The Platform
A production-ready rating engine and policy lifecycle foundation. Fork it, extend it, deploy it to your infrastructure.
Architecture
An API-first FastAPI service with two core domains: Rateflow for systematic rating orchestration, and a Charge Calculator for premium computation with overrides, proration, and short-rate. Supporting services handle AI, price comparison, financial transactions, and transaction storage. All source code included.
The Developer Workflow
Your team works directly in the source code. No admin screens, no configuration wizards, no tickets to a vendor.
Fork & Own
Fork the repository into your own GitHub or GitLab. Full Python source, full test suite, full documentation. It’s your codebase from day one.
Extend with AI
Point Claude, Copilot, or Cursor at the codebase. Add rating algorithms, modify workflows, build integrations. AI copilots understand the architecture because the code is clean and well-structured.
Deploy Anywhere
Deploy to AWS, Azure, GCP, or your own data center. Docker-ready, cloud-native. Pull platform updates into your fork as the core evolves.
Complete Policy Lifecycle
Not just rating. Full policy transaction support from new business through renewal.
New Business
Full new business quoting and rating with multi-coverage, multi-entity support.
Policy Changes
Midterm endorsements with automatic proration and financial transaction computation.
Cancellations
Flat and pro-rata cancellations with short-rate calculations and offset generation.
Out-of-Sequence
Out-of-sequence cancellations and changes with proper financial reconciliation.
Renewals
Renewal processing with prior-term comparison and rate change analysis.
Rating Engine Capabilities
Every component is production-tested and built for the complexity of real insurance programs.
Multi-LOB Rating Engine
General Liability, Workers Compensation, Commercial Auto, Commercial Property, and Excess Liability. Each line has its own orchestrator, algorithms, and data providers, all sharing a unified rating model.
Product-specific orchestration patterns handle the nuances of each line. GL uses two-phase coverage-then-line rating. WC uses four-phase charge generation through line aggregation. Sample implementations included as working references.
Deep Excel Integration
Your underwriters live in Excel. CovCloud meets them there. Rating tables are CSV-native with schema validation. Import existing loss costs, factors, and class code tables directly.
No manual re-entry, no translation errors. Excel raters integrate into your underwriting workflows without compromising data integrity or auditability.
AI-Accelerated Development
Full source access means AI coding copilots work directly in your codebase. Use Claude, Copilot, or Cursor to add features, modify algorithms, and build integrations.
Built-in AI service for natural language transaction modifications. But the real power is that your entire rating platform is AI-accessible code, not a locked SaaS you can’t touch.
Edition-Based Versioning
Pin specific table versions and algorithm versions to rate filings. Switch editions by date. Full traceability from policy to the exact data and logic that produced the premium.
Editions bundle table bindings and algorithm versions into dated, selectable configurations. At rating time, the correct edition is resolved automatically by policy date.
Charge Calculator
A composable premium calculation engine that handles overrides, minimum premiums, proration, short-rate, and target rate allocation across charges and segments.
Protocol-based abstractions make it extensible. Segment-level calculations with charge-level and ratable-level adjustments. Net effective rate computation at every level.
Financial Transactions
Automated computation of offsetting and onsetting financial entries between current and prior transactions. Clean ledger entries for midterm changes and cancellations.
Entity-level matching, segment-level delta computation, and automatic onset/offset generation. Handles the complexity of midterm endorsements with precision.
E&S Specialty Features
Quota share, split layers, ventilated layers, ground-up rating. AP/RP overrides, rate-capping, premium targets, and charge suppression.
Target rate allocation across charges, charge suppression via configuration, and flexible override mechanisms at every level of the rating hierarchy.
Price Comparison & Analysis
Compare pricing between transactions with entity matching and delta analysis. Risk-level comparison that extracts per-exposure metrics and computes charge-level deltas.
Built-in comparison tools for renewal analysis, competitive benchmarking, and rate change impact assessment. Visual delta reports with percent-change breakdowns.
Technology Stack
Modern, proven technologies. No proprietary runtime, no vendor lock-in. Your engineers already know this stack.
See the platform in action
We'll walk you through the rating engine, the developer workflow, and how the fork model works in practice.