Travelers Joined Submissionless Renewal Workflow
Insurance agencies can now receive renewal quotes within Applied Epic as Travelers becomes the platform's first anchor partner.
Updated on Sept. 29, 2026 in Remote Work
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Applied Systems announced at the Applied Net 2026 conference that Travelers has become the first carrier partner for its submissionless commercial renewal experience. This new workflow, powered by Cytora, aims to streamline operations by delivering quotes directly into the agency management system.
Why it matters
By integrating carrier data directly into Applied Epic, agencies can automate renewal processes before remarketing begins. This shift reduces manual data entry and accelerates the quote lifecycle for commercial insurance providers.
Travelers generated $49 billion in revenue in 2025, while award recipients like Inszone Insurance Services have completed over 40 acquisitions since 2002. Additionally, Integra Insurance Services operates across 159 locations, leveraging tools like EZLynx for two decades.
The players
Applied Systems
A provider of cloud-based insurance management software that facilitates agency operations and carrier connectivity.
Travelers
A global commercial and personal lines insurance company that reported $49 billion in revenue for 2025.
Inszone Insurance Services
A growth-oriented insurance brokerage that has completed over 40 acquisitions since 2002.
Integra Insurance Services
An insurance agency with a footprint spanning 159 locations that has utilized EZLynx technology for two decades.
The McClone Agency
A long-standing insurance agency founded in 1949.
The details
The submissionless renewal capability, announced in July 2026, allows insurers to push renewal quotes into the Applied Epic interface automatically. This removes the need for agencies to manually request or import data during the renewal window. For brokerages like Inszone, which uses Applied Epic to unify onboarding following its 40 acquisitions, such integrations are critical for maintaining operational scale.
Timeline
1949: The McClone Agency was founded.
2002: Inszone Insurance Services was founded.
July 2026: The submissionless commercial renewal capability was announced.
September 29, 2026: Applied Systems presented the Pinnacle Awards in Washington, D.C.
Market Landscape
The move continues a trend of deeper carrier-broker integration within the Applied Epic ecosystem to eliminate legacy manual submission processes. This shift mirrors broader efforts across the insurance industry to digitize the renewal path through platforms like Cytora.
Agencies should evaluate how much time their teams currently spend on manual renewal submissions to determine if a transition to integrated workflows will yield sufficient productivity gains. Owners should also check if their current carrier partners are planning to support similar submissionless API integrations.
The takeaway
The automation of commercial renewals represents a significant shift in how carriers and brokers coordinate on data flow. Operators should review their current tech stack to identify high-volume carriers that could be prioritized for similar direct-integration partnerships.
Further reading
For more on industry software trends, see the Remote Work section.
Source note: This article includes information reported by Insurance Business.
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