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Cytora

Digital risk processing platform that ingests submissions, extracts data, and routes risks across the commercial insurance workflow.

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What is Cytora?

Cytora handles submission ingestion for commercial insurers. Carriers and MGAs receive hundreds of broker submissions daily in different formats: email attachments, portal uploads, API feeds. Cytora connects to these channels, extracts structured data from PDFs and ACORD forms, and routes submissions based on underwriting appetite and risk scoring. Used by major carriers including AXA, Markel, and Starr. The system automates manual triage work. Rather than underwriters sifting through unstructured documents, submissions are routed directly to the right desk based on customised rules. Decision rules codify underwriting appetite into automated triage. An audit trail captures all routing decisions for compliance review. Cytora integrates with existing policy admin systems via APIs and handles multilingual extraction in English, German, French, and Spanish. The platform meets SOC 2 Type II, ISO 27001, and GDPR standards. Customers report 4-6 times higher submission throughput per underwriter. Commercial P&C, specialty, and London Market lines are supported.

Key features

Submission ingestion from email, broker portals, and APIs

AI extraction from PDFs, ACORD forms, and schedules of values

Appetite-based risk routing and automated triage

Compliance-ready audit trail for all routing decisions

Multilingual document processing in English, German, French, and Spanish

API integration with policy admin systems

Decision-rule engine for customising underwriting appetite automation

Pros & cons

Advantages

  • Significantly reduces manual submission processing and underwriter time on triage
  • Handles multiple submission formats and channels automatically
  • Proven adoption by major carriers like AXA, Markel, and Starr
  • Built-in compliance features; SOC 2 Type II, ISO 27001, and GDPR certified
  • Supports multiple languages for international underwriting operations
  • Integrates with existing policy systems without replacement
  • Improves submission throughput per underwriter

Limitations

  • Primarily designed for large carriers and MGAs; likely high cost for smaller operations
  • Requires integration and customisation with existing systems and workflows
  • Effectiveness depends on document quality and data consistency in submissions
  • Configuration of routing rules requires insurance domain expertise
  • Limited public information on specific pricing, technical specifications, and implementation timeline

Use cases

Commercial P&C carriers automating broker submission triage and underwriter routing

Specialty insurers processing high-volume, multi-format submissions efficiently

London Market syndicates managing slip submission workflows at scale

MGAs reducing manual data entry and submission triage time

Global carriers processing submissions in multiple languages

Insurers implementing risk appetite rules and automated decision-making

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Pricing

Enterprise

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Full submission ingestion across email, portals, and APIs; AI extraction; risk routing; decision rules; compliance features; API integration; audit trails

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