How to Automate Insurance Carrier Portal Workflows

Tired of watching your team waste hours manually filling forms and retrieving policy documents on Hartford, Travelers, Progressive and other insurance portals?

Well, insurance carrier portal automation uses software to perform those tasks through the carrier’s website.

With Skyvern (I am Skyvern' CEO), we use AI to interpret pages and act on them, so agencies can automate browser work even when a carrier does not provide an API for the task.

In this guide I'll go over what an insurance carrier portal automation can actually automate and show you how we do it at Skyvern.

If you'd rather skip the explanations and try automating insurance carriers, give Skyvern a spin, it's built exactly for this.

Why Insurance Agencies Spend Hours on Carrier Portal Work Every Day

It all comes down to the fact that each carrier has its own portal, with its own requirements and its own little quirks.

Hartford uses one login and interface.

Travelers has a different one. Progressive, Nationwide, Liberty Mutual, and Chubb each built their own systems with unique navigation, forms, and authentication.

Independent agents often manage policies across 15 to 40 carriers and have to log into each portal individually to handle quotes, documents, and policy changes.

The same client details get typed over and over. Name, street location, coverage requirements, property information, and loss history get entered into one carrier's form, then entered again into the next carrier's completely different layout.

This manual process takes 2 to 4 hours per day for agency staff. Hours spent on portal work mean fewer hours serving clients or writing new business.

The Three Core Workflows That Dominate Carrier Portal Operations

There are a lot of workflows that involve carrier portal operations, but if we narrow it down to the core ones, we have those 3 workflows:

1. Quote generation (submitting client details across many portals)
2. Document retrieval (retrieving declaration pages, contracts, certificates of insurance...)
3. Endorsement processing (updating and downloading policies)

When done manually, those 3 workflow add a significant operational burden on agency staff, so thsoe are the most commonly automated amongst our clients.

How we automate those workflows

Traditional scripted browser automation has helped reduce that burden, but when a portal changes or when something different happens on-screen, the automation breaks and needs to be modified.

Skyvern uses computer vision and language models to automate browser interactions. Given a client’s details and a defined task, it can identify the relevant fields and work through the browser interactions. That ability to interpret an unfamiliar interface is central to how we built Skyvern. This way you simply tell Skyvern what to do, and it will do the work and figure out what field to fill or buttons to click. Even if the interface changes, it will adapt.

Approach	How the portal work is handled	What your team maintains
Manual processing	A person interprets each page and completes each request.	Staff knowledge and time for every transaction.
Scripted browser automation	Code defines browser actions, locators, and branches.	Scripts and tests as forms and business processes change.
Skyvern	AI interprets pages using the task instructions and supplied data.	Workflow instructions, credentials, input requirements, and checks on the result.

Automating quotes across multiple carriers

Quote automation starts with an application record: the named insured, business details, requested coverage, and any supporting information each carrier requires.

Skyvern can use that record to complete submissions through the carrier portals you configure.

For example, a commercial insurance application might include revenue, payroll, operating locations, and loss history. Each portal presents that information differently and may ask additional questions. The workflow needs instructions for those differences and a clear stopping point when a required answer is missing.

For quote automation, you want a result that an agent can use to compare offers. The returned record should include the carrier, quote reference, premium, coverage limits, deductibles, effective dates, and the carrier’s current status where available. A request awaiting underwriting review belongs in the results with that status. This gives the agent a clear picture of what is ready to compare and what needs follow-up. Skyvern supports structured extraction so you can specify the fields to return.

Independent carrier workflows can run in parallel in Skyvern Cloud. One carrier’s form does not have to wait for another carrier’s submission to finish. Available concurrency, portal response times, and underwriting referrals determine the elapsed time, so measure the workflow with your own carrier panel before promising a turnaround time.

The business value is completing more submissions with less repeated entry while giving agents an organized set of results to review.

Automating document downloads from carrier portals

Document retrieval is a good starting point because the expected result is tangible: the correct file attached to the correct client record.

