Submission to Quote
Start from a quote
Score every submission for appetite and winnability the moment it lands and draft a strategy-aligned quote in minutes. Good business doesn't wait and neither should you.
Make AI-native underwriting your competitive edge
Prioritize the right risks, steer the book in real time, and stop letting friction slow your underwriters down.
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Prioritize and win the right risks
Every submission is evaluated against your live portfolio strategy so your team focuses on the risks worth winning and never drifts from the plan.
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AI that works across the full lifecycle
Submissions, underwriting, and billing are all connected in one platform, so the AI learns from every decision and applies those insights to the next one.
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Grow revenue without growing your team
Federato handles the intake, quoting, and decisioning so your team can process more, respond faster, and scale output without scaling cost.
“Our vision of the future is underwriters grounded in underwriting excellence, amplified by seamlessly integrated tools that drive efficiency and superior risk outcomes at every step. Our partnership with Federato is vital to this commitment.”
Elizabeth Johnson
COO
COO
Feature highlights
Dynamic guardrails that keep your portfolio on track
Dynamic rules tied to real-time performance and exposure signals mean appetite guidance adjusts automatically as targets are met. Every quote stays aligned to strategy automatically and leadership isn't choosing between micromanaging or flying blind.
Triage and intake straight from the inbox
As soon as a submission hits the inbox, Federato captures key details, scores it for appetite fit and winnability, and moves good-fit deals directly into the underwriting workflow, so that the best opportunities get attention immediately.
100%
reduction in submission BPO costs with Federato.
Quotes that write themselves
Federato produces a first-draft quote for the best-fit deals based on submission data, appetite requirements, and portfolio context. Review, quote, and bind great submissions within minutes of arrival.
Rating that powers growth
AI handles the data extraction so your underwriters skip the digging. Every quote reflects current portfolio performance and rate adequacy goals, so you get accurate, strategy-aligned from the start.
5.5x
Increase in high-appetite bound policies
Data provenance for AI
Every data point in your workflow is traceable from submission through bind. Get full visibility into how decisions were made, and the confidence to trust what you see.
Federato redefines high performance
Related resources
Turn insight into action
Smarter, faster growth starts here
See how Federato helps insurers prioritize, quote, and steer the business in one unified workflow.
Frequently asked questions
01
What is Submission to Bind?
Submission to Bind is Federato’s AI-native underwriting workflow that evaluates every inbound submission for appetite fit and winnability, then drafts a strategy-aligned quote for underwriter review. No black box mysteries: Every decision is fully explained.
02
How does Federato prioritize submissions?
Federato scores submissions as they arrive using appetite criteria, portfolio context, and winnability signals. That helps underwriting teams focus first on the deals most worth pursuing.
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What does “winnability” mean in Federato?
Winnability is Federato’s assessment of how likely a submission is to bind based on the signals available in the submission, workflow context, and portfolio strategy.
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How does Submission to Bind improve quote turnaround time?
Federato removes manual intake, reduces re-keying, prioritizes high-value opportunities, and generates a quote draft up front for underwriter review, shortening the time between submission receipt and quote delivery.
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How does Federato help improve underwriting results?
Federato helps teams spend more time on strategy-aligned, winnable deals and less time on poor-fit risks. That can improve hit rate, reduce cost per bind, and strengthen portfolio quality over time.
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How does Federato reduce portfolio drift?
Federato brings live portfolio performance and exposure signals into the underwriting workflow. Leaders can set guardrails and rules that guide decision patterns before strategy drift becomes a problem.
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Can underwriters review and edit AI-generated quotes?
Yes. Federato shows all underlying AI-generated recommendations and drafted quote content so underwriters can review, edit, and approve before anything is sent.
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Who is Submission to Bind built for?
Submission to Bind is built for underwriting teams and underwriting leaders who need to improve speed, selection quality, and strategic control across their business.
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Why does full policy lifecycle context matter at submission?
A risk should not be evaluated in isolation. When underwriters can see how similar risks performed across the policy lifecycle, they can make better decisions before the business binds.