Digital vs. offline: the two ways to market a submission

Answers: What's the difference between digital and offline marketing? When do I use each? How do offline markets end up in my comparison and proposal? Do both paths work for the same submission?

The platform is built around two marketing paths that end in the same place: every quote, from every source, on one submission. Digital carrier connections carry the markets on your panel; the offline path carries every other market you want to approach.

Path 1: Digital — Go to Market

For carriers on your panel with digital connections. When you click Go to Market, the platform sends the account information on the submission directly to each selected carrier. The carriers rate the risk and return their quotes digitally, and those structured quotes land in the Quotes section of the Market Details tab with statuses, terms, and documents. This is the fast path: minutes to quotes for auto-rated risks.

Path 2: Offline — market it yourself, upload the result

For everything else: carriers without digital connectivity supported, wholesaler placements, incumbent renewal quotes, or any situation where you want to negotiate specific terms or updated details directly with an underwriter.

You market the account the way you always have — email to your underwriter or wholesaler contact, or their portal. When the quote comes back (usually a PDF), upload it to the submission as an offline quote. The platform extracts the carrier, premium, limits, retentions, sublimits, and subjectivities, and the quote takes its place alongside the digital ones in the Quotes section of the Market Details tab. See Adding offline quotes.

Use both on the same submission

This is the normal pattern, not the exception — especially on renewals, where the incumbent's renewal terms arrive offline while the remarketing quotes arrive digitally. A submission can hold any combination — digital remarketed quotes, offline wholesaler quotes, an offline incumbent quote — all comparable and all available to the proposal generator, so even the most complex placements stay in one place.

Why bother uploading offline quotes?

Three payoffs:

• One comparison. In the platform, digital and offline options sit side by side in the same quote comparison — no hand-built Excel comparison.

• One proposal. In the exportable PowerPoint proposal, the generator includes offline quotes as columns like any other quote — no re-keying the offline option into your deck by hand.

• One record. The submission becomes the home base for everything about the account — every market you approached, every quote and decline that came back, and the documents behind them — one comprehensive record in one place.

The honest cost: the upload is a new habit, and it pays off at proposal time rather than the moment you do it. If you skip it, nothing breaks — you just rebuild the offline quote manually in the proposal, which is the hour this feature exists to delete.