Otera + Appulate
Appulate streamlines insurance submissions and quoting, and Otera autonomously handles the underwriting decisions that move applications to completion.
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Table of Contents
Overview
Appulate provides a marketplace connecting insurance agents with carriers for commercial lines submissions and quoting. The platform routes applications and facilitates quoting, but underwriting decisions and exception handling require carrier intervention. Otera's AI agents extend Appulate by autonomously evaluating submissions and completing underwriting workflows.
How It Works
Otera works alongside Appulate, adding autonomous decision-making to insurance distribution.
- Receive submission data: Agents pull application details, risk information, and quote requests from Appulate, establishing context for autonomous underwriting.
- Evaluate risk criteria: Otera deterministically executes underwriting guidelines, rating rules, and appetite criteria to submissions automatically.
- Complete quote delivery: AI decision agents collaborate in connection to reference databases to generate quotes, determine terms, and return pricing without manual underwriting review for qualified risks.
- Route complex submissions: When applications require specialized underwriting or fall outside appetite, Otera routes them with risk analysis and recommendations for efficient decisioning.
Are you a Appulate implementer?
Help your clients accelerate operational efficiency with autonomous operations.
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