Carrier Appetite Search:
Know Which Carriers Will Write Your Risk Before You Quote
Stop guessing. AskFetch searches carrier appetites, delivers underwriting answers through Ellie AI, in seconds.
Stop guessing. AskFetch searches carrier appetites, delivers underwriting answers through Ellie AI, in seconds.
A homeowner calls. You take the risk details. Then the hunt begins — logging into carrier portals, flipping through underwriting guides, calling contacts, guessing which carriers might write it.
That process takes hours. Sometimes days. And according to IVANS, 60% of insurance submissions go unquoted industry-wide — meaning the majority of the time agents spend chasing carriers produces no revenue at all.
The callback is where deals die. Nearly 70% of agencies say they lose opportunities because they cannot find a market to quote the risk, per IVANS’ Agency-Insurer Connectivity Report. In coastal and hardening markets, speed equals conversion, and delays equal lost business.
The data tells a clear story. According to First Connect’s 2025 State of the Industry Report, 71% of independent agents struggle to understand carrier appetites. 86% report challenges with product availability linked to unclear market guidance. These clarity gaps contribute to elevated decline rates and slower placement workflows.
The traditional carrier appetite search relies on static PDF guides that update inconsistently and carrier portals with different logins and data entry requirements.
Phone calls and emails to underwriters. The institutional memory of experienced staff. But the industry is losing 400,000+ experienced professionals who carry decades of underwriting knowledge in their heads.
Carrier appetites shift constantly -- sometimes monthly, sometimes weekly. An agent searching for a coastal Florida property with a 15-year-old roof might check three or four portals. By then, the homeowner has already gotten a quote from someone else.
AskFetch solves carrier appetite search by answering the underwriting question first — which carriers have appetite, under which policy forms, with what conditions.
The platform consolidates underwriting criteria from 80+ carriers into a single, searchable system. Carrier data updates daily. When appetite shifts, AskFetch reflects it the next day — not next quarter.
Three of AskFetch’s four core functions exist nowhere else. No other tool combines real-time consolidated carrier intelligence, a structured underwriting decision engine, and an AI-powered digital underwriter in one place.
Select your state and up to 5 carriers at a time.
Ask your questions as if you were talking directly with an underwriter.
Get carrier-specific answers, eligible policy forms, and applicable conditions -- in seconds.
Most tools generate prices. AskFetch tells you which carriers will write the risk, under which terms, and why. The underwriting bottleneck is what kills speed, not the quoting process.
Ask Ellie a natural-language question -- "In FL, will Heritage take a 2006 tile roof with solar panels?" -- and get carrier-specific answers in seconds. Built on 80+ carriers, 20+ states, and 7+ years of structured underwriting data. Compare up to 5 carriers simultaneously.
7+ years in the hardest U.S. property market. Built by Trace Meek, CEO and Joshua Mirabella, CTO. Trace is a third-generation agency owner who ran Condon-Meek Insurance in Clearwater. Designed for coastal complexity -- older roofs, wind mitigation, shifting carrier appetite -- and works across 20+ states.
AskFetch does not replace or override your carrier appointments. The carrier appetite search and quoting engine operate across the carriers you already represent. No system changes required.
No long-term contracts. Month-to-month. Free trial available. Setup in under an hour.
No long-term contracts. Month-to-month. Free trial available. Setup in under an hour.