Build insurance on a
modern rating platform
Fork the repository, extend it with AI coding tools, and deploy your own insurance products on a flexible rating engine and policy lifecycle foundation.
Unlike SaaS policy systems, your team can modify the platform, add new capabilities, and evolve it as your products grow.
Complete Policy Lifecycle Support
Why CovCloud
Start with a working insurance rating platform instead of building one from scratch.
Developer Freedom
Fork the repository and control your own implementation. No vendor gatekeeping, no change-order processes. Your engineers — and AI coding copilots — work directly in the source.
- Full Python source — readable, testable, version-controlled
- Point Claude, Copilot, or Cursor at the codebase and ship features
- Extend rating logic, UI, workflows, and integrations your way
AI-Accelerated Customization
Modern AI coding assistants understand your codebase. Teams use them to modify rating algorithms, build integrations, and add new lines of business in days instead of months.
- AI-assisted algorithm generation and rule translation
- Natural language transaction modifications built in
- Your team’s velocity multiplied, not bottlenecked by a vendor
Production-Ready Architecture
This isn’t a prototype or a starter kit. It’s a fully functional rating engine with complete policy lifecycle support already running in production.
- New business, policy changes, cancellations, and renewals
- Out-of-sequence cancellation handling
- Financial transaction computation with automated onset/offset
Insurance-Specific Foundation
Unlike generic frameworks stretched to fit insurance, CovCloud was built from day one for the complexity of E&S and specialty rating. The domain model speaks your language.
- Excess layers, quota share, ventilated layers, ground-up rating
- AP/RP overrides, rate-capping, premium targets
- Multi-LOB: GL, WC, CA, CP, and Excess lines
Who It's For
Built for teams that move fast and want to own their infrastructure.
Insurtech Startups
Launch your first product on a real rating engine instead of spending a year building one. Focus your engineering on what makes you different.
MGAs
Spin up new programs fast. Experiment with lines of business, customize rating logic, and go to market without enterprise platform overhead.
Carriers Launching New Products
Stand up a modern rating stack for new product lines without disrupting your existing systems. Test, iterate, and scale independently.
Engineering Teams
Start with production-grade insurance infrastructure your developers actually want to work in. Python, FastAPI, clean architecture, full test coverage.
How It Works
Three steps from subscription to production.
Fork
Subscribe and fork the repository into your own environment. You get the full source: rating engine, sample lines of business, policy lifecycle support, and a working UI.
Customize
Use AI coding copilots and your own engineers to extend the platform. Add your rating algorithms, customize workflows, integrate with your policy admin system. It’s your code.
Deploy
Ship to production on your own infrastructure. Pull continuous platform updates as the core evolves. Your team owns the roadmap for your fork while benefiting from ongoing improvements.
The Alternative
You have three options for insurance rating infrastructure. Only one gets you to production this quarter.
Build from Scratch
12–18 months
- Full control, but massive upfront investment
- Months of foundational engineering before any business logic
- Hiring, architecture decisions, and infrastructure work
CovCloud
Weeks to production
- Full source code — same control as building in-house
- Skip the foundational months and start on business logic
- AI-extensible, continuously updated, your infrastructure
Enterprise Platforms
6–12 months
- High license fees and long implementation cycles
- Rigid workflows built for admitted markets
- Vendor-dependent for every change and feature
Start with a working platform.
Ship faster.
See what launching on a production-ready rating engine looks like. Schedule a walkthrough of the platform and the fork model.