{"id":2370,"date":"2025-05-17T04:46:50","date_gmt":"2025-05-17T04:46:50","guid":{"rendered":"https:\/\/dev.opendesignsin.com\/insillion\/?p=2370"},"modified":"2026-01-09T05:39:05","modified_gmt":"2026-01-09T05:39:05","slug":"submission-automation-insurance","status":"publish","type":"post","link":"https:\/\/dev.opendesignsin.com\/insillion\/blog\/submission-automation-insurance","title":{"rendered":"Transforming Insurance: Submissions Automation & Faster Quote-to-Bind"},"content":{"rendered":"

Picture this:<\/span><\/b>\u00a0Your mid-sized insurance company specializes in personal and commercial auto coverage across North America. Each day, your underwriting team receives about 150 new vehicle policy submissions through email, agent portals, and your\u00a0company\u00a0website in formats such as\u00a0PDFs, spreadsheets,\u00a0ACCORD\u00a0form,\u00a0etc.<\/span>\u00a0<\/span><\/p>\n

Underwriters spend an average of 20-30 minutes organizing 15-25 data points per submission before actual risk assessment begins. Incomplete fields\u00a0require\u00a0additional\u00a0follow-up, which further delays processing, leading to missed opportunities to generate new premium revenue.<\/span>\u00a0<\/span><\/p>\n

The Admin Bottleneck in Claims Processing<\/span>\u00a0<\/span><\/h2>\n

J.D. Power's 2024 U.S. Auto Claims Satisfaction Study concluded that administrative tasks consume 30% of the 17.5-day average an auto claim takes to process from FNOL to settlement.\u00a0<\/span>\u00a0<\/span><\/p>\n

Why Automate Submissions?<\/span>\u00a0<\/span><\/h2>\n

Adopting intelligent solutions such as Inflow by Insillion helps Carriers and MGAs to streamline the submissions process\u2014redirecting employee efforts to higher-value tasks, ultimately increasing underwriting productivity. These platforms leverage AI to extract and categorize data from various formats received across channels.<\/span>\u00a0<\/span><\/p>\n

They not only understand\u00a0context\u00a0such as writer intent and email\u00a0threads,\u00a0but\u00a0also support multi-language and handwriting recognition.\u00a0They\u00a0can also arrange submissions by priority and fine-tune your risk assessment\u00a0\u2014\u00a0Neat, right?<\/span>\u00a0<\/span><\/p>\n

Submissions Automation: How it works\u00a0<\/span>\u00a0<\/span><\/h2>\n

Submissions automation platforms like Inflow<\/a> can be integrated with any channel or platform through which submissions information is received (email, agent portal, messages, etc). When a submission document enters the system, the AI model extracts and classifies the data. This is done using technology like IDP (Intelligent Document Processing), which combines OCR (Optical Character Recognition), Machine Learning, and NLP to read, interpret, and convert unstructured documents into structured, actionable data.<\/span>\u00a0<\/span><\/p>\n

\"Insurance<\/p>\n

Submissions In-take: Going from Structured to Unstructured<\/span>\u00a0<\/span><\/h2>\n

Both structured data like ACORD forms and unstructured data like e-mails and spreadsheets are easily classified, following which processed information flows into\u00a0<\/span>human-in-the-loop<\/span><\/a>\u00a0validation systems if verification is\u00a0required.\u00a0With\u00a0InFlow<\/a>,\u00a0missing or incomplete fields automatically trigger notifications to the client or broker via the same channel used for submission.\u00a0\u00a0This increases\u00a0both\u00a0intake\u00a0speed and\u00a0accuracy,\u00a0significantly aiding overworked administrative staff or underwriters.<\/span>\u00a0<\/span><\/p>\n

Optimized Triage: Get Submissions to the Right Hands<\/span>\u00a0<\/span><\/h2>\n

This information is then triaged, which means it is classified to reflect its priority tier. This is decided based on factors such as premium size, risk complexity, deadline urgency, etc. It is then routed to an underwriter or underwriting team according to their\u00a0expertise\u00a0level, region they handle, etc. This ensures that each case is reviewed by the most qualified team, allowing faster and more\u00a0accurate\u00a0decisions.<\/span>\u00a0<\/span><\/p>\n

Data Enrichment: Make informed decisions<\/span>\u00a0<\/span><\/h2>\n

Finally, any\u00a0additional\u00a0information that an underwriter would find relevant or helpful (claims history, location-based risks, etc.)\u00a0is\u00a0enriched\u00a0with the existing information and sent to them.\u00a0Hazard Hub (for\u00a0location-specific data) and\u00a0<\/span>Veridion<\/span><\/a>\u00a0(for\u00a0location data pre-fill)\u00a0are some\u00a0of the\u00a0data\u00a0sources available for\u00a0integration.\u00a0<\/span>
\nThis process, called submission enrichment, is done automatically by the insurer's systems, which are connected to internal or external sources through\u00a0<\/span>API integrations<\/span><\/a>. The decision of which fields require enrichment is usually a collaborative one- decided by underwriters, actuarial teams, and business analysts, among others.\u00a0<\/span>\u00a0<\/span><\/p>\n

Straight-Through Processing for Faster Quote-to-Bind\u00a0<\/span>\u00a0<\/span><\/h2>\n

