Commercial Submissions by Vertafore

Summary

Commercial quoting remains one of the more repetitive workflows inside an independent agency. A producer or account manager may collect the information once, then enter variations of that same information into several carrier systems just to determine which markets are viable. 

Commercial Submissions is designed to reduce that repetition. Agencies can enter risk information, use existing AMS and third-party data to prefill portions of the application, and access multiple connected commercial markets through a common quoting workflow. 

Why should agencies care? Small commercial business can become difficult to service profitably when the quoting process requires too much manual effort. Reducing the time spent rekeying information can give producers and service teams more time for coverage discussions, client communication, and actual selling. 

What stood out during our review is how Commercial Submissions has developed beyond simply generating multiple quotes. Carrier appetite, E&S access, quote reservation, remarketing workflows, risk classification, and binding capabilities make the platform more relevant to the actual commercial placement process. 

Key Features:

• Real-time commercial comparative quoting 
• Connectivity with 25+ carrier markets 
• AMS360 and Sagitta integration 
• Existing policy and third-party data prefill 
• Dynamic and interview-style application questions 
• Carrier appetite and risk classification guidance 
• E&S quoting and binding capabilities 
• Quote comparison, reservation, and binding workflows 

Best fit for:

• Agencies writing meaningful volumes of small commercial business 
• Producers or service teams spending significant time rekeying information into carrier portals 
• AMS360 or Sagitta agencies looking for a more connected commercial quoting workflow 
• Agencies that regularly remarket eligible commercial accounts at renewal
• Agencies whose preferred commercial carriers and lines are represented within the platform

May not be ideal for:

• Agencies whose primary commercial markets are not currently connected 
• Agencies focused primarily on complex, highly specialized, or individually underwritten commercial risks 
• Agencies with very low small-commercial quoting volume 
• Agencies using an AMS where the available integration does not provide enough workflow benefit 

Deeper Dive

The Problem Being Solved: Commercial insurance quoting has traditionally required a significant amount of repetitive work. Agencies collect information from the client, determine potential markets, visit carrier systems, re-enter risk information, and then compare the results. 

That process is especially challenging with small commercial accounts. The premium opportunity may not justify hours of manual quoting work. 

Commercial Submissions attacks that problem by creating a common starting point for eligible risks. Information can be entered once, supplemented with AMS and third-party data, and used across connected markets. 

The goal is straightforward: spend less time moving data and more time determining the right placement for the client. 

Why It Matters to Agencies: Efficiency in small commercial can directly affect whether the business is attractive to pursue. 

If an agency can obtain and compare multiple indications more quickly, producers can respond faster to prospects and account teams can approach remarketing without creating as much additional work. 

We also see value in the connection to existing policy information. Commercial Submissions isn't limited to new-business quoting. Bringing current information into the renewal process can make remarketing more practical when an account needs additional market options. 

For agencies already using AMS360 or Sagitta, the management system integration is particularly relevant because it reduces another point of duplicate entry. 

What Stood Out to Us: What stood out during our review is that Commercial Submissions is becoming more connected to the decisions surrounding the quote, not just the rating transaction itself. 

Appetite information can help an agency identify markets worth pursuing before spending unnecessary time. Risk classification resources can improve how the account is presented. E&S capabilities provide another path when standard markets aren't the right fit. And eligible business can move from quoting toward binding within the same overall workflow. 

We also like the focus on both new business and remarketing. For many agencies, renewal remarketing can consume just as much staff capacity as prospect quoting. Using existing policy data as the starting point makes the platform potentially useful on both sides of the commercial lifecycle. 

Final Thoughts

We came away impressed by the practical problem Commercial Submissions is trying to solve. Commercial quoting doesn't necessarily need more technology steps; it needs fewer instances of people entering the same information into different places. 

The combination of real-time carrier connectivity, AMS and third-party prefill, appetite guidance, remarketing support, E&S access, and binding capabilities gives Commercial Submissions a broader role than a basic comparative rater. 

For an agency principal, the decision comes down to market alignment and volume. If your team writes enough small commercial business, spends meaningful time moving between carrier portals, and the carriers and lines you rely on are well represented, Commercial Submissions is worth further evaluation. The potential value becomes much clearer when you compare the time your team spends quoting and remarketing today against the portion of that workflow the platform can consolidate. 

* Unbiased review based upon information and insights available at the time of publication.