About CovCloud
We built the rating platform we wished existed when we were delivering insurance technology.
The Problem We Saw
Insurance teams launching new products face a brutal choice: spend 12-18 months building rating infrastructure from scratch, or lock into an expensive enterprise platform built for the admitted market.
The enterprise platforms don't understand the flexibility E&S underwriters need. They force you into workflows designed for bureau rates and standard forms. Building from scratch gives you control, but burns months on foundational engineering before you write a single line of business logic.
We've spent careers building insurance technology platforms. We've seen what works, what breaks, and what underwriters actually need. CovCloud is the third option: a production-ready foundation your team forks, extends, and deploys. Start on your product logic in weeks, not quarters.
How We Think
Code Over Configuration
Rating logic belongs in version-controlled code, not buried in admin screens. Python algorithms are readable, testable, and reviewable. AI coding copilots can work with code — they can’t work with proprietary config UIs.
Insurance-Native Design
We don’t abstract away insurance concepts. Our domain model speaks in terms of entities, coverages, segments, and charges. If you understand insurance, you understand the platform.
Foundation, Not a Box
CovCloud is infrastructure you extend, not a SaaS you’re locked into. Fork the code, own your implementation, and evolve at your own pace. We provide the foundation and continuous updates — you build on top.
The Team
Ken Brower
Founder & CEO
A seasoned software engineer with a track record of helping build two leading insurance technology platforms. Ken has delivered multiple successful solutions across underwriting, policy administration, and rating.
CovCloud is the distillation of that experience: the patterns that work, the architecture that scales, and the deep domain knowledge that only comes from years in the insurance technology trenches.
Let's build something together
Whether you're launching a new program or modernizing an existing one, we'd love to talk.