ReliaPilot · Commercial Lines

The Agency Brain for
Commercial Lines Brokers.

From E&O through Key Person — automate submissions, renewals, coverage analysis, and carrier supplement completion across every commercial line your producers write. Human-in-the-loop on every action.

Book a Demo →
Lines of Business

Deep workflows for every commercial line.

AI Assistants for Submission prep, carrier supplements, coverage analysis, and renewal packages - trained and customized for how your commercial producers actually work.

E&O / Professional Liability
Complete carrier supplements from AMS data, prior submissions, and loss history
Detect retroactive date gaps between the expiring and proposed policy before binding
Format loss run narrative for underwriters — trends identified, large losses annotated
Flag prior acts continuity risks and coverage gaps for the producer before submission
Cyber Liability
Pre-fill carrier security questionnaire from client IT profile and prior submissions
Identify security controls gaps against each carrier's minimum requirements
Benchmark Cyber limits against industry standards for the insured's SIC code
Surface sublimit deficiencies and retention differences across competing carrier quotes
D&O Insurance
Pre-fill application from AMS data, public filings, and prior year submission
Identify Side A, B, and C coverage gaps between carriers and prior policy
Flag retroactive date changes and prior acts continuity risks before binding
Surface coverage reductions and new exclusions vs. prior year at renewal
Commercial Auto
Detect H&NOA coverage gaps in accounts where employees drive personal vehicles for business
Interpret MVR violations against each carrier's eligibility guidelines before a driver is bound
Flag fleet liability limits that fall below contractual or exposure-driven requirements
Identify accounts requiring surplus lines markets before a standard carrier declination arrives
Inland Marine
Read client SOVs in any format and map values to carrier schedule templates
Flag replacement cost vs. reported value discrepancies before submission reaches underwriting
Identify blanket limit gaps for accounts with high-value scheduled items
Detect transit and installation exposure gaps when project values exceed floater sublimits
Umbrella / Excess
Verify underlying limits across all layers — GL, Auto, WC, and E&O — before umbrella attaches
Identify attachment point gaps and exclusion conflicts across the full tower
Flag carrier stacking conflicts and drop-down provision deficiencies
Surface umbrella gaps relative to the insured's contractual indemnification requirements
General Liability / BOP
Screen BOP eligibility from class code, revenue, and occupancy before the first quote is run
Verify ISO class codes against client operations and flag misclassification before submission
Read client contracts and surface missing Primary & Non-Contributory and Waiver of Subrogation endorsements
Flag GL aggregate shortfalls against client revenue and contractual liability requirements
Signal when revenue growth or new operations push an account beyond BOP eligibility thresholds
Workers' Compensation
Map payroll operations to NCCI class codes and flag misclassification before submission
Reconcile payroll records against policy classifications before the annual audit runs
Verify the Experience MOD calculation and surface errors in the bureau worksheet
Detect employees working in states not covered under the current policy
Policy Discrepancy Detection
What was bound vs. what was issued.
Compare the issued policy line-by-line against the binder before it reaches the client — limit changes, missing endorsements, wrong named insureds, and absent waiver of subrogation clauses caught before the client sees it, not during a claim.
GL aggregates, per-occurrence limits, and sublimits compared
Additional insured endorsements verified against binder requirements
Waiver of subrogation, primary & non-contributory status checked
Named insured and policy period accuracy confirmed
See it in action →
ReliaPilot · Policy Review
Coverage ItemBinderIssued PolicyStatus
GL Each Occurrence$2,000,000$2,000,000✓
GL Aggregate$4,000,000$2,000,000⚠ Discrepancy
Additional InsuredRiverside LLCRiverside LLC✓
Waiver of SubrogationEndorsedNot Endorsed⚠ Missing
Named InsuredDavidson Mfg.Davidson Mfg.✓
Primary & Non-ContribYesNot Endorsed⚠ Missing
3 discrepancies found — review before client delivery
Agency Brain

Ask anything about your commercial book.

Your E&O, Cyber, and D&O accounts — instantly searchable, always available. Ask in plain English. Get actionable answers.

Commercial Submission
Submission packet prep: 4 hrs → 45 min
D&O Renewal
Renewal package prep: 4 hrs → 45 min
E&O Scale
Junior producers handle lines they've never written before
ReliaPilot · Commercial Lines
E&O / D&O
"Submit E&O renewal for DataPath Technologies — pull 5-year loss history and complete the carrier supplement."
"Which D&O accounts haven't had a coverage review in 18 months?"
"Draft the D&O renewal proposal for Meridian Holdings — include Side A/B/C comparison."
Cyber
"Benchmark our Cyber limits against industry standard for SaaS companies under $50M revenue."
Umbrella
"Prepare Umbrella tower analysis for Metro Construction — verify all underlying limits."
"Which umbrella towers have underlying limits gaps in my commercial book?"

Ready to cut commercial submission time by 80%?

Start with one line of business. Most agencies go live within 30 days. Three senior AI experts dedicated to your deployment.

Book a Demo →