Your Competitors Are Automating Submissions. Here's How to Get There First.

A commercial P&C playbook: the AI impact for brokerages, from intake to renewal, and the seven criteria to look out for.

Key findings

• AI has moved from chat assistants to completing essential work. Modern platforms complete submissions, fill ACORD forms and carrier supplements, drive live carrier portals and raters, compare quotes, and build proposals.

• The adoption window favors agencies that move now. Adoption is wide but shallow. 68% of agencies plan to increase their AI use this year, yet only 8% have it embedded in daily workflows and 46% say they are not prepared to keep pace with technology.

• Evaluate on seven criteria. End-to-end workflow coverage, measured accuracy, real portal and rater execution, security and data-use policies, integration with your systems, human oversight, and insurance-specific depth.

• End-to-end beats point solutions. Tools that automate one step leave the rest of the work where it was. Cooper covers the whole chain, intake, ACORD forms and carrier supplements, portal submission, quote comparison, proposals, and renewals, so an agency runs one platform instead of stitching several together.