Cytora uses agentic AI to digitize risk submissions and automate underwriting, claims, and renewals for commercial insurers, MGAs, and reinsurers.
Cytora is a risk digitization and automation platform built for commercial insurance. It uses agentic AI to convert unstructured risk submissions — emails, PDFs, forms, and other documents — into structured, decision-ready data, then automates the underwriting, claims, renewal, and mid-term adjustment workflows built around that data.
The platform is organized around a few core modules: Concierge classifies incoming requests and routes them to the right schema digitizer; the Digitization Center lets teams configure custom risk data fields in natural language, without code, using pre-built schemas that span multiple lines of business and countries; Unified Reasoning combines submission data with internal and external sources for a fuller view of risk; and Autopilot runs self-executing workflows with configurable human review and exception routing based on confidence thresholds. Every automated decision includes field-level provenance and confidence scoring for explainability and audit purposes.
Cytora targets commercial insurers, wholesale brokers, managing general agents (MGAs), and reinsurers, supporting use cases across new business intake, renewals, claims (FNOL and post-FNOL), mid-term adjustments, and facultative/treaty submissions. The company, founded in 2014, lists enterprise insurance customers including Zurich, Chubb, Beazley, Markel, Travelers, Liberty Mutual, and Tokio Marine, and has a partnership with Moody's Analytics for risk data workflows. Cytora is now part of Applied Systems.