The submission platform
purpose-built for P&C.
Upload any Schedule of Values, enrich every property with the underwriting data carriers require, AI-verify it against public records, and export clean submissions to AmRisc, CIBA, and Jupiter.
Upload any SOV. Get every COPE field carriers ask for.
Drop in a client's spreadsheet — xlsx, xls, or csv. SOV AI auto-maps columns, normalizes values, and enriches every property with the construction, occupancy, protection, and wind exposure data carriers underwrite on.
- AI-assisted mapping when a column doesn't fit a known alias
- Geocoding, flood zone, and coastal exposure on every location
- Wind, hail, and FBC fields populated for coastal portfolios
Everything a P&C broker needs to turn an SOV into a submission.
Stop wrestling with messy spreadsheets, missing wind fields, and unmatched loss runs. SOV AI handles the underwriting data work so you can spend your time placing property, GL, and umbrella risk.
SOV upload & enrichment
Drop in any client's SOV — xlsx, xls, or csv. We auto-map columns, normalize values, and enrich every property with construction class, occupancy, protection class, flood zone, and wind exposure — the underwriting fields P&C carriers demand.
Export to AmRisc, CIBA & Jupiter
One-click export into the exact carrier templates. No more reformatting cells, hunting for required columns, or breaking the carrier's macros.
AI property verification
Every property is cross-checked against reputable public records — county appraiser data, LoopNet, and more — to fill missing fields and flag values that contradict your SOV, each with a source link to review.
Loss runs in one place
Upload every loss run a client sends — across carriers and policy years — and keep them all stored with the portfolio, so the full loss history travels with the submission.
Named insured accountability
Track every additional named insured against the account manager responsible. Producers and AMs always know who owns what.
Supporting document workflows
Attach inspection reports, photos, and statements of value to the right property. Everything a carrier needs in one organized package.
Four steps from raw spreadsheet to clean submission.
Upload the client's SOV
Any format. We parse it, fuzzy-match the columns, and load every location into your portfolio in seconds.
Enrich every property
Fill in construction class, protection class, flood zone, geocoding, and wind exposure. Attach supporting documents per location.
Verify against public records
Every property is cross-checked against county appraiser data, LoopNet, and other sources — missing fields filled, contradictions flagged, each with a source link to confirm.
Export & submit
Push the finished submission into AmRisc, CIBA, or Jupiter templates — with loss runs kept alongside. Done.
The P&C formats carriers actually want.
No reformatting. No broken templates. SOV AI exports submissions directly into the property schedules your markets require, so what you send is what they quote and bind on.
- AmRisc SOV Schedule — all wind, coastal, and protection fields populated
- CIBA submission spreadsheet
- Jupiter submission package
- Every property AI-verified against public records
- Loss runs kept with the portfolio
Loss runs linked to locations
Upload every loss run, then attach each claim to the property it actually happened on. When the carrier asks about loss history at a specific location, you can answer in one click instead of digging through PDFs.
Additional named insured accountability
Every additional named insured is tied to an account manager. Producers and AMs share a single organized record of who owns each relationship — no more chasing email threads to confirm who's responsible.
Not just carrier templates — export to any platform you run on.
Every account includes a free data API, so you can push your enriched SOVs, loss runs, and submissions straight into the agency management software you already use — Applied Epic, AMS360, EZLynx, or any platform you choose. SOV AI becomes the ETL layer for your book: ingest messy client spreadsheets, enrich and standardize every property, then load it anywhere. No manual re-keying, no broken handoffs, no vendor lock-in.
Try free. Pay by location.
Every account starts with 50 free locations — no credit card. Then pick a plan sized to the locations you manage. Capacity scales automatically — +100 locations for $25/mo, extra users $15/mo.
Starter
For individual brokers getting submissions out the door.
100 locations · 1 user
- AI property verification vs. public records
- Data enrichment (COPE & wind exposure)
- Document & loss-run storage
- Additional named insured tracking
- Export to AmRisc, CIBA & Jupiter
Mid
For small teams running steady submission volume.
300 locations · 3 users
- Everything in Starter
- 300 locations included
- 3 users included
- +100 locations for $25/mo
- Extra users $15/mo
Pro
For growing agencies managing larger books.
500 locations · 5 users
- Everything in Mid
- 500 locations included
- 5 users included
- +100 locations for $25/mo
- Extra users $15/mo
Enterprise
For high-volume teams with large, active portfolios.
1,000 locations · 10 users
- Everything in Pro
- 1,000 locations included
- 10 users included
- +100 locations for $25/mo
- Extra users $15/mo
Month-to-month, billed by your peak locations for the cycle. +100 locations $25/mo · extra users $15/mo. Cancel anytime.
Common questions from P&C brokers.
What is SOV AI?
SOV AI is a specialized submission platform for commercial Property & Casualty insurance brokers. It ingests any Schedule of Values, enriches and AI-verifies each property against reputable public records, keeps loss runs in one place, and exports clean submissions to AmRisc, CIBA, and Jupiter.
Who is SOV AI built for?
Retail and wholesale Property & Casualty brokers, account managers, and producers who place commercial property, general liability, and umbrella/excess risk. SOV AI is purpose-built for the P&C submission workflow — it is not a generic spreadsheet tool.
What property and casualty insurance lines does SOV AI support?
Commercial Property, Commercial General Liability, and Commercial Umbrella / Excess Liability — the core lines wholesale and retail P&C brokers place from a Schedule of Values.
What is a Schedule of Values (SOV) in commercial property insurance?
A Schedule of Values is a structured list of every insured location in a commercial property portfolio, including replacement cost, construction class, occupancy, year built, protection class, roof details, and other COPE (Construction, Occupancy, Protection, Exposure) attributes carriers use to underwrite property risk.
Which markets can I export submissions to?
SOV AI exports directly into the AmRisc SOV Schedule, CIBA submission spreadsheet, and Jupiter submission package — the exact templates these wholesale markets require. No reformatting, no broken macros.
How does SOV AI verify property data?
SOV AI cross-checks each property against reputable public records — county property appraiser data, LoopNet, and other sources — to fill in missing fields and flag values that contradict your SOV. Every finding links to its source so you can review and confirm it into the schedule.
How do loss runs work in SOV AI?
Upload every loss run a client sends — across multiple carriers and policy years — and keep them all in one place alongside the SOV. Each file is stored with the portfolio so the full loss history travels with the submission.
How much does SOV AI cost?
Pricing is by location, billed monthly. Starter is $79.99/mo for 100 locations and 1 user; Mid is $129.99/mo for 300 locations and 3 users; Pro is $174.99/mo for 500 locations and 5 users; Enterprise is $349/mo for 1,000 locations and 10 users. Need more capacity? Add 100 locations for $25/mo on any tier, and extra users are $15/mo each. Every account starts with 50 free locations — no credit card required. Plans are month-to-month, cancel anytime.
How does location-based pricing work?
Your plan covers a set number of locations — the properties on the SOVs you manage. As your book grows past your plan's allowance, capacity scales automatically in $25 packs of 100 locations, so you're never blocked. Extra team members are $15 per user per month. You're billed on the highest number of locations you held during the cycle.
Stop formatting spreadsheets.
Start placing P&C risk.
Sign up free and process your first 50 locations on us. No credit card required.