Underwriters receive an enriched, structured submission,\u00a0with\u00a0documents such as a loss\u00a0run\u00a0PDFs\u00a0to efficiently assess risk.\u00a0For\u00a0simple, straight-through cases, customers fitting an ideal profile\u00a0(standard coverage\u00a0needs\u00a0and\u00a0low\u00a0loss\u00a0<\/span>exposure)\u00a0<\/span>are quickly\u00a0approved with minimal manual review.\u00a0<\/span><\/p>\n

Expert Oversight for Complex Submissions<\/span>\u00a0<\/span><\/h2>\n

When a\u00a0submission is high-value\u00a0or checks\u00a0a\u00a0condition requiring further\u00a0assessment\u00a0(non-straight-through processing),\u00a0the\u00a0underwriter reviews the submission manually.\u00a0For example, a truck fleet owner\u00a0with a\u00a0history of 3 small claims requests a tailored insurance policy with\u00a0coverage\u00a0<\/span>across\u00a0<\/span>multiple states.\u00a0In this case, the system flags the submission for review due to the\u00a0interstate coverage requirements and potential risk implications based on\u00a0the\u00a0prior\u00a0claims'\u00a0patterns.<\/span>\u00a0<\/span><\/p>\n

Rule-based systems combine risk scores with pricing, calculating an approximate quote. The underwriter then adjusts and finalizes coverage based on their professional assessment.<\/span><\/p>\n

Submissions Automation in Specialty Lines<\/span>\u00a0<\/span><\/h2>\n

Specialty insurance<\/span><\/a>\u00a0submissions\u00a0involve complex policy structures and detailed technical data. While underwriting these risks requires deep\u00a0expertise\u00a0and careful evaluation, valuable time is often spent on manual intake and data preparation.<\/span>\u00a0<\/span><\/p>\n

Insillion's\u00a0InFlow\u00a0structures and\u00a0validates\u00a0data at the point of intake, extracting key\u00a0incoming\u00a0information from\u00a0any\u00a0channel\u00a0and automatically flagging missing details. This\u00a0both\u00a0improves submission quality and speeds up turnaround times.<\/span>\u00a0<\/span><\/p>\n

As a result, MGAs and underwriters focus on what matters most: informed risk assessment and\u00a0timely\u00a0decision-making.<\/span>\u00a0<\/span><\/p>\n

Getting Started\u00a0<\/span>\u00a0<\/span><\/h2>\n

Underwriters\u00a0spend up to 40% of their time on non-core and administrative tasks\u2014costing the insurance industry an estimated $85\u2013$160 billion in efficiency losses over five years<\/a><\/span>.\u00a0<\/span>\u00a0<\/span><\/p>\n

Automating submissions\u00a0with\u00a0InFlow\u00a0by\u00a0Insillion\u00a0cuts down on these repetitive tasks, creating a competitive advantage where you quote faster and accelerate your SLAs\u2014all while keeping loss ratios in check. That means more satisfied employees, happier brokers, and businesses built to last.<\/span><\/p>\n

Supercharge insurance workflows today with\u00a0<\/span>InFlow<\/span><\/a>.\u00a0<\/span><\/span><\/p>\n

Frequently Asked Questions<\/span><\/h2>\n

\u00a0<\/span><\/p>\n<\/div>

<\/i><\/i><\/span>What are the most effective tools for automating insurance submissions workflow?<\/span><\/a><\/h4><\/div>
\n

Solutions<\/span>\u00a0<\/span>that\u00a0<\/span>leverage\u00a0<\/span>IDP<\/span>, AI & NLP with API-first\u00a0<\/span><\/span>platform<\/span>\u00a0<\/span><\/span>configurations<\/span>\u00a0<\/span>like Inflow by\u00a0<\/span>Insillion<\/span>\u00a0<\/span>are\u00a0<\/span>ideal\u00a0<\/span>for\u00a0<\/span>efficient insurance workfl<\/span>ows<\/span>.<\/span><\/span><\/p>\n<\/div><\/div><\/div>

<\/i><\/i><\/span>Which platforms offer customizable workflows for insurance processes?<\/span><\/a><\/h4><\/div>
\n

Inflow by\u00a0Insillion\u00a0offers\u00a05\u00a0insurance workflows\u00a0that can be configured according\u00a0to the Carrier\/MGA's unique needs:\u00a0<\/span>\u00a0<\/span><\/p>\n

    \n
  1. Quote & submission intake<\/span><\/li>\n
  2. Claims FNOL<\/span><\/li>\n
  3. Agent onboarding<\/span>\u00a0<\/span><\/li>\n
  4. STP \/ NSTP & policy servicing\u00a0<\/span><\/li>\n
  5. Endorsements<\/span>\u00a0<\/span><\/li>\n<\/ol>\n<\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div><\/div>\n","protected":false},"excerpt":{"rendered":"

    A submissions automation platform like InFlow can be integrated with any channel or platform from which you receive submission information, like your email, agent portal, or messages.<\/p>\n","protected":false},"author":1,"featured_media":776,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"categories":[17],"tags":[25],"class_list":["post-2370","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-blog","tag-debitis"],"acf":{"event_date":null,"author_name":"Insillion Team","author_image":{"ID":3134,"id":3134,"title":"","filename":"Favicon-2.png","filesize":7655,"url":"https:\/\/dev.opendesignsin.com\/insillion\/wp-content\/uploads\/2025\/07\/Favicon-2.png","link":"https:\/\/dev.opendesignsin.com\/insillion\/blog\/digital-insurance-mga\/attachment\/favicon-2-2","alt":"Insillion 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