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Applied

One integration for all straight-through-processed commercial risks

Publish your appetite, application questions, and workflows once, without the extra integration work. Commercial Distribution ensures every connected partner quotes from your current, unique view of risk.

Each new quoting partner means another integration to build and another copy of your rules to maintain

Your team rebuilds appetite and question sets for each rater, agency platform, and company portal. And the copies drift apart with every update.

Commercial Distribution gives you one connection and one version of your risk appetite. Update it once, and every connected partner sees the change.

Key benefits

What Commercial Distribution changes for your distribution team

Go to market faster

Launch a new product or state once, and every connected partner and their agencies can quote it as soon as you publish it.

Higher in-appetite submission rates

Agencies and brokers see your current appetite before they submit. Fewer risks arrive outside of what you actually write.

Quotes on current rules

Your distribution partners quote against your latest question sets and eligibility, so you don’t decline business your old rules let in.

Underwriting stays in the loop

Risks that fit clean rules move straight through. Everything else routes to underwriting as a structured referral, not a blind submission.

Publish appetite and question sets available to every connected partner

How it works

Set your appetite and eligibility rules

Define the risks you want by line, state, and class in Market Appetite®, and every partner gets them.

Configure question sets without custom code

Build conditional questions by state, class, or risk attribute, then version and publish updates without a development cycle.

Control which distribution partners can access what

Decide who can submit to you and see your configuration, then adjust access as your strategy changes.

Publish appetite and question sets available to every connected partner

Send every submission to a quote, a bind, or an underwriter

How it works

Send clean risks straight through

Move risks that fit your rules straight to a quote or bind, without a person touching the file.

Refer complex risks with structure

Send everything else to your underwriters as a complete, structured submission, with the reason for the referral attached.

Monitor submission flow from one login

See submissions from every connected agency in one place, without logging in to each platform.

Send every submission to a quote, a bind, or an underwriter

Part of Applied

One set of data from appetite to routing

Market Appetite defines what you write, Cytora structures each incoming risk, and Commercial Distribution routes it. Nothing gets keyed in twice.

Explore the full platform

Key features at a glance

Insurance distribution software for carriers, MGAs, and wholesalers that runs commercial distribution through one connected network.

  • Commercial lines coverage

    From BOP and general liability to commercial auto with VIN-based prefill, plus cyber, umbrella, and more.

  • Real-time appetite publishing

    Publish eligibility and appetite from Market Appetite, and every connected partner sees the current version immediately.

  • Configurable, no-code question sets

    Build and version underwriting requirements by state, class, or risk attribute, with no development cycle.

  • Straight-through and referral routing

    Every submission is checked against your rules, then sent to a quote, bind, or underwriter.

  • A connected partner network

    Reach agency systems and quoting platforms like Applied Epic®, Tarmika™, EZLynx® and other platforms, and see which partners send you business.

  • AI-ready out of the box

    Question sets publish in a format AI tools can complete the same way agents do.

What carriers see in Commercial Distribution

  • 7

    Lines of business

    Supported end to end, from BOP to commercial auto, admitted and E&S.

  • 7

    Quoting platforms

    Agency systems, raters and quoting tools already connected to the network.

  • ~20

    Fields to complete

    What an agent fills in on a typical submission once carrier-approved defaults cover the rest.

  • 70+

    Carrier products

    Live on the network, asking almost 4,000 underwriting questions in total.

Common questions about Commercial Distribution

No. As insurance distribution software, Commercial Distribution routes and normalizes submissions; it doesn't generate a premium. Each connected carrier's own rating engine or underwriter still makes that call.

What Commercial Distribution does is get a clean, complete submission to the right place, a straight-through quote, or a structured referral to underwriting when a risk needs a closer look.

They're referred, not dropped. Commercial Distribution evaluates each submission against a carrier's own rules, and anything that doesn't fit straight-through processing goes to underwriting as a structured referral instead of a blind PDF.

The referral carries the reason it was flagged, so an underwriter starts from a complete file rather than a phone call or an email asking what's missing.

Ivans Distribution Platform is now Commercial Distribution. The product, the connections, and the partner network stay the same, only the name changes, as Applied renames carrier products for what they do rather than their original brand.

Nothing changes for your existing partners. The connections they use today keep working under the new name.

They share the same submission and appetite data. Market Appetite is where you define and manage eligibility, and Commercial Distribution is where it reaches every connected partner.

Cytora sits ahead of both, digitizing and structuring an incoming risk before it's routed. All three can work together on one submission without re-keying anything.

Commercial Distribution connects to six platforms today: Quotes Commercial Lines in Applied Epic, EZLynx Instant Commercial Quoting, Cytora, Tarmika, Mylo, and InsureZone. Together they cover agency management systems, comparative raters, online quoting tools and automated submission intake. New platforms join the network through the connection you already have, so each one reaches you with nothing to rebuild.

No. You build to an API connection once, and it reaches every rater, agency system and quoting platform already on the network.

Commercial Distribution handles schema differences and version changes on its side, so a partner’s update never becomes an integration project for you.

Commercial Distribution bridges to the portal you already have, rather than replacing it. You keep your own front end, and submissions still flow through it exactly as they do now.

What changes is underneath: appetite, question sets, and routing stay in one place and current across every partner channel, not just your portal.

Go deeper on Commercial Distribution

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One connection to every partner

See how Commercial Distribution fits the partner connections you have today, and what it takes to publish your first appetite update.

Explore the platform