Policy and premium / Policy administration
The insurance policy that remembers every version of itself
One policy record from bind to renewal. Every endorsement is a permanent dated version, renewals are drafted for you but bound by a person, forms attach by your own rules, and certificates print only from what is actually in force.
An as-of date resolves what the policy said on any day — so a claim dispute about the terms on the date of loss is a lookup, not paperwork archaeology.
The question this answers
What exactly did the policy cover on the day of the loss?
Pick the date. The version history shows each version’s effective date, reason, insured, term and coverages with their limits and deductibles, and the as-of picker resolves what the policy said on that day. Endorsements may be backdated, and as-of resolution keeps the answer honest.
The policy lifecycle
Only these moves exist
01
Draft, Bound, In Force
A quote creates the draft; accepting binds it; putting it in force makes it live. Anything other than the allowed moves is refused, and cancellation needs a reason.
02
Endorse Creates A Version
Give the effective date, the reason and only what changes. Every endorsement is a permanent dated version; nothing is overwritten.
03
Renewals Drafted, Never Bound
A nightly sweep drafts each renewal entering your window — structure copied, premium never copied — and leaves it invisible to claims until a person binds it.
04
Forms By Your Rules
Mandatory forms attach by your own rules for policy type, state and coverage. Generated documents are frozen snapshots from a named version.
05
Certificates From What Is In Force
A holder register, and certificates printed from the version in force on the day. A holder is named additional insured only when that version carries them by name.
What the claim side reads
One policy record behind every portal
Underwriting, producers, billing and claims work the same policy, so a claim always sees its policy and a policy always sees its claims.
Premium
Never typed — written only by a rating execution, with “not rated” shown rather than zero
Money Panel
Rated premium, taxes and surcharges line by line, earned premium to a date, and loss ratio
Claims Staff
Read the full policy record from inside the claims system, with commissions kept out of sight
Cancellation Notices
Where a version carries a notice-of-cancellation term, cancelling writes a notice to every certificate holder
Agent Of Record
Moving it needs a reason, names both agencies and is audited; the book and its commissions follow the agent of record on each date
Your Paper
Form templates are your organization’s own text. The platform ships none and authors none.
Your Products
States, coverages, limit and deductible options and questions live in the product designer, and a published version is never edited.
Licensed Layouts Need Your Licence
Certificates print in the forms standard’s layouts only while your organization’s own licence is recorded and current.
Read next
Bring a policy with three endorsements
One that changed mid-term. Ask what it covered on a date between the second and third change — and see how long the answer takes.