Underwriting and rating infrastructure that keeps pace with your market.
Our platform gives underwriting and product teams a full workbench for managing submissions, configuring rates, and launching coverage — without waiting on engineering for every change.
The Problem
The gap most MGAs live with — and shouldn't.
Most underwriting tools weren't built for embedded insurance. They were built for traditional distribution, where change happens slowly and configuration lives in spreadsheets passed between teams.
Embedded programs move faster than that. Products evolve. Partners have different eligibility requirements. Markets shift. And every time something needs to change — a rate table, a coverage rule, an eligibility threshold — the answer shouldn't be a two-week engineering sprint.
Our platform closes that gap. Underwriting and product teams configure, test, and deploy changes themselves. No ticket. No deployment. No delay.
Core Capability
The underwriting workbench.
Submissions and risk scoring
Manage incoming submissions with structured data capture, AI-assisted risk scoring, and clear referral thresholds. Every submission has a full audit trail and a clear path to resolution — approve, refer, or decline, with the reasoning documented.
Referral workflows
When a submission falls outside appetite, it doesn't fall into a void. Configurable referral workflows route it to the right person, with the right context, and track it to closure. No chasing emails. No lost submissions.
Appetite and eligibility rules
Define and adjust underwriting appetite per program — eligibility criteria, coverage limits, exclusions — without touching code. Rules are versioned, auditable, and effective-dated, so you always know exactly what applied and when.
Rating Engine
The rating engine.
Rate tables and plan structures
Configure deductible tiers, plan structures, and pricing logic per program. Product teams manage rate tables directly — no engineering involvement required.
Coverage forms and product configuration
Build and adjust coverage forms, rules, and product structures in the same place you manage your rates. One configuration environment for the full product.
Real-time quoting
Quotes generated in real time with async job tracking. Partners get instant responses. No blocking. No timeouts. No customer dropped off while a rating engine catches up.
Multi-program precision
The same platform handles different rating workflows for different partners simultaneously — with full separation between programs so changes to one never touch another.
For Every Team
What this means for your teams.
Your underwriting and product teams
You own your product. Rate changes, eligibility adjustments, form updates — all configurable without an engineering ticket. The workbench gives you the visibility and control to run your book without bottlenecks getting in the way.
Your customers
Real-time quotes mean no waiting, no drop-off, no friction at the moment someone decides to buy. The experience feels instant — because it is.
Explore Hermes™
Continue exploring the platform.
The same workbench we use to run our own programs — with a wall between them.
We use the same platform we sell. Your program logic, rate structures, and configuration are yours, isolated from every other program on the platform by design.