Rating and underwriting
Your rating rules, in a rater your whole team trusts.
Raters for general liability, D&O and commercial property, built on your rates and guidelines. Every loading explained, every referral routed and every override recorded.
Risk insights · Ridgeline Roofing
Suggested: hot work exclusion, AI endorsement
General liability
Exposure-based rating with class, territory, limits and deductible built in. AI insights read the risk around the application.
- Rates on receipts, payroll or units, with class and territory factors
- The insured's website scanned for operations the application left out
- Contracts reviewed for indemnity and additional insured requirements
- Endorsements suggested to fit the hazards found
D&O · Hartwell Dental Group
FY25 annual report
Directors and officers
Financials and board details pulled from annual reports. Adverse media and board turnover checked before you price.
- Revenue, assets and debt extracted from annual reports
- Directors listed with tenure and turnover
- Adverse media checks on the company and its board
- Industry classification and risk metrics side by side
Accumulation check
Wichita KS · 4% of zone limit
Commercial property
Location schedules rated with COPE data, natural catastrophe exposure and accumulation in view.
- Schedules of values with construction, occupancy, protection and exposure
- Natural peril scores per location
- Accumulation of insured value by area across your book
- Layered and shared placements, with sub-limit loadings
Also in Rating and underwriting
Underwriting with guardrails.
Configurable rates
Base rates, factors and minimums set per product in configuration, not in a spreadsheet.
Referrals
Risks outside an underwriter's authority are routed for sign-off before a quote goes out.
Peer review
A second underwriter reviews and approves, and the review is kept on file.
Decline gate
Declines need a reason, so you can report on what you turned down and why.
Recorded overrides
Technical and charged premium both kept, with who changed it and why.
Loss experience
Claims history loaded and loss ratios worked into the price.
See it with your own submissions.
A 30-minute walkthrough on your lines, your forms and your binders.
Book a demo