Declarations pages, certificates of insurance, and loss runs can sit behind different menus and date filters. Some documents are available to download immediately. Others require a request before the carrier makes them available.

A configured Skyvern workflow can log in, locate the policy, select the document type and policy term, and download the available file. Include checks for the named insured, policy number, and relevant dates so an older document is not mistaken for the one requested.

You can then apply an agency naming convention, such as ClientName_CarrierName_PolicyNumber_DecPage.pdf, and deliver the file to your agency management system (AMS) or document store through an integration. Skyvern exposes downloaded files for retrieval, and its builder includes file and cloud-storage operations. See the file guide and available workflow blocks.

The destination is part of the workflow. Once delivery is configured, staff can retrieve the document from the client record they already use.

Automating endorsement requests

Endorsements involve a specific policy change, such as adding a vehicle or updating a location. The automation needs the policy identifier, the approved change details, and the requested effective date.

Consider adding a vehicle to an existing policy. Configure Skyvern to find the policy, open the appropriate change request, enter the supplied vehicle details, and review the portal’s summary against the request. Submission can follow the approval process your agency defines.

The result needs to distinguish a submitted request from an issued endorsement. Capture the confirmation reference and carrier status, then retrieve revised documents when the carrier makes them available. If the request is pending, return that status for follow-up.

This is where clear completion criteria matter. Clicking Submit is one action in the process. The agency needs a record showing what the carrier accepted and what remains outstanding.

Handling carrier logins, 2FA, and CAPTCHAs

Authentication is part of setting up a carrier workflow. Skyvern supports stored credentials and several verification methods, including authenticator codes, email or SMS codes, and magic links.

For authenticator-based verification, you configure the TOTP secret so Skyvern can generate codes. For email or SMS verification, codes can be passed through an API or retrieved from an endpoint you configure. The setup depends on how the carrier authenticates your account.

Skyvern Cloud also supports automatic CAPTCHA solving, with manual takeover when a challenge cannot be completed automatically. Self-hosted deployments use manual intervention for CAPTCHAs. Test the actual login flow when configuring each portal.

How to build a carrier portal workflow in Skyvern

I recommend starting with a simple recurring task whose result your team can verify quickly. For example, downloading a declarations page.

In the Skyvern agent builder, the setup follows the same sequence as the work:

1. Define the inputs: carrier portal URL, policy number, named insured, and requested policy term. Connect the account’s credentials and verification method.
2. Add the browser steps: log in, find the policy, and navigate to its documents. Describe the task and the information needed to complete it.
3. Specify the document: select the declarations page for the supplied policy and term, then download it. Return an explicit result if it is unavailable.
4. Check and deliver the result: verify that the file matches the request, apply the naming convention, and send it to the configured destination.
5. Test representative cases: include an available document, a missing document, and a policy with multiple terms. Review the returned results before scheduling repeated runs.

Skyvern provides blocks for browser tasks, login, extraction, file operations, and HTTP requests. Those let you connect the portal work to the systems your agency uses.

Frequently asked questions

Does the carrier need to provide an API?

Browser automation can perform tasks through the portal interface without a carrier API. An API may still be useful for supplying client data or delivering the result to your AMS. The setup depends on which systems expose the operations you need.

Can we reuse a workflow across carriers?

You can reuse the task structure and common input fields. Each carrier still needs its own credentials and testing, and may require different questions, instructions, or completion checks. Skyvern’s ability to interpret pages reduces the need to encode every navigation step separately.

What happens when a carrier changes its portal?

Skyvern can interpret labels and context after some layout changes. Changes to required information or the business process may require workflow updates. Keep checking completion and returned results as portals evolve. Our reliability guide explains how to define success and handle incomplete runs.

How long does implementation take?

The scope depends on the login method, number of portals, required inputs, exceptions, and destination systems. Begin with one task and one carrier to establish those requirements, then expand using what you learn. A working pilot gives you a basis for estimating the remaining rollout.

Bring us a carrier portal and a task your team repeats. We can work through the inputs, browser steps, and expected result with you. Book a Skyvern demo to discuss automating that workflow.