Insurity, a provider of software and analytics for the property/casualty insurance industry, announced Ratio Content and Rating Engine, an API-first regulatory content and externalized rating engine for admitted commercial property/casualty carriers.

“For a [chief operating officer] or [chief underwriting officer], the real cost of bureau content has never been limited to the license,” said Insurity CEO Jatin Atre in a company press release. “It’s the last mile of turning that content into policy logic their systems can actually run. Ratio Content and Rating Engine closes that gap, giving carriers the speed and flexibility to rate the commercial business they actually write.”

Ratio Content and Rating Engine turns machine readable bureau content into production ready policy logic and provides the rating performance to support commercial policies. The platform ingests bureau content once, layers in each carrier’s specific deviations, and delivers ready-to-use rating, forms, and stat-code logic through a single API to every downstream policy system.

It is designed to help carriers bring bureau content into production faster by ingesting licensed machine readable content and turning rates, rules, forms, and stat codes into policy logic that existing systems can consume through APIs, reducing manual implementation work and IT development.

The platform also allows carriers to layer their own coverages, factors, rules, and product decisions onto content with an effective date of their choice, while preserving historical reference across versions so teams can understand what changed, when it changed, and how carrier decisions relate to the underlying bureau content. It centralizes regulatory content and carrier specific logic so carriers can implement product and regulatory changes. For carriers operating multiple policy systems, the same connection layer can be reused across environments.

Ratio Content and Rating Engine is source-agnostic and designed to support bureau and carrier-specific content, subject to applicable licensing. For carriers with appropriate Verisk licensing, the platform supports ingestion and normalization of ISO Electronic Rating Content for adoption and customization within the carrier’s regulatory environment.

It is available now and will be demonstrated at InsureTech Connect Vegas on September 29 through October 1, 2026, in Insurity’s booth.

Source: Insurity