Cooper vs Cara: More than an AI CSR. Cooper takes the submission to market.
Cooper is the AI coworker for commercial insurance teams. It reads the dec pages and loss runs, fills the ACORDs and carrier supplements, enters the risk in each carrier portal, and writes the finished work back to your AMS.
Book a demoOne submission with Cooper
- 1Reads the dec pages, loss runs and applications
- 2Fills the ACORDs and carrier supplements
- 3Enters the risk in each carrier portal and rater
- 4Normalizes the quotes and drafts the proposal
- 5Writes the finished work back to your AMS
The difference
Where Cooper and Cara differ.
01
All the way to the carrier
Cooper fills the ACORDs and supplements, then logs into each carrier portal and online rater and enters the risk for you. Cara lists forms, COIs, proposals and policy review. Carrier portal submission is not among them.
02
Writes back to Applied Epic
Cooper is an Applied Certified Vendor Integration Partner. It reads the account from Epic and writes the finished work back, so the system of record stays current. Cara’s integration guide lists read access to Epic accounts, contacts and policies.
03
Loss runs and renewals, covered
Cooper reads and summarizes loss runs, tracks renewal dates, and flags the sublimit or exclusion changes that matter before the client conversation. Cara’s product pages and docs do not list loss runs or renewals.
Side by side
Cooper and Cara, feature by feature.
| Capability |  | Cara |
|---|---|---|
| Who it’s built for | Retail agencies, wholesale brokers, MGAs, carriers and claims TPAs | Agencies, brokerages and wholesalers |
| ACORD and supplemental forms | Fills ACORDs and carrier supplements | Completes ACORD and supplemental forms |
| Carrier portals and raters | Drives live carrier portals and online raters | Not listed |
| Quote comparison and proposals | Normalizes quotes and drafts the proposal in your template | Compares quotes and drafts proposals |
| COIs and policy checking | COIs, endorsements and policy checking | Generates COIs and compares policies |
| Loss runs | Reads and summarizes loss runs | Not listed |
| Renewals | Tracks renewals and drafts the comparison | Not listed |
| AMS integrations | Applied Epic (read and write back), AMS360, HawkSoft, EZLynx | AMS360, HawkSoft, NowCerts, AgencyZoom. Applied Epic and EZLynx list read access only. |
| Security | SOC 2 Type II and HIPAA | SOC 2 Type 2 and HIPAA |
The Cara column reflects Cara’s public website, documentation and announcements, checked . “Not listed” means we could not find it there, not that Cara cannot do it. Products change, so if something here is out of date, email contact@askcooper.ai and we will correct it. Cara is a trademark of its owner. Cooper is not affiliated with Cara.
See the difference on your own account.
Bring a submission your team has already worked. We will show you what Cooper does with it.
Impact
Measurable results from day one
What teams say about Cooper
“The coverage analysis is amazing, I absolutely love it. If we were to do that on our own, it would probably take five hours in itself.”
Questions
Cooper vs Cara, answered.
What is the difference between Cooper and Cara?
Both complete ACORD and supplemental forms, compare quotes, draft proposals and generate COIs. Cooper also enters the risk in each carrier portal and online rater, writes finished work back to Applied Epic, reads loss runs and tracks renewals. Cara’s product pages and docs do not list carrier portal submission, loss runs or renewals, and its integration guide lists read access to Applied Epic accounts, contacts and policies.
Does Cooper submit to carrier portals?
Yes. Cooper fills the ACORDs and carrier supplements, then logs into each carrier portal and online rater and enters the risk itself, across your markets in parallel.
No more manualACORDs
See Cooper in action with your own data. No generic demo. We show how Cooper fits in with your team.
Request a Demo