Who we help / Carriers
Quote, rate, bind, bill — then handle the loss
Administer the book on your own paper and run claims against it, with policy, premium and claim reading one record rather than three systems in a nightly handshake.
The integration tax between a policy system and a claims system is paid every day, mostly in reconciliation and in coverage questions answered from stale data.
Walk the full lifecycleWhat does one record actually change for a carrier?
The adjuster verifying coverage reads the policy version in force at the loss date directly, not an extract from last night. There is no sync window, no reconciliation job whose failure is invisible, and no argument about which system is authoritative.
Submission to recovery
The lifecycle in one platform
- 01
Underwriting and policy
Submission, rating against your filed book, binding with authority enforced, and versioned policies that remember every endorsement.
- 02
Premium and delinquency
Schedules proven to the cent, a ladder configured per state, and Cancel-for-Cause that crosses two desks before coverage ends.
- 03
Distribution
Producers self-serve their book and statements; appointment and license state gate placement at the point of quoting.
- 04
Claims
Four intake doors, verified coverage at notice, reserves the database keeps honest, and statutory clocks computed per jurisdiction.
- 05
Recovery and reporting
Subrogation and salvage netting off incurred, with analytics that drill from a panel to the claims underneath.
The carrier questions
What a carrier evaluation actually turns on
Feature lists rarely decide these deals. These five questions usually do.
Whose rates?
Yours. We ship no rates and no payment plans
Can a premium be explained years later?
Every rating run records inputs, factors and result
Who can end a policy?
Two desks, and dual signature above your exposure threshold
How is our data isolated?
Application scoping plus forced database row-level security
What is not built?
Listed explicitly — Billing Portal screens are in build today
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.
No automated failover
Recovery is a scripted, verified, timed restore. If your requirement is hot standby, we are not there yet.
Young platform
No published availability SLA, no full customer offboarding yet, and a small on-call team. All true, all stated.
Migration is a project
Moving a live book from a legacy PAS is heavy work. Any vendor calling it an import is not being straight with you.