Platform
Full capability catalog
Everything organized by the seven themes that matter to a non-standard auto operation. No roadmap labels, no promised futures — just what the engine does today.
Filing-driven product control
Carrier → program → state → product → version. Immutable once published, effective-dated so new business and renewals rate on the right filing.
- Organizations: carriers, MGAs, agencies, and producers with appointments and licenses.
- Multi-state filing model: each state configured, tested in a sandbox, and ingested as a filing before it goes live.
- Product versions with draft, review, publish, supersede, and archive lifecycle.
- Rate tables, underwriting rules, territories, ZIP-to-territory assignments, and coverage options as versioned config.
- Forms, questions, and attestation workflows tied to the product version.
- Effective-dated filing selection so rating always uses the correct published version.
Quote to bind, without a hand-off
Guided quote, application, attestations, payment, and issuance in one continuous flow.
- Multi-step quote wizard with applicant, driver, vehicle, coverage, and review screens.
- Server-side rating engine with deterministic traces and calculation steps.
- Application staging with revision tracking and prefill.
- Attestations, e-signatures, and underwriting referral reasons.
- Payment plan selection and down-payment collection.
- Automated policy/term/coverage/charge creation at bind with preserved quote versions.
Every distribution channel on one engine
Independent agents, captive agents, carrier/MGA direct, and embedded partners all book to the same policy record.
- Staff portal for MGA underwriting, customer service, accounting, and product administration.
- Agency portal with branded landing pages, agency numbering, and commission visibility.
- Direct-to-consumer rapid quote flow with ZIP lookup, vPIC vehicle catalog, and lead capture.
- Embedded partner links with channel attribution and authority limits.
- Separate front doors, shared rating rules, shared policy record.
Money that reconciles
Separate premium and cash ledgers, daily earning, installment schedules, and audit-trail reversals.
- Premium transactions stamped with coverage, carrier, program, state, filing, filing version, producer, treaty, and effective date.
- Daily earning schedule with deterministic penny-balancing.
- Installment schedules that combine premium and installment fees by due date.
- Cash application with FIFO payment allocation.
- Equity protection and cancellation/reinstatement math.
- Endorsement proration with reverse-and-rebook for out-of-sequence changes.
The whole policy life
Endorsements, cancellation, reinstatement, renewals, notices, and reinstatement — all driven by reason and date.
- Endorsement reasons with term-bound date guards and proration.
- Cancellation and reinstatement workflows with statutory notice dating.
- Automated renewal offers, billing, and runs with sequential term numbering.
- Mail queue with weekend-aware dating, proof-of-mailing, and idempotent queuing.
- Notice and equity watchdog with alerts.
- Full policy timeline, documents, and schedule views.
Lead management and growth
Capture, route, and prioritize leads from every channel with enrichment and AI analysis.
- Lead intake from D2C rapid quote, agency links, and direct referral.
- Routing and follow-through workflows shaped to the customer's sales process.
- Data enrichment and AI analysis to score and prioritize opportunities.
- Customer portal with masked PII, payment history, and document access.
One core. No clones. No drift.
Every licensee runs the same accounting and statistical engine. Features toggle; the source of truth never forks.
- Single source of truth for accounting, statutory reporting, and reinsurance.
- Feature toggles per licensee without code branches or cloned instances.
- Multi-tenant architecture with licensee isolation, role-based access, and Row-Level Security.
- Server-enforced access control: identity comes from the session, never the client.
- Encrypted PII storage and masked customer views.
Want to walk through the catalog live?
We will show you the engine against your actual use cases — not a generic demo deck.