Platform
Everything you need to run an insurance program
From AI-powered program building to policy lifecycle management -- every tool, built in. No bolt-ons, no per-seat fees, no hidden costs.
Build with AI
Go from a blank page to a fully configured program in minutes.
AI Program Builder
Describe your line of business, states, class codes, and rating approach in plain English. AI generates the complete program -- forms, rating logic, workflow rules, and document templates. Dual-AI architecture: one model builds your program, another provides real-time chat assistance.
Document AI
Upload ACORD forms, rate manuals, carrier filings, or submission packets. Our extraction pipeline pulls every field -- checkboxes, tables, handwritten annotations -- and maps them directly to your program schema. Review confidence scores and approve before anything goes live.
Supplemental App Builder
Generate professional application PDFs directly from your program schema. Branded with your logo and colors, intelligently grouped by section, with built-in signature blocks. Send to agents for manual completion or use as a backup to the digital portal.
Rate & Quote
Deterministic, auditable rating with full configurability.
Deterministic Rating Engine
Full rate tables supporting 1,000+ class codes, territory factors, limit/deductible multipliers, experience mods, and multi-table lookups. Minimum premiums, automatic submit-to-underwriter thresholds, and formula-based calculations -- all version-controlled.
Fees & Taxes
Configure policy fees, broker fees, inspection fees, and filing fees with min/max caps. 50-state surplus lines tax rates, stamping fees, and fire marshal fees with bulk import. Mark fees as taxable, commissionable, or editable by underwriters.
Address Validation
Google Places autocomplete and geocoding built into every portal. Validates addresses before quoting to ensure accurate territory and jurisdiction rating. Usage-metered with full audit trail.
Payments & Signatures
Collect premium and signatures without leaving the platform.
Stripe Connect
Collect premium via credit card or ACH with Stripe Connect destination charges. Funds route directly to your connected Stripe account. Full Express dashboard for payout management, refund processing, and return premium handling.
E-Signatures
Embedded document signing via SignWell, integrated directly into the bind workflow. Server-side verification ensures policies are only bound after verified signature completion -- no client-side bypass possible. Bring your own provider, or use ours.
Billing Pool & Usage
Prepaid balance for per-transaction fees with configurable auto-refill thresholds. Full usage dashboard shows every transaction with date, type, and amount. Set up alerts for low balance. Stripe SetupIntent for saved payment methods.
Deploy & Distribute
Get your program in front of agents in one click.
Branded Agent Portals
One-click deploy to a branded subdomain with your logo, colors, legal language, and terms of service. Built for your internal underwriting team, your retail agency network, or both with role-based access. CAPTCHA protection and MFA enforcement.
Test + Live Environments
Every program ships with two fully data-isolated environments. Build and test indefinitely for free -- billing only starts when you flip a program to live. Partners embedding test programs see test-mode data; live deployments are production-only. No accidental contamination.
Third-Party Integrations
Visual Integration Builder for connecting any REST API -- CoreLogic, ePayPolicy, IPFS, premium finance providers, or your own internal systems. Runtime hooks at quote, bind, and issue. Your keys, your endpoints, no extra charge.
Developer Platform
Build ESRating into your existing stack with iframes, webhooks, and a full REST API.
Embedded Portals
Drop ESRating into your own branded site via iframe and a signed HS256 JWT -- agent logs in on your domain, the quote flow runs inside yours. Partners ship embedded quoting in ~20 lines of code. Includes auto-provisioning, per-deployment origin locks, nonce anti-replay, and postMessage events for parent pages to listen to.
Webhooks
Subscribe to every lifecycle event -- quote.created, quote.quoted, payment.succeeded, signature.completed, quote.bound, policy.issued, endorsement.issued, policy.cancelled. HMAC-SHA256 signed, 3-attempt retry with backoff, full delivery log with replay. JWT metadata round-trips into every payload so partners can tie our records to theirs.
REST API
Every deployed program includes a full REST API -- quote, bind, issue, endorse, renew, and cancel programmatically. API key management with SHA-256 hashing, rate limiting, and an interactive "Try It" console built into every portal.
Policy Lifecycle
Complete lifecycle management from first quote to final cancellation.
Full Lifecycle
Quote, bind, issue, endorse, renew, and cancel -- all built in. Pro-rata and short-rate return premium calculations with automated Stripe refunds. Sequential endorsement numbering. Renewal notices automatically sent at 60, 30, and 15 days before expiration.
Document Generation
AI-generated quote letters, binders, certificates, and policy documents via Puppeteer PDF service. Upload carrier forms (CG 00 01, dec pages, ACORD forms) and use the visual Document Builder for pixel-perfect field stamping with pdf-lib.
Number Sequences & Versioning
Atomic, block-aware quote and policy numbering with carrier-assigned range support. Schema versioning captures the exact program version at quote time and uses the correct version at issuance -- guaranteeing rate consistency.
Manage & Report
Real-time visibility into every aspect of your program.
Analytics & Bordereaux
7 real-time KPIs, premium-by-month and premium-by-state charts, bind ratios, top producers, and CSV export. Full 20-column bordereaux in standard carrier format. Filter by program, date range, or state.
Multi-Tier Commissions
MGA, wholesale broker, retail agency, and agent commission splits. Separate new business and renewal rates. Auto-calculated at bind and issue with state-specific overrides and premium tier sliding scales. Full commission entry audit trail.
Enterprise Security
MFA with TOTP authenticator and SMS options, enforced on deploy and publish. Tamper-proof audit trail with HMAC integrity and before/after JSON diff viewer. Encrypted credential vault (AES-256-GCM). API key management with SHA-256 hashing. Portal auth with bcrypt, password reset, and CAPTCHA.
Ready to build your first program?
Free forever in test mode. Full platform access. No credit card required.