One ACORD in.
Every carrier quoted by lunch.
Bindflow reads an ACORD 125/126, pulls missing risk data, matches the account to each carrier’s live appetite, and sends polished submissions to the markets most likely to quote it — in 90 seconds, not 90 minutes.
Your best CSR spends 4 hours per account retyping the same risk into 6 portals.
Every commercial submission is a copy-paste marathon. Producers chase missing info. CSRs re-key the ACORD. Markets get the submission three days late, incomplete, or not at all. Most agencies leave 30%+ of new business on the table just from slow, sloppy submissions.
- 9:10Producer forwards ACORD 125 PDF
- 10:45CSR re-keys 140 fields into Applied Epic
- 11:30CSR emails 6 carriers, attaches PDFs, drafts cover note
- 1:15Carrier 1 replies: missing loss runs
- 3:40Carrier 3 replies: outside appetite
- FriStill chasing 2 markets. Account shops with competitor.
From producer’s inbox to bound business. End to end.
Upload the ACORD 125/126 PDF or forward the producer’s email. Bindflow extracts all 140+ fields and validates completeness in seconds.
We maintain a live appetite graph across 60+ standard and E&S carriers — class codes, premium bands, geographies, loss thresholds. Bindflow ranks the markets most likely to quote your risk.
Carrier-ready emails and portal entries pre-filled. CSR reviews, clicks send. Bindflow tracks responses and follows up automatically.
A 15-producer agency recovers $412,000/year. One mid-size bound account pays for Bindflow for a year.
We read carrier appetite so your producers don’t have to guess.
Chubb doesn’t want your 6-unit habitational in Stockton. Travelers does — if the roof is under 15 years. Bindflow tracks every published appetite guide, wholesale bulletin, and underwriter note, then scores your risk against every market in your book.
- ✓ 60+ standard market appetites, refreshed weekly
- ✓ Plug in your wholesale broker bulletins
- ✓ NAICS & SIC code mapping with real examples
- ✓ Declinations feed back into the graph automatically
Other tools solve one step. Bindflow handles the whole submission.
The broker tech stack is fragmented. Most tools automate one piece — quoting, or forms, or paper-to-digital. Mid-market commercial submissions need all of it. That’s the gap we fill.
Producers quoting BOP and small accounts fast. Rating-first.
Gap: Stops at the quote. Your CSR still hand-keys the ACORD, picks the markets, and drafts the emails.
Replacing paper renewals with digital forms the client fills out.
Gap: Helps the client give you data. Doesn't tell you which markets will quote or draft your submission.
Full submission ops: extract the ACORD, match to live appetite across 60+ markets, draft every carrier email — in 90 seconds.
Priced against the CSR hours it replaces. One mid-size bound account covers a full year.
For individual producers and small teams (1-4 users).
- ✓ Up to 40 submissions/mo
- ✓ 25 carrier integrations
- ✓ Email + portal submissions
- ✓ Standard support
For commercial agencies (5-25 users). Unlimited submissions across the team.
- ✓ Unlimited submissions
- ✓ Unlimited users (up to 25)
- ✓ All 60+ carriers
- ✓ AMS write-back (Epic, AMS360, HawkSoft)
- ✓ Custom appetite overrides
- ✓ Dedicated onboarding + Slack channel
For clusters, MGAs, roll-ups, and agencies with 25+ users.
- ✓ SSO + role-based access
- ✓ Private carrier integrations
- ✓ SLA + named CSM
- ✓ Cluster / commission-share pricing available
Answers to what principals actually ask us.
No. We sit on top of Applied Epic, AMS360, HawkSoft, Nexsure, and EZLynx — reading ACORDs in, writing activity notes and documents back out. You keep your system of record.
No. Customer data is isolated per tenant. We do not train foundation models on your submissions, policies, or loss runs. SOC 2 Type I in progress; Type II by Q4.
60+ standard & E&S markets including Travelers, Hartford, Chubb, Liberty, CNA, Zurich, Nationwide, AmTrust, Hiscox, RT Specialty, Burns & Wilcox wholesale, and more. Full list on request.
7 days. We import your historical submissions, ingest your AMS, configure your wholesale relationships, and train the appetite model on your book in the first week.
Bindflow still drafts the submission email with every attachment a producer normally forgets. The CSR clicks send. New carrier integrations ship weekly.
10 lighthouse agencies. Concierge onboarding. Guaranteed ROI or refund.
First cohort closes May 15. We instrument your time-per-submission and quote-to-bind at the start, and show you the delta at day 90.