox
The quote returns to the same inbox the submission came from, without a portal or a comparative rater.
Show brokers your quote alongside the rest
Surface your bindable quote in Submissions Manager, where brokers compare it with others and choose where to bind.
Key features at a glance
The pieces that let carriers and brokers trade risk directly, from appetite to bindable quote.
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Renewal quotes without a submission
Turns renewal data already in the agency's system into a quote, with no submission to build.
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Quotes from emailed submissions
Digitizes emailed submissions and attachments, rates them through your APIs and replies in the broker's inbox.
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One view of marketed submissions
Brokers track every marketed submission in one place and see your bindable quote there.
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AI digitization and decisioning
Cytora structures risk from any channel and decides it against your own appetite and rules.
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Appetite matching
Matches policy data in the broker's book to your appetite before a quote is requested.
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One network, every agency system
Reaches agencies on any management system through one network, with no separate build per agency.
The network behind Connected Trading
Carriers, agencies and transactions already connected on the network you'd trade on.
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100M+
Transactions sent
Sent from carriers and MGAs to agencies without re-keying on either side.
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700+
Carriers and MGAs
Connected through one layer instead of a build per agency system.
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38,000+
Connected agencies
Reached through one network, inside the systems they already run.
Common questions about Connected Trading
Connected Trading lets carriers and brokers trade commercial risk directly inside the systems brokers already use. It combines the Applied network, Cytora's digitization and decisioning, and your own rating APIs.
Submissions arrive decision-ready, and your quote returns straight into the broker's workflow, whether the risk started as a renewal in the agency system or an email with attachments.
Submissionless returns a renewal quote from data already in the agency management system, so the agent never builds a submission.
The industry's first Submissionless transactions are now flowing with the three largest commercial insurers in the US, with Travelers as the first anchor carrier partner.
No. Your policy administration system stays the system of record for policies, claims and billing, and your underwriting workbench stays where your team works.
Connected Trading extends what brokers and their systems see of your appetite, and returns what they submit in a form your team can act on right away.
Yes. Cytora digitizes claims intake with ready-made schemas for every type of claim submission, using the same platform that handles new business, renewals, and mid-term changes.
Cytora triages each claim by complexity as it arrives and routes it to the handling path your operating model sets, so adjusters start from a complete, sourced record.
More than 38,000 independent agencies, through interfaces already in place, with no custom build on your side.
Your appetite reaches agents inside the systems they run every day, submissions come back structured, and policy and claims data flow back on the same connection once a relationship goes live.
It depends on the product and which agency interfaces you need. Configuration happens in plain language rather than a development cycle, so adding a line usually isn't a release.
Ask for a timeline against your own lines and volumes. It will be more accurate than a generic estimate.
No. The Applied suite for carriers is a set of products, not a bundle. You buy the ones that fit where you are today and add more as it makes sense.
A carrier with a mature appetite program might start there, and one focused on servicing might start with Ivans Download™. Nothing forces the rest.
Go deeper on Connected Trading
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Artificial Intelligence
Why Submissionless Carriers Win More Commercial Renewals
Applied Carrier President Michael Streit covers how AI-powered risk digitization and agentic submissionless quoting are reshaping commercial insurance distribution.
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Report
Unpacking the 2026 Agency-Carrier Connectivity Trends
Nine years of survey data on what independent agents want from carriers.
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Guide
The AI maturity curve for carriers
Why document extraction alone is now table stakes, and what full workflow orchestration adds.
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Trade risk where brokers already work
See how Connected Trading fits your lines, your appetite and the agency systems your brokers already use.