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Carrier Market Appetite

Publish your appetite once and put it in front of every agent

Update your appetite once, and every agent sees it at the same moment. No guide to reprint, no lag before the field finds out.

A PDF appetite guide is out of date the moment you publish it

Agents keep submitting to markets that won't write the risk, leaving underwriters to spend valuable time declining business that was never a fit.

Market Appetite® replaces the PDF with searchable appetite inside the tools agents already use, so more submissions match what you write.

Key benefits

What publishing appetite through Market Appetite changes across your organization:

Improved submission quality

Agents see your appetite before they submit, so fewer out-of-appetite risks reach your underwriting team.

Underwriter time spent on real prospects

Your underwriters spend their day quoting risks you want to write instead of declining ones you never would.

One appetite across every channel

Agents, MGAs, and embedded partners all pull from your current appetite, the same version, everywhere at once.

Visibility into agent demand

See which classes and regions agents are searching for, including business you’re not yet writing.

Set your appetite once, and it shows up everywhere agents look

How it works

Update eligibility by class and state

Tighten or open appetite for a single class, state, or limit, and the change is live immediately.

Reach every connected tool at once

Publish a change once, and Commercial Distribution, Bookroll, and every other tool pick it up immediately.

Control who sees your appetite

Choose public visibility across the whole network, or restrict specific products to approved partners only, and change it anytime.

Set your appetite once, and it shows up everywhere agents look

See which agents are searching for business you want

How it works

Screen out risk before it's submitted

Every search returns an instant answer: in appetite, conditional, or not a fit. Real fits reach your desk.

Watch demand you haven't won yet

Dashboards show which classes and geographies agents are hunting for, including searches where you didn't match.

See which agents click through

The leads section of your dashboard names every agent who clicks through to your portal.

See which agents are searching for business you want

Part of Applied

Your appetite feeds every connected quoting tool

Set your appetite once, and it becomes the gate that every submission clears before Commercial Distribution, Bookroll, or any connected quoting tool.

Explore the full platform

Key features at a glance

Everything a carrier needs to publish, control, and track commercial insurance appetite across the agency network.

  • Self-service product setup

    Add and edit product details, classifications, guidelines, collateral, and eligibility, all yourself.

  • NAICS and SIC classification

    Appetite defined to the six-digit NAICS code and sub-description level, across more than 20,000 datapoints.

  • A search process that agents already know

    Agents explore markets the same way they search for anything else, based on their customer's risk.

  • Built into agents' daily tools

    Market Appetite already connects to more than 10 agency systems, including Applied Epic® and EZLynx®.

  • Built into your own systems

    Integrate appetite searches into your website, internal tools, or platforms like TrustedChoice.com®.

  • Dashboards on agency demand

    Track appetite views, top-ranking profiles, and leading agents, filterable by day or by month.

The impact of real-time appetite

  • 90%

    Of independent agents would write more business with carriers if they showed real-time appetite when taking business to market

  • 54%

    Of agents say they lose deals monthly because they can’t reach the right markets fast enough

Insurance appetite and eligibility, answered

Ask Kodiak is now known as Market Appetite, part of the Applied suite for carriers. Appetite publishing, product search, and eligibility rules work the same way, and existing Ask Kodiak logins continue to work without changes.

Agents searching for your appetite find it in the same place they always have.

Through Market Appetite, agents search by class, geography, and risk details and see your current eligibility instantly, whether they search directly on the appetite site or inside a connected agency management system.

The same search also powers your listing inside Commercial Distribution and other connected quoting tools.

Market Appetite shows agents which carriers are in appetite for a given class, geography, and risk profile, so they place the risk with real data rather than a guess. For you, that means more submissions arrive from agents who already know you write the class.

Market Appetite doesn't make underwriting decisions. It publishes the eligibility rules a carrier has already set, so an agent or a connected system knows whether a risk is in appetite before it reaches an underwriter.

Underwriting still makes the call on anything that reaches their desk; this keeps out-of-appetite business from getting there in the first place.

Yes. Appetite and eligibility data are available through the API, so it can live inside your own website, quoting tool, or internal systems instead of a separate portal agents have to visit.

Most carriers run both: the standalone appetite site for agents who search there directly, and an API connection everywhere else.

Yes. Appetite changes take effect the moment you publish them, so if a class stops performing in a state or a regulatory issue comes up, you can close it before another submission comes in.

There's no reprint cycle and no waiting on a release window. The change is live as soon as you save it.

An agency management system runs your whole benefits book in one place as your P&C business – account data, plan details, servicing, and commissions all live in one place. Benefits administration software, such as Ben Admin or an HRIS platform, manages enrollment and eligibility for a single employer. Benefits Workspace connects to those systems and syncs with Employee Navigator, rather than replacing them.

Go deeper on Benefits Workspace

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Put your appetite to work

See how Market Appetite reaches the agents you work with, and what it takes to get your current appetite live.

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