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.
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.
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.
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.
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.
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.
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.