Even with modern policy administration systems and document upload tools, the bulk of submission processing still relies on humans manually extracting data from PDFs, scans, broker emails, spreadsheets, loss runs, and supplemental applications. Traditional automation tools fall short because they depend on templates, fixed form fields, or heavy pre‑configuration—none of which match the real-world variability of insurance documents.
Key Takeaways
- Insurance submissions are critical but slow due to document variability and manual data entry.
- Modern AI can understand context across PDFs, scans, spreadsheets, emails, and loss runs, extracting consistent, structured data.
- Docugami’s Document AI is purpose-built for complex business documents and learns from your own corpus to reflect real workflows and terminology.
- Carriers, brokers, and MGAs can improve speed and accuracy without major IT projects
- A 2-3 week guided Pilot uses your real submissions to validate results and feed structured data into underwriting and analytics tools.
Facts and Definitions
- MGA (Managing General Agent): Delegated underwriter operating on behalf of a carrier.
- Submission quality: Completeness, accuracy, consistency, and timeliness of exposure data, property details, loss history, schedules, endorsements, and coverage requirements.
- Traditional tools: Template/fixed-field systems requiring pre-configuration that break under document variability.
- Docugami Document AI: Patented, purpose-built engine that learns from an organization’s own documents to produce structured, high-precision data for underwriting/rating/analytics/automation.
- Pilot: A 2–3 week guided engagement where sample submissions are uploaded, required outputs are defined, and results are validated in the client’s tools.
Insurance submissions are the gateway to underwriting decisions, pricing accuracy, and the overall health of commercial insurance operations. Yet despite their importance, submissions remain one of the slowest and most manual stages of the insurance lifecycle. Document variability, inconsistent formats, missing information, and heavy manual data entry stall progress and create friction for both brokers and carriers.
How Submission Quality Drives Underwriting Outcomes
A high‑quality submission gives underwriters a complete, accurate, and timely view of risk. Exposure data, property details, loss history, schedules, endorsements, and coverage requirements must be clear and consistent across all documents. When they are, underwriting teams can quote faster, price more accurately, and move business through the pipeline efficiently. Poor submission quality, by contrast, leads to delays, repeated outreach, mispriced policies, and missed opportunities.
Limits of Traditional Insurance Submission Tools
Even with modern policy administration systems and document upload tools, the bulk of submission processing still relies on humans manually extracting data from PDFs, scans, broker emails, spreadsheets, loss runs, and supplemental applications. Traditional automation tools fall short because they depend on templates, fixed form fields, or heavy pre‑configuration—none of which match the real-world variability of insurance documents.How AI Is Reshaping Submission Processing
Modern AI changes the equation. Instead of looking for static fields, AI understands document context, recognizing insurance‑specific terminology and extracting meaning across diverse formats. It can identify essential data from spreadsheets, claims and loss details from multi‑year loss runs, coverage needs from applications, and risk signals from narrative emails—all without manual sorting or reformatting.
A Purpose‑Built Solution to Insurance Submissions: Docugami’s Document AI
Docugami takes this transformation further with a patented Document AI engine built specifically for complex business documents. Unlike general-purpose AI tools trained on internet text, Docugami learns directly from your organization's own documents, capturing the unique patterns, terminology, structures, and workflows that drive your operations.
Docugami can process real-world insurance submissions end-to-end, handling everything from carrier‑specific supplements to broker‑generated schedules to loss runs in dozens of formats. It produces structured, consistent, high‑precision data that plugs directly into underwriting systems, rating tools, analytics workflows, and downstream automation.
Immediate Impact Without IT Overhead
Docugami is designed for frontline business users—no technical resources, development projects, or large‑scale IT time is required. Carriers, MGAs, and brokers can begin transforming their submissions workflow in days, not months, simply by uploading documents and selecting the outputs they need.
Run a Fast, Risk‑Free Pilot
The fastest way to experience the impact of AI on your submissions workflow is through a short 2-3 week guided Pilot. Your team uploads sample submissions, defines required outputs, and sees structured data flowing directly to your platforms or tools. Docugami handles setup while your team validates real results, using your real documents.
Frequently Asked Questions (FAQ)
What problems does AI solve in insurance submissions?
AI removes manual data entry by understanding context across unstructured documents, extracting complete, consistent data for underwriting, pricing, and analytics.
How is Docugami different from templates or fixed-field OCR?
It is purpose-built for complex business documents and learns from your organization’s own corpus, handling real-world variability without heavy pre-configuration.
What document types can Docugami process?
Carrier supplements, broker-generated schedules, multi-year loss runs, spreadsheets, PDFs/scans, emails, and supplemental applications in diverse formats.
What is the setup effort for business teams?
Users upload documents and select outputs; no large IT projects or development work are required.
What happens during the 2–3 week Pilot?
Your team uploads sample submissions, defines required outputs, and validates structured data flowing into your platforms or tools with guided setup.
How do results reach underwriting systems and analytics tools?
Docugami outputs structured, consistent data designed to plug into underwriting, rating, analytics, and downstream automation.
How is AI transforming the insurance underwriting process?
AI is transforming insurance underwriting by turning messy, variable submissions into structured, high-precision data that plugs directly into underwriting, rating, analytics, and downstream automation. Instead of relying on templates or heavy pre-configuration, modern AI understands insurance context across PDFs, scans, spreadsheets, broker emails, loss runs, and supplemental applications. This improves submission quality (completeness, consistency, timeliness), reduces manual data entry and back-and-forth, speeds quoting, and supports more accurate pricing.
Do you have a case study for AI in insurance?
See Docugami’s loss-run automation case study showing faster, more accurate extraction and analysis of loss-run data for a commercial insurer: Transforming Insurance Loss Run Risk Assessment