Straight answers
How do you automate insurance submission triage?
Submission triage means two different jobs, so the right tool depends on who you are. For a carrier, MGA, or wholesaler, triage is ranking incoming risks by appetite and completeness, and platforms like Convr, Cytora (acquired by Applied Systems in 2025), and Indico Data ingest the submission, structure it, and route it to an underwriter. For an independent retail agency, triage is the shared inbox where new business, renewals, certificate requests, and service all land in one pile, and the job is sorting what is urgent from what can wait and getting each item to the right person. That inbox job is what Relay's Ask Relay does today: it reads incoming mail, flags what is urgent and what is owed, and drafts replies for a person to review before anything sends.
| Approach | What it triages | Built for |
|---|---|---|
| Underwriting intake platforms (Convr, Cytora, Indico Data) | Commercial submissions: ACORDs, statements of values, loss runs, broker emails, structured and routed for underwriting | Carrier, MGA, and wholesale underwriting desks, not retail agencies |
| Inbox rules and folders | Any email, sorted by rules you build and maintain | Any team, but rules do not read attachments or know insurance context |
| Agency inbox AI (Relay Ask Relay, live) | The shared inbox: reads new mail, flags what is urgent, drafts replies, finds any document | Independent P&C agencies working new business and service in Outlook (Gmail in private preview) |
The longer version
Most software sold as submission triage is aimed at the underwriting side, where the reader is the carrier deciding whether to quote. If you are a retail agency, you are on the other side of that submission. Your triage problem is the inbox: a client emails a dec page, a carrier sends a renewal, a producer forwards a certificate request, all into the same place. Rules and folders help, but they do not read the attachment or know that a renewal 20 days out matters more than a marketing blast.
The thing that actually moves the needle for an agency is pointing the triage at the inbox you already use. Ask Relay reads incoming mail, tells you what is urgent and what is owed, and drafts the common replies for review. Document Parsing reads the attachments, so the triage decision gets made on the actual dec page or ACORD, not just the subject line. Both are live. AI Quoting, which runs configured carrier portal workflows, is a Research Preview.
Whatever you evaluate, ask where the human stays. Good triage speeds the sort and the routing; it should never auto-send a reply to a client or bind anything. Relay drafts and flags, and a licensed person reviews and sends. That line is the difference between an assistant and a liability.
Common questions
Is submission triage the same for a carrier and an agency?
No. A carrier or MGA triages incoming risks to decide what to quote, using platforms like Convr, Cytora, and Indico Data. A retail agency triages a shared inbox to decide what is urgent and who owns it. The tools are built for different sides of the same submission.
What can Relay triage in the inbox today?
Ask Relay is live. It reads incoming email, flags what is urgent and what is owed, finds any message or document, and drafts replies. A person reviews before anything sends. Outlook is connected today, and Gmail is in private preview.
Related questions
Part of the Relay straight answers library. Updated 2026-07-11. See how we source content.
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