Pricing & Quoting

Stop Wasting Hours on Manual Pricing and Quoting

We build custom AI systems that automate risk assessment, rate filing compliance, and proposal generation for your specific workflows.

Get a custom solution

Industry Context

Insurance pricing and quoting is constrained by strict regulatory requirements, frequent rate filings, and complex risk models. Manual processes slow response times, increase errors, and block scalability. An aging workforce and rising customer expectations for instant quotes add more pressure. Carriers that can't automate accurately lose deals and face compliance risk.

By the Numbers

10-20%

premium leakage from manual pricing errors

Swiss Re Sigma, 2024

48 hrs

average time to produce a complex commercial quote

Accenture Insurance, 2025

35%

faster quote turnaround with AI pricing models

McKinsey Pricing, 2024

The Problem

What you're dealing with

Underwriters manually cross-referencing ISO pages, MVRs, and CLUE reports for every submission

Quotes delayed because rate filings haven't been manually updated in all systems

Re-keying application data from PDFs or emails into policy admin systems

Compliance checks done by hand, producing errors and audit exposure

Agents unable to generate bindable quotes outside business hours

The Solution

How it works

We start by mapping your actual rating and underwriting workflows -- not the theoretical ones. Using AI-driven interviews, we capture how your team really uses ISO, MVR, CLUE, and internal rules. We then design a system that automates data ingestion from submissions, applies your rating logic, checks against the latest rate filings, and generates compliant quotes. Our internal tooling lets us build and deploy in weeks. You get a system connected to your policy admin, agency portal, and third-party data sources -- built around your rules, exceptions, and approval workflows. The result: accurate, bindable quotes in seconds instead of days.

Arc

Reads and interprets submission documents (PDFs, emails, forms) and connects to external data sources

POI

Applies your rating logic, compliance rules, and underwriting guidelines to produce accurate, auditable quotes

In Practice

Before and after

Before

An agent emails a PDF application. An underwriter manually rekeys data into the policy admin system, checks ISO, runs an MVR, and calculates rates in Excel. Another underwriter checks compliance. After 2 days, the agent gets a quote.

After

The agent uploads a PDF. Our custom system extracts data, checks MVR/CLUE, applies rating rules, validates against the latest filings, and generates a bindable quote in under 60 seconds. The underwriter only reviews exceptions.

1 Document ingestion and data extraction
2 Automated external data checks (MVR, CLUE, ISO)
3 Application of carrier-specific rating logic and compliance rules
4 Quote generation and delivery via email or portal
5 Exception flagging for manual review when needed

6 weeks

From kickoff to pilot

For a mid-sized P&C carrier automating commercial auto quotes

FAQ

Common questions

How do you handle our proprietary rating algorithms?

We connect to your existing rules -- whether in Excel, SQL, or another system -- and automate their application. We don't replace your logic; we run it faster and more reliably.

What about compliance with state rate filings?

We build checks into the quote process so only approved rates get used. The system can update automatically when new filings are approved.

How long until we see a working system?

We typically deliver a pilot in 4-6 weeks, starting with a subset of lines or regions.

Do we need to change our policy admin system?

No. We connect to your existing systems -- Guidewire, Duck Creek, etc. -- via API. No rip-and-replace.

What if our underwriters don't trust automated quotes?

We build the system so it flags exceptions for human review. Underwriters control the rules and thresholds for what gets automated.