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 recorded with it, every filing maps to the state and carrier it belongs to, and each producer sees only the quotes they created and the policies bound from them.

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.
• Change history — quotes, policies, endorsements, and rate-table versions are change-logged for state-filing and internal review.
• Role-based access — separate admin, manager, underwriter, and producer roles.

Compliance & controls

Role-based access control and change logs on quotes, policies, and rate-table versions. Built for regulated carriers and the MGAs that partner with them.

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