For E&S MGAs, carriers, and program administrators
From rate manual to live quoting portal in hours, not months
Build deterministic rating engines, agent portals, and policy workflows, with AI accelerating setup.
AI builds it. Deterministic logic runs it.
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
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.
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.