For wholesale commercial insurance brokers + MGAs

Triage every submission in seconds.Send carrier-ready packages without the copy-paste.

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.

appetitematch.com/app · Sunrise HVAC, Tampa FL

Appetite matches (3)

  • Atlas Specialty E&S

    Artisan contractor, FL in-appetite

    0.844d
  • Keystone Mutual

    NAICS 238 + GL + auto in-band

    0.717d
  • Redwood Underwriters

    Property only, skipped

    0.32-
Sent · AtlasReplied · Keystone $42kBOUND $42,000

The wholesale broker's bottleneck isn't selling.It's submission triage.

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.

How it works

Drop an ACORD, get back a reviewable submission package. Three steps, all automated, you stay in the loop on every send.

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.

Step 2

Match carrier appetite

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

Draft + send the package

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.

Why not just use ChatGPT?

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.aiYour AMS aloneAppetiteMatch
Reads ACORD PDFsYes (slow, no validation)NoYes, Document AI form parser
Carrier appetite DBYou paste it every timeStatic, often stalePer-org, editable, versioned
Drafted carrier emailsYes, but genericTemplates onlyCarrier-specific, reads each carrier's appetite
Sends + tracks outboundNoManualSES with PDF attached, reply tracked to draft
Quote-back pipelineNoSpreadsheetInbox view, bind/decline outcomes
Audit log for E&ONoSometimesEvery state change, exportable
Multi-user orgNoYes (seat-priced)Yes, magic-link login
Time per submission10 to 15 min30 to 90 min20 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.

Built for the workflows brokers actually run.

Same product, different appetites. A few real-world configurations we've seen.

Artisan contractors

Roofer in Texas, plumber in Florida, HVAC in Georgia

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).

  • · Auto-flags carriers that exclude the insured's state
  • · Routes umbrella separately when the GL carrier doesn't write umbrella
  • · Surfaces 75%-of-premium decline triggers on auto loss runs

Habitational property

Apartment buildings, condos, mixed-use

$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.

  • · Reads location schedules + construction class out of the ACORD
  • · Skips carriers without habitational lines (no wasted submissions)
  • · Highlights wind/hail exposure for coastal accounts

Transportation

Trucking fleets, freight, last-mile

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.

  • · Power-unit and driver count surfaced at the top of the cover
  • · MVR violation summary disclosed proactively for transparency
  • · Auto loss ratio computed and defended in the email body

Specialty / E&S

Anything your retail can't place

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.

  • · Per-org carrier directory, your appetite library, not ours
  • · Deterministic prefilter rejects out-of-appetite before the LLM call
  • · Audit log captures every triage decision for E&O reviews

Pricing

Outcome-based. You pay for triaged submissions, not seats.

Trial

Free

50 triaged submissions / month

  • · Drag-and-drop ACORD upload
  • · Carrier appetite matching
  • · Drafted carrier emails
  • · Run history
Start free trial

Pro

$499 /mo

Unlimited submissions, full team

  • · Everything in Trial
  • · Real outbound email + reply tracking
  • · Slack alerts on quote-backs
  • · Audit log + run history
Start free trial

Whale

$10k+ /mo

Custom carrier integrations

  • · Custom appetite-guide ingestion
  • · AMS write-back (Applied Epic, AMS360)
  • · Dedicated SLA + Slack channel
  • · On-site training for CSR team
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