For E&S MGAs, Carriers & Program Administrators
Launch a full insurance program in a day, not six months.
ES Rating uses AI to quickly build your portal, rating logic, and integrations. Full policy lifecycle management -- rate, quote, bind, issue, endorse, renew. Deterministic at runtime.
Free forever in test mode · Pay only when you go live
See it live · Two embedded portals running on this page
Full lifecycle — quote, bind, pay, issue, renew
Many models, all configurable to your portal and distribution needs — internal, agent-facing, client-facing, or public. You can do it all with ES Rating.
Embed in ~20 lines of code, or distribute across agencies, marketplaces, and lenders via the partner program.
Why ES Rating
The old way vs. the new way
Traditional insurance platforms require massive budgets and long timelines. We don't.
Traditional Platforms
ES Rating
Implementation
6-18 months
Setup cost
$100K - $500K+
Monthly cost
$10K - $50K+
Team required
IT + consultants
First quote
Months away
Based on publicly available pricing and implementation timelines from legacy insurance platforms.
How It Works
From idea to live portal in five steps
Describe
Describe your program
Tell ES Rating your line of business, states, class codes, underwriting rules, and rating approach in plain English. Or upload rate manuals and spec sheets. Document AI extracts and maps everything automatically.
Build
Generate your rating engine and workflows
AI generates rating logic, forms, rule sets, workflows, and document templates. Supports thousands of class codes, territory factors, and multi-table lookups. Review, edit, and version everything before launch.
Configure
Configure documents, signatures, payments, and integrations
Set up documents with the visual builder. Connect Stripe, Google, CoreLogic, ePayPolicy, or any REST API using your own credentials. Configure e-signatures, address validation, and premium finance through the Integration Builder.
Deploy
Launch your portal
Publish a branded agent portal, give your internal underwriting team access, or connect via REST API. Enable AI-assisted submission intake for applications and supplemental forms.
Operate
Run the full policy lifecycle
Quote, bind, issue, endorse, renew, and cancel. Track analytics, export bordereaux, manage commissions, and generate documents from your own forms or AI-assisted templates.
Platform
Everything included, nothing extra
Every tool you need to run a complete program -- built in, not bolted on.
Deterministic Rating
Full rate tables, 1,000s of class codes, territory and limit factors
Embedded Portals
Drop ESRating into your own branded site via iframe and JWT. ~20 lines of code
Webhooks
HMAC-signed events for every lifecycle stage. Auto-retry, replay, full delivery log
REST API
Every deployed portal includes a full REST API. Quote, bind, issue, and more programmatically
Stripe Payments
Collect premium via card or ACH. Destination charges to your account
E-Signatures
Embedded signing. Policies bound only after verified completion
Document AI
Upload submissions or ACORD forms. AI extracts and maps to your fields
Third-Party Integrations
CoreLogic, ePayPolicy, IPFS, or any REST API. Your keys
Upload Your Forms
Carrier forms, ISO forms, dec pages. Visual field placement tool
Full Policy Lifecycle
Quote, bind, issue, endorse, renew, cancel with pro-rata calculations
Reports & Bordereaux
Premium dashboards, bind ratios, CSV export, commission summaries
Address Validation
Google Places autocomplete and geocoding in every portal
Multi-Tier Commissions
MGA, broker, agency, agent splits. Auto-calculated at bind/issue
Enterprise Security
MFA, tamper-proof audit trail, encrypted vault, API key management
Prefer to hand it over? We'll build it for you.
Send us your rating manuals, document requirements, and program specs. Our team builds the whole thing end-to-end — forms, rating logic, endorsements, policy documents, portal configuration, and deployment. Priced competitively, delivered in days.
Ready to see it in action?
Book a 20-minute demo and we'll walk you through a live program build. Or jump in and try it yourself -- free forever in test mode.