Step 1
Ingest the ACORD
Drop a PDF or forward an email. We extract every field (insured, NAICS, locations, lines, loss runs) and normalize them into one record.
For wholesale commercial insurance brokers + MGAs
Your retail agents drop ACORDs in your inbox. Our agent reads each one, matches it to the carriers that actually want the risk, drafts the cover email, attaches the original PDF, and waits for your reviewer. CSRs go from 200 submissions a month to 1,000 without hiring.
50 free triages, no credit card.
Appetite matches (3)
Atlas Specialty E&S
Artisan contractor, FL in-appetite
Keystone Mutual
NAICS 238 + GL + auto in-band
Redwood Underwriters
Property only, skipped
Every retail submission needs the same boring work before it can move: read the ACORD, classify the risk, look up which carriers cover it in this state at this revenue, write a custom cover note for each one, attach the right forms, send.
A 20-person brokerage processes 200 to 600 of these a month. That's 60+ hours of CSR time that could be spent on the calls that close.
30 to 90 minutes per submission
Read the ACORD, normalize the data, look up carrier appetite, write the cover email, attach the right forms.
Carrier appetite changes weekly
Tribal knowledge in a CSR's head doesn't scale to new hires or new programs.
Lost submissions = lost revenue
Inbox triage is lossy. The ones you skip are the ones that would have bound.
Drop an ACORD, get back a reviewable submission package. Three steps, all automated, you stay in the loop on every send.
Step 1
Drop a PDF or forward an email. We extract every field (insured, NAICS, locations, lines, loss runs) and normalize them into one record.
Step 2
We score every carrier in your appetite library against the risk and surface the ones in-band, with rationale and risk flags called out for the underwriter.
Step 3
A custom cover email is drafted for each viable carrier, leading with the facts that matter to their appetite. You review, click send, and we track the quote-back.
Honest answer: ChatGPT can score one submission against a carrier you paste in. It can't run the workflow. Here's what the difference looks like at 200 submissions a month.
| ChatGPT / Claude.ai | Your AMS alone | AppetiteMatch | |
|---|---|---|---|
| Reads ACORD PDFs | Yes (slow, no validation) | No | Yes, Document AI form parser |
| Carrier appetite DB | You paste it every time | Static, often stale | Per-org, editable, versioned |
| Drafted carrier emails | Yes, but generic | Templates only | Carrier-specific, reads each carrier's appetite |
| Sends + tracks outbound | No | Manual | SES with PDF attached, reply tracked to draft |
| Quote-back pipeline | No | Spreadsheet | Inbox view, bind/decline outcomes |
| Audit log for E&O | No | Sometimes | Every state change, exportable |
| Multi-user org | No | Yes (seat-priced) | Yes, magic-link login |
| Time per submission | 10 to 15 min | 30 to 90 min | 20 seconds + review |
The agentic LLM is the easy part. The structured carrier appetite DB, the org-scoped audit log, the SES outbound with PDF attached, the per-org pipeline view, that's where AppetiteMatch lives.
Same product, different appetites. A few real-world configurations we've seen.
Artisan contractors
Mid-market construction trades with $1 to 25M revenue, mostly W-2 staff, GL + Auto + Umbrella. AppetiteMatch flags the carriers in southern in-appetite states with NAICS 23x prefixes and revenue bands that fit, drafts cover emails that reference each carrier's specific underwriting concerns (driver MVRs, subcontractor exposure, loss frequency on auto).
Habitational property
$5 to 50M TIV property accounts in southern states. Carriers want sprinklered, masonry construction, post-2000 build year, verified loss runs. AppetiteMatch reads the location schedule, identifies the carriers whose habitational appetite fits, and embeds the COPE summary inline in the cover.
Transportation
Power-unit count, MVR violations, driver tenure, and loss runs are everything. Routes for-hire trucking risks to the carriers whose appetite includes the insured's mile radius and commodity type, with the FMCSA + MVR data threaded into the cover.
Specialty / E&S
Manufacturing tail risks, environmental contractors, restaurants with liquor, cyber. Define each carrier's appetite once in the directory, AppetiteMatch never sends an out-of-appetite submission again. Saves 40 to 90 minutes per declined risk that would have round-tripped to the underwriter.
Outcome-based. You pay for triaged submissions, not seats.
Trial
Free
50 triaged submissions / month
Pro
$499 /mo
Unlimited submissions, full team
Whale
$10k+ /mo
Custom carrier integrations