Applied Systems has launched an agentic email-to-quote solution designed to turn broker email submissions into carrier-ready quotes, allowing insurers to automate a submission channel that has traditionally required manual intake.

Powered by Cytora, Applied’s agentic AI platform for carriers, the solution ingests unstructured broker emails, extracts and structures risk information, classifies submissions and applies each carrier’s underwriting requirements and risk appetite.

The system can then return a quote, decline or referral directly to the broker by email, threaded against the original submission.

Applied said the technology is designed to connect email submissions to straight-through processing without requiring brokers to change their existing workflows.

From inbox to quote

For carriers, the solution is intended to reduce the time required to respond to brokers, with Applied saying submissions that previously took days can be processed in minutes.

The platform also gives carriers a way to compete for business submitted outside traditional portals and API connections, potentially expanding the volume of digital business they can process without adding intake staff or outsourcing costs.

Katarina Pregelj, general manager of Applied Carrier, said email has remained an important submission channel that has lacked a path to automation.

“Email-to-quote lets carriers open a new distribution channel without adding intake headcount or BPO spend, so they can win business while the deal is still live,” Pregelj said.

The solution is currently available for admitted small commercial lines where carrier straight-through-processing APIs are supported.

Supported lines include business owners policies, general liability, workers’ compensation, commercial auto, cyber, professional liability, inland marine and umbrella. Applied said additional lines are expected to be added.

A different route for brokers

For brokers, the system is designed to preserve email as a familiar submission method while reducing the need to move between carrier portals and commercial raters.

Rather than requiring a broker to manually re-enter submission information into multiple systems, the technology processes the information contained in the original email and routes it through the participating carrier’s underwriting workflow.

Applied said this could give brokers faster access to additional markets while reducing friction around one of the industry’s most common submission channels.

The launch also highlights a broader push by insurance technology providers to bring agentic AI into the carrier-broker exchange. Instead of simply extracting information from documents, the Applied-Cytora solution is designed to take action on that information — assessing the submission against carrier requirements and producing an underwriting outcome.

For carriers, the proposition is ultimately about turning the inbox from a manual intake point into another automated distribution channel.