E&S and Specialty Insurance Rating

We are a startup building an API-first, Python rating and quoting solution with deep Excel integration that breaks out of the traditional admitted market mold.

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Why Choose Us

⚡ Purpose-Built for the E&S Market

CovCloud incorporates features specifically designed to meet the demands of Excess & Surplus lines—where flexibility, speed, and customization are essential.

  • Excess Expertise: Quota share, split layers, ventilated layers, ground-up rating
  • Flexibility: AP/RP overrides; premium and rate overrides; rate-capping; and more
  • Excel-Centric: Leverage your excel raters in your underwriting workflows without compromising data integrity
  • UW Integration: Integrate with leading PAS and UW Workbench platforms

⏱️ Accelerated Time to Market

Time to market is critical in the E&S space. CovCloud's AI-accelerated tools and microservices architecture allow you to rapidly prototype, test, and deploy new rating solutions.

  • Modern Architecture: 100% built and customized Python, using your preferred Python IDE
  • AI Acceleration: Use AI to assist in translating narrative rules into code or formulas
  • Rating Integrity: Test and validate rate changes with version control

🛠️ Built for Insurance Technologists

CovCloud is built by insurance technologists, for insurance technologists. Our founder is a seasoned software engineer with a track record of helping build two leading insurance platforms and delivering multiple successful solutions across underwriting, policy administration, and rating.

💰 A Cost-Effective, Scalable Solution

CovCloud is a startup that understands the unique challenges of E&S insurance. We offer a cost-effective, scalable solution that allows you to focus on innovation without the burden of high licensing fees or vendor lock-in.

  • License-free: Deploy to your own cloud environment with no recurring software licensing fees
  • Low-overhead: We're a lean, experienced team that passes operational savings directly to our clients

How it Works

We make it easy to go from concept to production with a structured, collaborative approach that delivers results fast.

1

Define Your Opportunity

We begin by understanding your product goals, current rating processes, and technology environment. Whether you're launching a new product, refactoring legacy raters, or exploring AI-powered improvements, we align our approach with your underwriting and pricing strategy.

  • Discovery sessions with underwriters and pricing leaders
  • Rapid review of existing Excel raters or rating logic
  • Identification of key pain points and goals
2

Build Your Solution

Using our AI-accelerated tools and microservices foundation, we translate your rating logic into a scalable solution.

  • Prototype and validate logic in Excel or Python
  • Implement custom workflows or integrate with your quote/bind system
  • Apply version control, schema validation, and test automation throughout
3

Deliver and Deploy

Once tested and approved, we work with your team to deploy the solution securely and efficiently.

  • Options for client-hosted or CovCloud-managed deployment
  • Training, documentation, and change management support
  • Ongoing advisory and enhancement services, as needed

See it in action.

Launch a pilot or schedule a tailored walkthrough to experience how CovCloud can transform your rating processes.

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