Create submissions from client data, generate ACORD applications, track underwriter responses across carriers, and compare quotes side-by-side. Bind, decline, or re-market — all from one view.
Active Submissions
23
+5
Quotes Received
41
Avg. Response Time
3.2 days
-0.5 days
Bind Rate
34%
+4%
What it is
Marketing a commercial account means sending the same risk to multiple carriers and tracking who responded, what they quoted, what they declined, and why. Most agencies manage this in spreadsheets or sticky notes, and critical details fall through the cracks. Insurstein gives you a structured submission workflow — create a submission from client data, generate ACORD applications automatically, send to multiple markets, track each carrier's response with timestamps, compare quotes side-by-side, and bind or re-market from one view. Every interaction is logged, so your team always knows the status.
Client data collected through intake forms or entered directly into the record is used to auto-populate ACORD applications. No re-keying information across systems, no copying from one PDF to another. The application is generated from the data you already have.
Each carrier on a submission has its own status — submitted, quoted, declined, or bound. Timestamps record when the submission was sent and when the response arrived. When quotes come back, you compare them on the same screen without switching between emails and spreadsheets.
Core capabilities
Build submissions using the structured data already in the client record — no re-entry required.
When a producer creates a new submission, the system pulls the client's business information, locations, payroll data, loss history, and coverage requirements from the client record. The producer reviews, adjusts as needed, and the submission is ready to send to market.
Generate completed ACORD applications directly from client data with no manual form filling.
ACORD 125 (Commercial Insurance), ACORD 126 (Commercial General Liability), and other standard forms are populated automatically using the client's data. Producers review the generated PDF, make any final edits, and attach it to the submission — saving hours of manual form completion per account.
Track the status of each carrier separately — submitted, quoted, declined, or bound — with timestamps on every update.
Each submission can be sent to multiple carriers, and each carrier has its own status timeline. The producer can see at a glance which markets have responded, which are still pending, and how long each has taken. No more digging through emails to figure out where things stand.
Compare quotes from multiple carriers on the same screen to present the best options to your client.
When quotes arrive, key data points — premium, deductibles, coverage limits, and notable exclusions — are displayed side-by-side. Producers can quickly identify the most competitive options and build a clear comparison for the client presentation.
Take action on quotes directly from the submission view — bind the winning quote, decline others, or re-market if needed.
Once the client selects a carrier, the producer marks that quote as bound, and the remaining carriers are declined with a single action. If no quotes are competitive, the producer can re-market the submission to additional carriers without starting from scratch.
Every underwriter interaction — questions, additional information requests, quote revisions — is logged to the submission timeline.
When an underwriter asks for additional information, requests a loss run, or revises a quote, the producer logs the interaction on the submission. The full history of every carrier conversation is preserved, so any team member can pick up where someone left off.
What they don't do
Tracking which carriers received which submissions in a spreadsheet is brittle and always out of date. A structured tracker with per-carrier status replaces the spreadsheet entirely.
Filling out ACORD applications by hand — or copying data from one system into a fillable PDF — wastes hours per account. Auto-generation from client data eliminates the tedium.
When underwriter responses arrive as email attachments, finding the right quote for the right submission means searching through hundreds of messages. Every response is logged to the submission record.
When submission history lives in producer memories and email sent folders, critical market details are lost when someone is out sick or leaves the agency. Per-carrier tracking keeps everything visible.
When every market declines and you need to re-market, starting from scratch wastes time. Re-marketing from the existing submission preserves all the client data and carrier history.
Without a structured comparison view, producers present quotes in different formats. Side-by-side comparison standardizes how options are evaluated and presented to clients.
What it takes off your plate
Submission details are pre-filled from the client record, so producers don't re-enter business information, locations, or coverage requirements.
Standard ACORD application forms are generated as PDFs from client data, ready for producer review and submission to carriers.
Each carrier's response status — submitted, quoted, declined, bound — is tracked independently with timestamps on every update.
Key quote details are captured and displayed in a comparison format so producers can evaluate options without switching between documents.
Every action — submission sent, quote received, question asked, additional info provided — is logged to a chronological timeline on the submission record.
When a quote is selected, the system marks it as bound and can decline remaining carriers in a single action, keeping the submission record clean.
A day in the life
8:15 AM
A producer opens a contractor's client record, creates a new GL submission, and reviews the auto-populated data from the intake form. The ACORD 125 and 126 are generated in seconds.
8:45 AM
The producer selects four carriers from their market list, attaches the generated ACORD applications and the client's loss runs, and sends the submission. Each carrier is tracked independently.
11:00 AM
A carrier responds with a quote. The producer logs the premium, deductible, and key coverage terms on the submission. The status for that carrier changes from 'Submitted' to 'Quoted.'
2:30 PM
A second carrier returns a quote with a lower premium but a higher deductible. The producer opens the comparison view and evaluates both options before the third and fourth responses arrive.
4:00 PM
With three quotes in hand, the producer builds a client-ready comparison showing premiums, deductibles, and coverage differences. The client meeting is scheduled for tomorrow morning.
Daily impact
Submissions Created
Markets Contacted
Quotes Received
Accounts Bound
Create submissions, auto-generate ACORD apps, track carrier responses, and compare quotes — all from one organized view.