Insurance Rating Engine

PolicyRater

Calculate premiums with precision. Class codes, modifiers, geographic risk, and multi-line rating.

The Problem

Rating engines are black boxes — expensive, inflexible, and carrier-specific. Building a custom rating plan means months of development and testing. Changing a rate takes weeks.

The Solution

PolicyRater is the configurable rating engine for the PolicyEco ecosystem. Multi-line rating, class code lookups, geographic modifiers, and seasonal adjustments — all configurable through the API or visual editor.

How It Works

Risk data submitted from PolicyForm

PolicyRater selects applicable rating plan

Factors applied: class, geography, modifiers

Premium returned to PolicyQuotes

Features

Multi-line rating

Class code engine

Geographic modifiers

Seasonal adjustments

For Developers & Vibe Coders

Rating API that accepts risk data and returns premium calculations with full factor breakdowns. Configurable rating plans with version control.

Part of the PolicyEco ecosystem. Built on the Tawa platform by InsurEco Systems.

Pipeline Position

🏭 PolicyFoundry→ 🧮 PolicyRater →🏦 PolicyFinance

Part of the PolicyEco Ecosystem

PolicyRater is one of 37 products in the PolicyEco insurance technology ecosystem. From submission intake to claims settlement, every step of the insurance lifecycle is covered. Explore all products →

Built on Tawa — the composable deployment platform for insurance technology. Deploy your own insurance product in minutes, not months. Start with PolicySherpa →