Making Risk Flow | The Future of Insurance
Making Risk Flow is a podcast powered by Cytora. This insurance podcast is designed to bring clarity, know-how and inspiration in driving digital transformation for commercial insurers, paying particular attention to the automation of risk processing. This podcast, led by industry veteran Juan de Castro as well as insurance change-makers, will showcase their learnings, challenges and solutions that have, or haven’t, worked for them. If you are embarking on leading a transformational project in your insurance company and want to make sense of it all - this podcast is for you.
To discover out more about digital risk processing, visit https://www.cytora.com
Making Risk Flow | The Future of Insurance
What Happens When the Submission Disappears: Brokers and Carriers on Agentic Workflows
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Commercial insurance renewals and remarketing have traditionally involved time-consuming manual processes, but AI-powered tools are creating new opportunities for agencies and carriers to work more efficiently.
In this episode of Making Risk Flow, recorded live on the sidelines of the Applied Net 2026 event, host Juan de Castro brings together five industry leaders to explore Submissionless, a renewal tool designed to simplify commercial insurance placement. Luke Bills of Liberty Mutual Insurance, Ia Bater of Chubb, Donna LaGoy of Highstreet Insurance Partners, Stephanie Pignataro of Foundation Risk Partners, and Lori Washburn of Hylant share their perspectives on the technology's potential to transform renewal workflows.
The conversation examines why speed and accuracy matter in securing business, how automation can reduce repetitive administrative work while preserving human judgment, and why reliable agency management system data is essential for effective processing. The panel also explores how agencies can strengthen relationships with strategic carrier partners, use real-time underwriting appetite to improve risk matching, and remarket more business without compromising coverage or service quality. Finally, they consider how Submissionless could expand into new business and more complex commercial accounts, reshaping collaboration across the insurance industry.
A special thanks to Katarina Pregelj of Applied Systems for moderating this discussion!!
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Our previous guests include: Bronek Masojada of PPL, Craig Knightly of Inigo, Andrew Horton of QBE Insurance, Simon McGinn of Allianz, Stephane Flaquet of Hiscox, Matthew Grant of InsTech, Paul Brand of Convex, Paolo Cuomo of Gallagher Re, and Thierry Daucourt of AXA.
Check out the three most downloaded episodes: