Sierra Gold Insurance Services Automates Commercial Lines Submissions with Indio

Leveraging AMS360, Indio delivers an automated data capture and application experience for the agency’s commercial lines clients.

(Image credit: ArtTower.) 

Sierra Gold Insurance Services, a Nevada City, Calif.-based independent agency, has gone live on Indio, (San Francisco), a division of Applied Systems (Chicago), delivering an automated data capture and application experience for the agency’s commercial lines clients. Leveraging Indio’s integration with AMS360, the agency enables a digital, collaborative insured application experience, minimizing E&O exposure and the time spent filling out redundant information across multiple paper applications, according to an Indio statement. Applied Systems announced its acquisition of Indio Technologies in Dec. 2019.

“The ability to have a single place to share information and manage the application process with our customers is incredibly important to our business, and Indio provides us that experience,” comments Roger Krill, president, Sierra Gold Insurance Services. “Indio has significantly reduced the back and forth between our team and our clients, resulting in shortened renewal process—from preparing renewals to collecting information, signatures, and ultimately going to market—ultimately enabling us to build a stronger book of business.”

Michael Furlong, Co-Founder, Indio.

Indio describes its platform as enabling agencies to deliver a fully digital client risk capture and application experience by automating the data population across each individual, unique insurer application. The application uses smart-form automapping to reduce the need for rekeying client across individual application and risk information, designed to increase efficiency while reducing errors and omissions. The platform is made to let agencies communicate in real time with clients directly within the online insurance forms, enabling back and forth communication and collaboration all within a single application. Indio’s pitch is that it simplifies the insurance application process to make it faster, more collaborative, easier, and minimize errors and omissions, saving agencies and their clients’ time and money.

Eliminating Unnecessary Data Entry

“The commercial lines application and submission process has historically been laden with friction, requiring agents and clients to waste significant time filling out redundant information across multiple applications and tracking down miscellaneous supplemental data,” comments Mike Furlong, CEO, Indio Technologies. “Indio will simplify the application experience for Sierra Gold Insurance Services and their customers with digitized smart forms that eliminate unnecessary data entry, enabling more time to be spent finding the best coverage for their customers and driving high renewal rates.”

Applied Systems Acquires Indio to Speed Digitization of Commercial Submissions

Anthony R. O’Donnell // Anthony O'Donnell is Executive Editor of Insurance Innovation Reporter. For nearly two decades, he has been an observer and commentator on the use of information technology in the insurance industry, following industry trends and writing about the use of IT across all sectors of the insurance industry. He can be reached at or (503) 936-2803.

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