Cytora is the digitization and workflow layer Applied provides for insurers, turning broker submissions into decision-ready risk. It reads every submission, sorts multi-line requests, and fills your schema automatically.

From there, underwriting process automation keeps the workflow moving – chasing missing information, running appetite and pricing checks, and routing the finished risk into your rating engine or policy system.

No. Cytora digitizes and enriches the submission, automates the appetite and portfolio-fit checks, then hands your underwriter a decision-ready risk – or, where you've set the rules for it, moves a clean, in-appetite risk straight through to a quote.

Either way, the underwriting call is still yours. Cytora surfaces the risk and the reasoning behind every field; a person confirms it.

Cytora reads each interaction as it arrives and classifies it – by transaction type, line of business, geography, or language – even when several requests land in the same email, in any format.

Where one message covers more than one risk, Cytora splits it into separate requests automatically, so each one follows its own workflow.

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.

No. You describe a new field in natural language, as you’d explain it to a colleague, and start from a ready-made schema for your line of business.

You can copy, edit, or extend any schema yourself, then test its accuracy against your own confirmed results before go-live – no coding and no model retraining.

You set the confidence threshold at the schema or field level. Anything Cytora extracts below that line goes to a reviewer instead of moving forward untouched.

Every field also shows the exact source it came from and how confident Cytora is in the value, so a reviewer can confirm it fast.

Cytora sends the completed risk record straight into the systems you already run – your rating engine, policy admin system, CRM, or underwriting workbench – the moment it’s finished.

Nothing gets re-keyed along the way, and the same structured data that reached your underwriter is what lands in your downstream systems, ready for the next step.

You decide, field by field: one source, several combined, or one source checking another, across submission, internal, external, and web data.

You set the mode in natural language, so a broker’s stated revenue can be verified against a third-party source before it ever reaches your underwriter.