Submit to carriers, wholesalers, and MGAs — all tracked in one place. Generate 58 ACORD forms from client data, log underwriter responses, compare quote types side-by-side, and bind without leaving the platform.
Active Submissions
23
+5
Quotes Received
41
Avg. Response Time
3.2 days
-0.5 days
Bind Rate
34%
+4%
What it is
A multi-market submission workflow lets an insurance agency send a single commercial account to multiple markets — carriers, wholesalers, and MGAs — and track each response independently. Insurstein assigns a MKT case ID to every submission, auto-generates ACORD applications from client data, and logs each market's response with timestamps. When quotes arrive, they are compared side-by-side by quote type (Indication, Preliminary, or Formal) so producers can present options to clients and bind without leaving the platform.
Client data collected through intake forms or entered into the client record auto-populates ACORD applications across all 58 supported forms. No re-keying between systems, no copying from one PDF to another. Select the form type, review the generated PDF, and attach it to the submission in seconds.
Each market on a submission — whether a direct carrier, a wholesaler, or an MGA — has its own status timeline: submitted, quoted, declined, or bound. Market type badges distinguish carrier responses from wholesale and MGA responses at a glance. Quote type (Indication, Preliminary, Formal) is captured on every quote so you know exactly how firm the number is.
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 across 58 supported forms directly from client data — no manual form filling.
All 58 ACORD forms are populated automatically using the client's structured data. Select the form type, review the generated PDF, make final edits, and attach it to the submission. Producers save hours of manual form completion per account, and data accuracy improves because the source is always the client record.
Track submissions to direct carriers, wholesalers, and MGAs separately — each with its own status, timestamps, and market type badge.
Commercial lines placements often flow through wholesalers or MGAs rather than direct carriers. Each market is tagged as Carrier, Wholesaler, or MGA with a visible badge. Status timelines — submitted, quoted, declined, bound — are tracked independently per market so producers always know exactly where each placement stands.
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 application is generated from the client's data 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.