The rating platform built for P&C MGAs.

Why MGAs choose RateFlow

RateFlow replaces the spreadsheet-and-PDF workflows that MGAs accumulate across commercial auto, general liability, property, and cyber programs. Every factor that goes into a quote is auditable, every filing maps to the state and carrier it belongs to, and every broker sees only what their appointment allows.

Multi-line rating engine

Rate commercial auto, general liability, property, cyber, and more in a single engine. State-specific rules, ISO loss costs, and carrier LCMs are applied consistently, with full transparency into every factor that went into a quote.

Broker portal

Give producers and retail brokers a secure, branded portal for submissions, quoting, and mid-term servicing — without giving up control of the underwriting guidelines.

Workflow & lifecycle

• Submission: capture applicant data, eligibility, and supporting documents.
• Rate & Quote: multi-line engine generates terms with full factor traceability.
• Bind & Issue: one-click bind with dec pages, endorsements, and forms.
• Renew & Service: renewal tracking, mid-term endorsements, and audit trail.

Built for regulated carriers

• Multi-line engine — commercial auto, GL, property, cyber, and package rating in one system, with ISO loss costs and carrier LCMs applied consistently.
• Broker portal — producers get a branded submission experience without touching underwriting guidelines.
• Full audit trail — every rating decision, endorsement, and user action is recorded for SOC 2 and state-filing review.
• Role-based access — platform admin, MGA admin, analyst, and viewer roles with MFA-ready authentication.

Compliance & controls

Role-based access control (admin, analyst, viewer), MFA-ready authentication, full audit trail on every rating decision, and SOC 2–aligned controls. Built for regulated carriers and the MGAs that partner with them.

Interested in a deeper walkthrough? Reach out to our team.