Cyber Submissions: Why RQB Is Built for Speed and Compliance
Cyber insurance is high-stakes, form-heavy, and growing fast.
But most quoting engines struggle to keep up-too slow, too rigid, or not designed for Cyber’s nuanced questions and appetite shifts.
That’s why MGAs and wholesalers are switching to RQB for multi-carrier cyber submissions that are fast, flexible, and fully compliant.
Here’s how it works.
1. What Makes Cyber Submissions Unique
| Challenge | Why It’s Different |
| Highly dynamic questions | New threats = constant updates |
| Carrier-specific appetite | No two portals ask the same questions |
| Subjectivity in responses | “MFA enabled?” “Security team in place?” |
| Attachments required | App, loss runs, controls questionnaire |
| Tight turnaround demands | Brokers want same-day quoting |
You can’t afford to fumble a cyber submission-or take days to complete one.
2. RQB Was Built for This
RQB (Rate-Quote-Bind) handles Cyber workflows with:
- Dynamic intake forms – adapts based on carrier appetite
- Auto-attachment tagging – pulls in loss runs, cyber app, SOC report
- Quote-by-carrier visibility – real-time comparison + API push
- AI pre-fill – populates responses based on prior submissions
- Bind trigger – sends data directly to carrier or internal UW
3. The Cyber Submission Lifecycle with RQB
Step 1: Intake
- Email or form comes in → AI extracts applicant name, revenue, coverage requested
- RQB identifies Cyber LOB and launches workflow
Step 2: Questionnaire Automation
- Dynamic questions load based on carrier or program
- RQB pre-fills prior answers, tags red flags (e.g., “No MFA”)
- Broker is looped in automatically for missing info
Step 3: Carrier Matching + Quote Push
- Based on controls and eligibility, RQB routes to eligible markets
- API integration pushes quote requests (no manual data entry)
- Underwriters return pricing → RQB logs, compares, routes to broker
Step 4: Bind & AMS Update
- Bound quote pushed to carrier (or sent back to ops team)
- Policy record created/updated in AMS
- Task created for issuance, COI, or renewal setup
4. Real Results: Before vs After RQB
| Metric | Manual Cyber Workflow | With RQB |
| Avg. quote prep time | 3-5 hours | 15-30 minutes |
| Carrier-specific errors | Common (wrong fields) | Rare (<2%) |
| Time to collect documents | 2+ days | <1 day (AI chase + tagging) |
| Bind-to-AMS delay | 1-2 days | <1 hour |
5. Bonus: Multi-State or Multi-Class Package?
RQB supports:
- Bundled Cyber + Tech E&O
- Standalone Cyber
- Multiple limit scenarios
- Control-based pricing tiers
- Submission routing to internal underwriters or third parties
Cyber quoting is getting faster. Are you?
Use RQB to triage, submit, and bind cyber risks-across multiple carriers-without rekeying or manual uploads.
Start with 5-10 cyber submissions and test the difference.
FAQ
Can RQB handle supplemental apps and attachments?
Yes. RQB tags required documents, chases missing files, and logs the complete package per carrier.
Does it work with our AMS or just EI?
RQB integrates with Expert Insured, Epic, AMS360, or standalone.
What if we underwrite Cyber in-house?
You can build custom forms in RQB, and route quotes internally or to outside partners.
Learn more about our real-time quoting platform RQB
