Underwriting operations

Run rating, underwriting, and policy issuance from one risk record.

For commercial MGA teams, RateFlow keeps filed logic, approvals, forms, and policy data together, so you can quote, bind, issue, and service business without rekeying the risk.

Request a working session See the 89-second tour
RateFlow MGA dashboard with written premium, bind ratio, active policies, open quotes, and loss ratio tiles.
Commercial auto quote with liability, physical damage, and UM/UIM schedules rated in real time.
Forms Review modal showing mandatory forms, UM/UIM forms, and optional endorsements.
Policy detail page with policy information, named insured, and exposure summary.
Analytics view with quote-to-bind funnel, premium by product line, and premium by state.
Exposure map with seismic, wildfire, and flood hazard layers overlaid on active policies.
Portfolio overview
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Platform

Rating, forms, and policy operations stay connected.

Each step uses the same risk data and keeps the decisions behind it visible.

Filed rating

See the rule behind every premium.

RateFlow applies filed factors and state-specific rules while keeping the inputs, deviations, minimums, and exceptions visible in the quote. Underwriters can review how the premium was built without rebuilding the calculation elsewhere.

  • Filed factors and state exceptions shown with the calculation
  • Minimum premiums and deviations surfaced before bind
  • Coverage selections and premium output kept with the risk
Commercial auto quote showing coverage selections, filed rating factors, and premium output.
Rate & Quote — factors, coverages, and premium in one view
Underwriting & forms

Build forms from the policy data already approved.

Required forms, coverage schedules, and optional endorsements come together from the bound risk. The team can review state-specific requirements before the policy packet is assembled.

  • Mandatory forms grouped for review
  • UM/UIM selections tied to the relevant state and vehicle
  • Optional endorsements reviewed before issuance
Forms review showing mandatory forms, UM/UIM selections, and optional endorsements before issuance.
Forms Review — required forms and endorsements before issuance
Issue & service

Carry the bound risk into issuance and service.

The approved quote becomes the policy record. Insured details, exposures, coverages, forms, and decision history remain together for issuance, endorsements, and renewal.

  • Policy details populated from the approved risk
  • Issued forms and approvals kept with the policy
  • The same record supports policy changes and renewal
Bound policy record showing insured, coverage, premium, dates, and exposure details.
Policy — insured, coverage, and exposure details together
How it works

One risk, from submission through service.

  1. Submission

    Capture the applicant, exposures, and eligibility once.

  2. Rate & Quote

    Apply filed logic and show the inputs behind the premium.

  3. Review & Bind

    Confirm terms, approvals, and required forms.

  4. Issue & Service

    Create the policy record and carry it into endorsements and renewal.

See one commercial auto risk move from intake to bind.

Working session

Put one of your real submissions through RateFlow.

Bring a representative risk. We'll walk it through rating, underwriting, forms, and issuance with your team, then discuss the data, integrations, and rollout needed for your operation.

  • 30-minute working session with our team
  • Use your class, state, limits, and coverage structure
  • Discuss data, integrations, and rollout directly

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