Put your underwriters back on the risks worth their judgment.

The time comes out of preparation, not decision-making. Where submissions are digitized and screened on arrival, the hours an analyst spent extracting data and chasing missing fields stop being spent at all.

Arch Insurance cut intake-to-decisioning from two or three days to two hours this way, and moved quote turnaround to same day.

Not in the part of the job they were hired for. Extraction, screening and routing happen before a submission reaches a desk, and the work connects to the underwriting and rating systems your team already uses.

That last part decides adoption. A platform that disrupts the workflow your underwriters already know makes adoption a battle.

Publish appetite where agents actually work, and screen against it before anything reaches an underwriter. Out-of-appetite submissions usually trace back to appetite that is out of date, or unclear at the edges where the interesting risks sit.

The second half matters as much as the first — agents send what they believe fits.

N‌o. Digitizing intake makes a submission readable and complete before a person sees it, and the underwriting decision stays with your underwriter.

That separation is deliberate rather than a limit. The principle Applied builds to is that the assembly work is automated and the risk selection stays human.