Insurance submission intake software in 2026
Submission intake software receives a broker submission or an insurance application, reads the documents, and gets the file ready for an underwriter. MGAs and underwriting teams compare four kinds: tools that extract the data, workbenches that route the work, tools that analyze the risk, and an intake agent that gets the file complete.
Klarefi publishes this page. The description of each platform comes from that vendor's own website, checked on 4 October 2026.
The kinds of submission intake software
Intake completenessKlarefi
Checks each submission against your underwriting requirements, asks the broker or applicant for whatever is missing while they are still submitting, and gives the underwriter a case file with a source for every fact.
- Klarefi. An AI intake agent that checks each file against your requirements, asks for whatever is missing, and cites a source for every fact.
Submission ingestion and data extraction
Reads the broker's email, the ACORD forms, the loss runs, and the schedules, and turns them into structured data.
- Indico Data. Automates the ingestion of underwriting, claims, and servicing documents.
- Cytora. A risk digitization platform for commercial insurance, part of Applied Systems.
- SortSpoke. Document AI that turns submissions and loss runs into data, with a human check on every field.
- FurtherAI. AI for insurers, MGAs, and brokers that automates document work across submissions, claims, audits, and policy reviews.
Underwriting workbenches and core platforms
Brings the submission, the underwriting rules, and the decision together in one place, and routes the work to the right underwriter.
- Convr. An AI underwriting workbench for commercial insurance.
- Send Technology. An underwriting platform that connects data, workflows, and decisions for commercial and specialty insurers.
- Federato. An AI-native core platform for carriers and MGAs.
Risk analysis for underwriters
Reads a submission and summarizes the risk, so an underwriter can assess it faster.
Submission triage needs a complete submission
Submission triage decides what happens to each submission: whether the risk fits your appetite, how urgent it is, and which underwriter should see it. It works on the facts in the file. When the loss runs stop a year short or the schedule is missing, the submission waits, or an underwriter stops to chase the broker.
Klarefi works before that step, in front of your policy administration system or workbench. It collects each submission, checks it against your requirements, and asks the broker for whatever is missing while they are still submitting. It does not score or rank the risk. Your underwriter starts from a complete case file and makes the decision.
What to look for in submission intake software
It follows up with the broker
Extracting data shows what is missing. Look for software that also asks the broker for it during the submission, so the answer lands in the same file.
Every fact cites its source
An underwriter should see the page and quote behind each value, so a sum insured or a loss can be checked in one click.
Your requirements, your lines
You set the facts each line of business needs and the checks they must pass. The software should not force one fixed form on your brokers.
It hands off cleanly
The finished case file reaches your policy administration system or workbench through an API or a webhook, with the sources attached.
Data stays where it must
EU data residency by default, and the option to run it in your own cloud when your capacity provider asks for it.
The underwriter decides
The software prepares the case and shows what is still open. The decision on the risk stays with your team.
Questions buyers ask
- What is insurance submission intake software?
- Submission intake software receives a broker submission or an application, reads the documents, and gets the file ready for an underwriter. Products differ in how far they go. Some extract data from ACORD forms and loss runs, some route and prioritize submissions, and some follow up with the broker until the file is complete.
- What is the difference between submission intake and submission triage?
- Submission intake gets the information in and makes it usable. Submission triage decides what happens next: whether the risk fits your appetite, how urgent it is, and which underwriter should see it. Triage works on the facts intake produces, so an incomplete submission is hard to triage.
- Which software follows up with the broker when a submission is incomplete?
- Klarefi does. It checks each submission against your underwriting requirements and asks the broker for missing or unclear items in a chat while they are submitting. The answers and the new documents land in the same case file, with a source for every fact.
- Which tools read ACORD forms and loss runs?
- Document tools such as Indico Data, SortSpoke, and FurtherAI extract data from submission documents. Klarefi reads ACORD forms, loss runs, and schedules as part of the intake, compares the facts across the documents, and asks the broker about gaps and contradictions. Klarefi also has free checks for the ACORD 125, 126, and 140 that run in your browser.
- What should a small MGA look for in submission intake software?
- Start with the step that costs the most time, which is usually chasing brokers for missing items. Look for software that follows up on its own, shows the source of every fact, lets you set requirements per line of business, and hands the finished file to your policy system through an API or a webhook. Test it on one line of business with real submissions before you commit.
See a submission go from upload to review.
Build your agent for free and run a test submission with your own documents.
No credit card required