Certificates in minutes, quoting entered once, cancellations caught the morning they post.
You don't pay a dollar until it's built and working.
All discovery is free. Each piece is billed only once it is running in your business.
This page shows what ThirdAxis builds inside an independent agency, in the order it gets built. The screens are drawn from a system now in production for an agency in the Midwest, with the names changed. Three phases: a commercial certificate engine, quoting intake with ACORD applications drafted, and a daily retention monitor read from carrier notices. Each phase is scoped on its own, and the agency owns what is built.
- Requester
- Owner, verified
- Holder
- Harbor Point Property Mgmt
- Wording
- AI, primary and noncontributory, WOS
Phase 1. A request in, the ACORD 25 drafted from the policies on file, the holder’s requirements checked, one gap flagged, and the certificate held for a licensed CSR.
Where a CSR’s day goes.
Certificates, re-keyed quotes, and the cancellation that nobody saw until the insured called. The same three jobs in nearly every agency. The figures below are industry-wide.
of CSR time on the manual workflow, at 15 to 30 requests a day in an average independent agency. Three to twelve hours of capacity a day.
goes to routine calls: policy status, certificate requests, payment questions. Servicing that a system can take the first pass on.
from a five-point retention improvement on a $2M personal lines book. Average agency retention runs about 84%.
The systems draft, check, and hold. Licensed people issue, advise, and send. That line does not move.
An independent agency’s commercial servicing is the most repeatable, highest-volume work in the office, and it lands on the same people who are supposed to be selling. That is why the first phase is always certificates: fastest to take off the desk, no deep system work required to start, and the place where a compliance miss costs the most.
Each later phase leans on what the first one confirms about your agency management system: what can be read, what can be written back, and how deep the integration on your account can go. Nothing further is promised before that is known. Phases are scoped and priced separately, and you pay at the end of each, after it is delivered and working.
The three phases, in order.
Commercial certificate engine
A certificate request comes in by email, form, or website. The requester is verified, the holder and wording read, the insured and policies matched, and the ACORD 25 drafted from the coverages actually on file. Any holder requirement the insured does not carry is flagged. A licensed person reviews and sends.
Complete when certificates go out in minutes instead of being built by hand, with compliance gaps caught before issuance.
Quoting intake and ACORD generation
Guided intake for personal and commercial prospects from the website, a link, or a phone consultation. The right follow-up questions get asked, the data comes out structured and complete, prefilled from a declarations page where one is provided, and commercial submissions are drafted as ACORD applications. Everything lands in one lead inbox.
Complete when a prospect is entered once and the producer starts from a complete file, not a voicemail.
Billing and retention monitoring
The daily carrier non-pay and cancellation notifications are read into one morning view of every policy pending cancel. The follow-up to the insured is drafted, tied to the policy and the amount due, for licensed review and send. Handled items are marked.
Complete when no pending cancellation is discovered after the fact.
Guided intake that asks what the carriers will ask.
A prospect on the website at 8 PM on a Sunday is walked through the follow-ups a producer would ask: class, sales, payroll, liquor, prior carrier, and comes out as structured data ready for the rater and the AMS. Commercial submissions are drafted as ACORD 125 and 126. The producer opens a complete file Monday morning.
- Class
- Restaurant, full service, liquor 25%
- Sales
- $1,400,000
- Employees
- 14
- Seating
- 60, plus catering
- Renewal
- November
- Prior carrier
- Asked, pending
Every pending cancellation, in one morning view.
Carriers send non-pay and cancellation notices by email and portal, one at a time, across every carrier the agency writes. The monitor reads them the morning they post into one list: insured, policy, cancel date, amount due. The outreach is drafted for each, tied to the specific policy, for a licensed person to review and send. Handled items are marked so the same insured is never contacted twice.
Hi Ada, a quick note from the agency. The homeowners policy shows a payment of $412 outstanding, and the carrier has it set to cancel on October 6. If it was already sent, ignore this. If not, here is the payment link, or call us and we will take care of it.
A licensed person reviews and sends. Handled items are marked so nothing is worked twice.
Beyond the three phases.
Commercial servicing write-back
Policy changes, endorsements, and renewal-queue work written into the agency management system directly, once the depth of access on your account is confirmed.
Dormant prospect campaigns
Outreach against the untouched prospects already in your book, driving them into quoting intake and the lead inbox.
After-hours service line
Voice and chat that takes the certificate request, the payment question, or the claim report at 9 PM and has it on the desk by morning.
Renewal queue
Every renewal 90, 60, and 30 days out, with the remarket decision, the carrier's terms, and the outreach drafted, so every renewal is reviewed before it re-issues.
Your management system stays. We build beside it.
Agencies already run good software for policies, rating, and self-service. The work here fills the gaps between those systems, the judgment calls and the drafting, and writes the result back where it belongs.
How we work with an agency.
A licensed person sends everything.
Certificates, applications, outreach. The systems draft, check, and hold. Issuing and advising stay with licensed staff, which is where your E&O sits.
Built inside what you already run.
Your agency management system, your rater, your carrier portals, your inbox. We integrate with the stack an agency has rather than ask a small team to learn a new one.
One phase at a time, owned on payment.
Each phase is scoped and priced on its own, delivered on our infrastructure under your accounts, and handed to you on payment. Code and cloud accounts are yours. No license to be priced up on later.
The screens on this page are drawn from a system in production for an independent agency that is not named here. Every insured, holder, policy number, carrier, amount, and date shown is illustrative. Carriers are labeled generically. Photographs are illustrative and show no real agency or client. Industry figures are from published agency benchmark and CSR workload studies and are cited on request. Phases are scoped and priced per agency; nothing on this page is a quote.
Start with certificates. See it on your own book.
A short call about how many certificates and cancellation notices cross your desk in a week, and what your management system allows. Reach Roman directly at roman@thirdaxis.ai.