Who signs in / Carriers
Quote, rate, bind, bill — then handle the loss
Claims, policy administration, underwriting, rating, premium billing and producer management in one place, with policy, premium and claim reading one record rather than three systems in a nightly handshake.
A claim always sees its policy and a policy always sees its claims. The integration tax between a policy system and a claims system is the thing that goes away.
The question this answers
What does one record actually change for a carrier?
The adjuster reads the policy record from inside the claims system — insured, locations, coverages — without being able to change it and without ever seeing producer commissions. Underwriting, producers and billing work the same policy: a quote creates the draft, accepting binds it, endorsements become dated versions, and billing invoices from its rating runs.
The lifecycle in one platform
Submission to recovery
01
Underwriting and Policy
Submissions read from email, paste, spreadsheet or agency systems; your own appetite rules; rating from your published rate book; binding within each person’s authority; every endorsement a permanent dated version.
02
Premium and Delinquency
Schedules proven to the cent, a ledger that records money and never holds it, a nightly ladder on the notice periods you enter, and Cancel-for-Cause across two desks.
03
Distribution
Agencies, producers and licenses, commission schedules set only by you, and a producer license check at the moment of binding.
04
Claims
Every intake channel into one inventory, reserves per coverage line within authority, payments checked for sanctions and payees, and statutory clocks from your statute book.
05
Recovery and Reporting
Subrogation, salvage and deductible recovery netting off incurred, with analytics, bordereaux and curated datasets for your own tools.
The carrier questions
What a carrier evaluation actually turns on
Feature lists rarely decide these deals. These questions usually do.
Whose Rates?
Yours. We ship no rates, no appetite rules, no binding limits and no payment plans
Can A Premium Be Explained Years Later?
Every rating run is kept with its full step-by-step trace
Who Can End A Policy?
Two desks, and a second signature at or above your exposure line — every referral if no line is set
Does Money Pass Through Waypoint?
No. Premium is paid to your own accounts; Waypoint is the ledger
Can We Have Our Own Database?
Enterprise carriers get a dedicated core database
Where we are honest
Where we are not the safe choice
A carrier replacing a core system is making a decade-long decision, and there are buyers we should not win.
A Person Switches Regions
There is a standby region with continuous replication, but the switch is a checklist a person runs on an alarm.
Young Platform
A 99.9% uptime target rather than a contractual SLA, no customer offboarding yet, and a small on-call team. All true, all stated.
Migration Is A Project
Moving a live book from a legacy system runs through six checked lanes and standard templates. It is still heavy work, and we will say so.
Read next
Start with the security pack
Read the section listing where we are weaker. If those gaps are disqualifying, we would both rather know in week one.