Build insurance programs in hours, not months
Design, rate, and distribute insurance programs with AI -- for your internal team or your agency network.
Free forever · No credit card · Pay only when you go live
See a PDF turn into a live insurance portal in 30 seconds
How It Works
From idea to live portal in five steps
Describe
Tell AI about your program
Describe your line of business, states, rating approach, and class codes in plain English. Upload existing rate manuals or program spec sheet -- our Document AI extracts, builds rating logic, and maps fields automatically.
Build
AI generates logic & forms
AI generates your complete rating engine with support for 1,000s of class codes, territory factors, and multi-table lookups. Application forms, workflow rules, and document templates -- all in minutes, with full version control.
Configure
Fine-Tune Documents, Signatures, and Payments
Visual Document Builder, add insured info on your documents, or generate them inside here. Connect Stripe for payments, Google for address validation, or any third-party API (CoreLogic, ePayPolicy, IPFS) via the Integration Builder -- using your own keys.
Deploy
Publish your portal
One click to publish a branded quoting portal for your agents -- or use the built-in REST API for programmatic access, or automatic AI application/supplemental drag and drop (if selected). Built for your internal underwriting team or your retail agency network.
Operate
Monitor & manage
Full lifecycle: quote, bind, issue, endorse, renew, cancel. Real-time analytics, bordereaux export, commission tracking, and audit logs. You bring your forms, quote templates, or for quote templates have AI inside generate it for you.
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.
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
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
API Access
Every deployed portal includes a full REST API out of the box
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
Start building your first program -- free
Free forever in test mode. No credit card, no sales call, no commitment. Pay only when you go live.