Solutions
Submissions, COIs, loss runs, endorsements, and premium audits — managed in a single platform built for the complexity commercial insurance demands.
Commercial insurance brokerage operates at a level of complexity that personal lines systems simply cannot handle. A single commercial account might involve a package policy, an umbrella, a workers' compensation program, a commercial auto fleet, and a cyber liability policy, each with different carriers, different renewal dates, different audit requirements, and dozens of certificate holders who need updated COIs every time a policy renews. Layer on surplus lines placements that require state-specific compliance filings, and the operational burden becomes overwhelming.
Most agency management systems were designed for personal lines and treat commercial as a bolt-on module. The result is a system where your team spends more time fighting the software than using it. Submission tracking happens in email. COI management lives in a spreadsheet. Loss runs get saved to a shared folder with filenames nobody can decipher. Endorsement requests are tracked by sticky notes on monitors. Every disconnected workflow creates risk: missed certificates, lost submissions, coverage gaps discovered during claims.
PrizMova's commercial insurance broker software was designed from the foundation for commercial lines complexity. Every workflow, from submission through binding, endorsement, audit, and renewal, is purpose-built, integrated, and automated.
Stop blindly submitting to every carrier in your book. ARIA analyzes the risk profile (industry classification, revenue, geographic footprint, claims history, and coverage requirements) and ranks carriers by appetite match. You target the three to five carriers most likely to quote competitively instead of wasting time on markets that will decline or return uncompetitive quotes. Enter risk details once, attach documents once, and distribute to selected markets. Submission status tracks through every stage with timestamps so you always know where each market stands.
A single commercial client can have 50 to 200 certificate holders, and every one of them needs an updated certificate when the underlying policy renews. In a traditional workflow, this means days of manual reissuance. PrizMova identifies every certificate holder tied to a renewing policy and bulk-generates updated certificates with the new policy number, effective dates, and coverage limits. Holders are notified automatically with the updated PDF attached. No manual reissuance. No missed holders. No contractors calling because their sub's certificate expired last week.
Loss runs arrive in every format: multi-page carrier PDFs, scanned documents, CSV exports, and occasionally handwritten summaries. ARIA's document extraction engine reads loss runs in any format and extracts claim dates, amounts, descriptions, paid and reserved figures, and status into structured data. What took 30 minutes of manual data entry per loss run now takes seconds. Structured loss data flows directly into submission packages, renewal marketing materials, and client review presentations without rekeying.
Mid-term endorsements on commercial policies are where service quality either shines or collapses. Adding vehicles to a fleet, increasing building limits, adding additional insureds, updating scheduled locations: each requires carrier communication, premium adjustment tracking, and client notification. When these requests are tracked in email threads, details get lost, and the question "Did we ever add that additional insured?" becomes unanswerable without 20 minutes of inbox archaeology.
PrizMova's endorsement workflow creates a structured request tied to the policy record. The request is submitted to the carrier through the platform, and the carrier's response, including premium change, is captured and linked to the endorsement. The policy record updates automatically upon confirmation. A full audit trail shows who requested the endorsement, when it was submitted, what changed, and the premium impact. Your team answers endorsement questions in seconds, not minutes.
Commercial policies with auditable exposures (workers' compensation, general liability, commercial auto) face annual premium audits that can result in significant additional premium charges. Agencies that do not track audits proactively discover the result only when a client calls upset about an unexpected bill. PrizMova flags policies subject to audit, tracks audit status from pending through completion, records the audit result, and links the financial impact to the client's account. Automated reminders alert account managers when an audit is approaching, giving you time to gather payroll or sales figures and help the client manage the process.
Commercial brokers placing surplus lines face a regulatory maze that changes across 50 states. Diligent search documentation, surplus lines tax calculations, state filing deadlines, and broker licensing requirements vary by jurisdiction and can result in fines or license actions when handled incorrectly. PrizMova's Compliance Engine automates the entire surplus lines compliance workflow. When a policy is flagged as a surplus lines placement, the system identifies the applicable state requirements, generates diligent search documentation, calculates taxes and fees, and creates filing tasks with regulatory deadlines. Your team stops tracking compliance in spreadsheets and starts trusting a system that handles it automatically.
Commercial lines brokers handling significant submission volume and complex compliance requirements should consider the Growth plan at $1,299 per month or the Enterprise plan at $2,999 per month. The Growth plan includes up to 25 users, ARIA AI, the commission engine, compliance automation, e-signatures, churn prediction, comparative rating, and AI email drafting. The Enterprise plan adds unlimited users, ARIA Overnight autonomous operations, the Commercial Lines Hub with full submission management, multi-agent AI, SAML SSO, GraphQL API access, and a dedicated customer success manager.
For brokerages that depend on commercial lines workflows (submission management, COI automation, and surplus lines compliance), the Enterprise plan delivers the most complete feature set. Every plan includes a 14-day free trial with full access to all features. No credit card required.
Built for Commercial Complexity
Purpose-built workflows for submissions, COIs, endorsements, loss runs, and premium audits — all tracked in one system with full audit trails.
50-state surplus lines compliance, diligent search automation, tax calculations, and regulatory filing deadline management — all automated.
Carrier appetite ranking, loss run extraction, endorsement email drafting, and client risk scoring — powered by AI with full audit trails and PII scrubbing.