Applied Net 2026: What We Heard
Reflections and recurring operational pain points shared by agency COOs, operations heads, and agency principals.
Key Themes from Applied Net 2026 Discussions
During conversations with commercial lines leaders running on Applied Epic, four operational themes surfaced repeatedly. Detailed writeups for each are currently in progress.
[TODO] Theme 01: The 90-Day Renewal Timeline Crunch
Agency operators shared frustration over carrier submission windows opening at 90 days but quotes arriving with less than 3 weeks before expiration. We discussed how automated underwriter chasing helps recover leverage earlier.
[TODO] Theme 02: Evaluating Traditional Outsourcing vs. AI-Native Operations
Many COOs reported fatigue with rigid annual seat contracts from traditional outsourcing providers. We explored unit-cost models that combine automated extraction with exception reviews.
[TODO] Theme 03: E&O Vulnerabilities in Silent Deductible Spikes
Several agencies described near-miss E&O incidents where carrier endorsements increased property or liability deductibles at renewal unnoticed before binding.
[TODO] Theme 04: Practical AI & Model Context Protocol (MCP) in Epic
Operations teams are experimenting with LLMs but need secure, deterministic ways to connect agents to back-office workflows without risking policyholder data.