How DXG cut quoting from an hour to just 5 minutes

The Challenge

Before CoverForce, DXG tried twice to solve quoting on its own. First, direct API connections the team maintained in-house. Then an aggregator partnership that opened up more carrier access but came with a catch: no front end, so DXG had to build and maintain its own intermediary site just to give agents somewhere to work.

It held together, but it wasn't going to hold up under the growth DXG was expecting. A single carrier pushing an update could take the whole system down. Latency left screens hanging between steps. And if one carrier in a multi-carrier submission errored out, it could crash the entire quote, sometimes returning inaccurate results on the way down.

There was a quieter problem too. Without a direct relationship with the insured, DXG carried more perceived risk in the eyes of its carrier partners than the business warranted. Some carriers are naturally cautious about wholesale-sourced submissions when they can't see how the data was verified.

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The Solution

DXG runs its entire work comp quoting operation through CoverForce, and increasingly it's the front door for everything else too. Both of the things DXG had been maintaining itself, the carrier connections and the interface agents worked in, came off its plate.

Submissions start in the platform now. A webhook-triggered Salesforce integration creates the opportunity as soon as a submission lands. Business routes in by email-to-quote or straight into CoverForce, and appetite checking narrows carrier fit right away. ACORD entry used to be the bottleneck. Now DXG drags in whatever it has, whether that's a completed application, a Word doc, or a rough email, and data extraction pre-fills the rest. If something's missing, CoverForce generates a formal ACORD to send back to the agent.
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The signed ACORD solved something else. Supplemental underwriting questions are built into the form, so agents and insureds sign off on the specifics themselves. That gives carriers a documented record from the source instead of DXG's assumption about the risk, which is what the wholesale hesitation was really about.

The old system's fragility is gone. If a carrier errors out or declines, the rest of the quote keeps moving. Under the previous setup, one carrier's bad day could take down an entire submission and occasionally return inaccurate results in the process. Multi-location risks used to be a hard technical wall. They quote without issue now.

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Key Results

_{Quoting that took the better part of an hour now takes minutes}

A single-location risk used to run about 15 minutes per carrier, and a full hour to get across a manual panel. It resolves in under 5 minutes across the board now, roughly a 5× improvement in raw speed, with fewer errors and more consistent results. Failed submissions ran near 50% under the old setup and are gone. Multi-location risks that weren't possible before are supported.

“What used to take us the better part of an hour across multiple carriers now takes minutes. And it's not just faster, the results are more reliable too.”

Ryan Swalve, Chief Innovation Officer, DXG

_{Carrier relationships shifted in DXG's favor}

DXG rarely quoted with Accident Fund before CoverForce. They're now a regular placement with meaningfully more premium flowing through, because the carrier can finally see the full volume of business DXG writes. Partners who aren't on CoverForce noticed the drop in submissions, asked why, and got the same answer.

“Some carriers are hesitant about the wholesale model because they don't have a direct line to the insured. When we can show them a signed, verified application instead of our word for it, that hesitation goes away.”

Ryan Swalve, Chief Innovation Officer, DXG

_{Retail agents are engaging more than they ever have}

Registrations are up 4×, and self-quoting through the portal has become the team's favorite tool. Agents get instant feedback and visibility into their own pipeline.

"Agents love the instant feedback. When they can log into a real platform and see carriers they recognize, it puts their mind at ease. It makes us look like a real company, not just another wholesale contact."
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Ryan Swalve, Chief Innovation Officer, DXG

_{Adding lines without adding platforms}

Cyber and BOP are coming to the portal, and cross-selling those lines to agents who've already quoted work comp is the natural next step, with no new platform and no new login. Renewals come after that, and DXG is already remarketing more actively because the data is sitting there, ready to resend.