Platform engineering
Building the rating capabilities that implementation teams depend on, including calculation transparency and testing the impact of rate changes.
About CovCloud
Built from the work insurance implementations keep repeating.
Product rules get translated, by hand, into spreadsheets, rating engines, policy systems, and analytics, and translated again at the next change. We are building CovCloud to capture that knowledge once and carry it from one project to the next.
Our background
P&C platform engineering & carrier implementation
We bring more than 25 years of experience building P&C platforms and implementing them at carriers.
Our experience spans policy administration platform engineering, including rating worksheets and rating impact testing.
We have worked across a dozen carrier engagements spanning personal, commercial, and workers' compensation lines.
Our delivery experience includes production E&S implementations, external rating integrations, and renewal rate and premium comparisons across policy systems. This experience informs the CovCloud workbench we are building.
Experience on both sides of the implementation.
Carrier delivery
Turning complex E&S rules, negotiated pricing, and external rating integrations into working carrier implementations.
Reconciliation and change
Reconciling premium results across systems and supporting subsequent product changes.
The direction for CovCloud
We capture product and transaction knowledge in a model the carrier owns. Your rater supplies the rated premium; CovCloud applies negotiated pricing rules and factors from your own models. AI helps draft product definitions for expert review, while deterministic calculations execute the approved rules.
We are building an E&S rating workbench for General Liability, Commercial Property, Commercial Auto, Inland Marine, and follow-form Excess Casualty. It brings together pricing indications, rate and premium comparison, customer-model pricing factors, policy administration integration, and Excel rater conversion. We measure the value of the underwriting workflow and how much work is reused when the next product or change arrives.
Product knowledge becomes easier to reuse, pricing decisions easier to trace, and system changes easier to verify.
Why now
Carriers are building more of their own applications, often with AI coding tools, so more systems have to agree on the same insurance product. Without a shared model underneath, each new application adds its own integrations and its own version of the product.
Rating and pricing are moving out of the policy administration core into external engines and services. The connections between systems, and the checks on them, now decide how much a product change costs and how long it takes.
AI has lowered the cost of reading rules out of spreadsheets, configuration, and code into an explicit model that experts review and software runs. The scarce skill was always translating between insurance knowledge and system knowledge. More of that translation can now live in the model instead of in one specialist.
Let’s talk about your E&S program.
Tell us where disconnected spreadsheets and policy-system customizations slow your E&S team down. We scope a pilot around your program, rater, and underwriting workflow.
Discuss your project