The future of commercial insurance

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Built for commercial insurance

In today's competitive landscape, customer and broker expectations are changing

Speed, convenience and consistent control over risk selection and decisioning matter most. To meet these expectations, insurers must leverage the right technology to provide the experiences that brokers and customers demand. Built for commercial and specialty insurance, Cytora is the AI-powered platform that enables insurers to digitize and streamline their core workflows driving improved premium growth, profitability and service across all lines of business. The Cytora platform is uniquely configured for each insurer accelerating competitive differentiation.

Risk Intake
Claims

Risk Digitization

Unify intake channels, streamline claim submissions across all categories, turn claim submissions adjudication-ready by digitizing submission, internal and external sources.

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Risk Digitization

Risk travels unstructured and heterogenous through the value chain while risk data – required to turn submissions decision-ready - is dispersed across many different internal and external data sources. Cytora digitizes the entire intake, manages all request types from new business to claims and turns them decision-ready by digitizing submission, internal and external data sources.

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Risk Workflows

Process claims through multi-step flows according to triage and configurable rules. Auto-adjudicate low complexity claims and route outsized claims for review. Refine rules via configuration layer.

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Risk Workflows

Effective risk workflows evaluate and move risks for decisioning without absorbing capacity, enabling insurers to scale risk volume and improve control over target portfolio shape. Cytora's AI-powered workflows activate risk professional time based on powerful conditionality, enabling customers to accelerate quotes, adjudicate claims and pre-populate downstream systems.

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Portfolio Enhancement

Reveal the shape of your risk flow, detect changes in shape and optimize frontline actions to accelerate target portfolio. Dial up and dial down automation based on complexity.

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Portfolio Enhancement

Risk and market dynamics are changing at an accelerating rate requiring senior management achieve visibility over risk workflows and synchronize front line activity with target portfolio shape. Cytora reveals the shape of your risk flows, continuously detects subtle changes in shape and guides adjustments to front line actions to accelerate target portfolio.

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Benefits

Uplift premium and improve combined ratio

30%

uplift in premium growth 

Create new capacity to quote more, bind more and service more of the right risks

Improve

underwriting margins

Improve loss ratio by up to 3pp through superior control over risk selection and decisioning

Transform

broker service

Improve broker experience by halving turnaround time across the whole risk lifecycle

AI-first

Powered by Generative AI

Cytora is powered by Generative AI enabling insurers to accelerate configurability, scalability and performance across all lines of business. The Cytora platform comes with pre-trained schemas, template multi-step workflows and a quality control console while enabling risk schemas to be refined on a zero-shot basis. Cytora enables risk professionals to ask questions of the submission flow in the context of the in-force portfolio, from understanding where risk is outsized, to shaping decisioning in line with the target portfolio.

Streamline end to end risk journey

Uplift efficiency across the risk journey by digitizing, standardizing and summarising risk data for decisioning in a way that is fully traceable

Superior decision consistency

Ask questions of the risk submission flow in the context of the in-force portfolio to facilitate better and more consistent decisions

Capture clean AI ready data

Capture clean, standardised, schema aligned data to accelerate model development

Security

Security at our core

The right protocols 

A company is only as secure as its people. At Cytora we follow best practices, train our staff on a global basis, and routinely and exhaustively test our end-to-end processes to ensure maximum compliance.

Built in security

The Cytora platform is ISO certified and designed with built in enterprise grade security. Our cloud deployments are managed, standardised, tested, and audited, with robust access controls that fluently scale to meet customer demand.

Certified

Awards

Award-winning technology

Risk flow center

Everything you need to start and continue your transformation

Evolving from manual workflows to digital risk flows requires cross-functional collaboration and buy-in from key stakeholders. Risk Flow Centre is designed to equip your organisation with all the necessary resources to accelerate the digital transition and ensure success on the path to becoming a digital-first insurer. From simple explainers of how to digitise core workflows to accelerate business objectives, to key sources of value, to typical integration patterns, through to documentation.

Latest materials

Podcasts

Testimonials

Trusted by the world's top insurers

Jon-Paul Jones

Chief Operating Officer

Cytora’s digital risk processing platform allows us to drive efficiency and effectiveness across our underwriting workflows, providing our brokers and customers better, faster service and enables us to have a more competitive, scalable and data-driven proposition for our commercial clients across the globe.”

Jon-Paul Jones

Chief Operating Officer

Troy Dehmann

Chief Operating Officer

We are investing in digital capabilities to unlock scalable growth, Cytora enable us to streamline key workflows enhancing efficiency and effectiveness and further developing how we use data to drive decision making across the group and accelerating our profitable growth.”

Troy Dehmann

Chief Operating Officer

Neil Galjaard

Managing Director

At Markel, we are committed to giving brokers and clients enhanced service levels and Cytora will enable us to create capacity to effectively grow our scale in our key sectors and enable our underwriters to provide further enhanced service to customers and brokers.”

Neil Galjaard

Managing Director

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