01
Rating engine replacement
One line in one state moved to versioned tables loaded from the filing.
Insurtech / Property and Casualty
Property and casualty insurance software
An approved rate sits in a filing while a different one runs in production, and nobody can say which states adopted the last bureau circular. Agnotic Technologies builds P&C core systems where every rate, rule and form traces back to the filing behind it.
Filings
Rates and forms by state
Bureaus
Adopt or deviate, by date
Reports
Statistical and annual data
Trusted by global innovators
Industry Overview
What is property and casualty insurance software?
Property and casualty insurance software is the rating, policy and reporting system a carrier or MGA runs for lines such as homeowners, auto and commercial property. Agnotic Technologies builds it around the regulator: products configured per state from filed rates and forms, bureau updates applied by effective date, and statistical reports drawn from the same records.
Industry Challenges
Where do P&C systems fall behind the regulator?
Most P&C problems we are asked to fix are not missing features. They are gaps between what was filed, what is configured and what gets reported.
A rate approved in one state is retyped into the rating engine, so the production table and the filed exhibit slowly drift apart.
Bureau loss cost and form circulars arrive as documents, and nobody can show which states adopted, deviated from or skipped each one.
Effective dates are treated as release dates, so new business and renewals in the same state price on different versions without anyone deciding that.
Statistical codes the plan asks for were never stored at bind, so each quarter someone guesses them back from the warehouse.
Annual statement schedules are assembled in spreadsheets from finance and claims extracts that do not reconcile to the policy system.
Property addresses were never geocoded, so exposure accumulation by area is a manual exercise before every reinsurance renewal.
Decision table
What does each P&C product change touch?
We walk through this table on scoping calls. Filing types vary by state and line, so your compliance team confirms the filing column for each state; the software tracks the rest.
| Product change | Filing it usually needs | Configuration it touches | Report it changes |
|---|---|---|---|
| Enter a new state | Rate, rule and form filings for that state, unless the line is exempt there | A new state product version with territories, state forms, taxes and fees | The new state appears in statistical reporting and the state page of the annual statement |
| Change a base rate or rating factor | A rate filing with supporting actuarial exhibits | Rate tables with separate effective dates for new business and renewal | Written premium on statistical reports from the effective date |
| Adopt a bureau loss cost revision | An adoption or deviation filing, depending on the state | Loss cost tables and the loss cost multiplier for each state | Statistical coding stays aligned to the bureau plan |
| Adopt a bureau form revision | A form adoption filing, or a filing for your own variation | Form library, edition dates and the rules that attach each form | Forms list on the policy record and the declarations page |
| Add a coverage or endorsement | A form filing, usually with a rate or rule filing | Coverage definition, rating step and form attachment rule | New coverage codes on statistical reports |
| Withdraw a product from a state | A withdrawal filing or notice where the state requires one | New business closed, renewal or nonrenewal logic kept | Run-off premium and losses are still reported |
Our Approach
How should a carrier approach a P&C core build?
Three design rules come first. Each one keeps the system honest about what the regulator approved.
Treat the filing as the source
Rate tables, rules and forms are loaded from the approved filing exhibits, and the SERFF tracking number is stored against every product version.
Version by state and effective date
Every product element carries a state, an effective date and a new business or renewal flag, so two versions can run side by side on purpose.
Capture statistical codes at bind
Coverage, class, territory and the other codes the statistical plan needs are written to the policy when it is bound, not rebuilt at quarter end.
Capabilities
What do we build for property and casualty carriers and MGAs?
Our property and casualty insurance software services cover the regulated core of a P&C product. Generic quoting, policy servicing and claims are described on our insurance software page.
State product configuration
Products defined once and specialised per state: territories, eligibility rules, limits, taxes and fees, each with its own effective dates.
Versioned rating engine
Rate tables and factors loaded from filing exhibits, with every rated policy pointing at the exact table version it used.
Form library and attachment rules
Bureau and proprietary forms with edition dates, and rules that decide which forms attach to which policy in which state.
Bureau circular tracker
Each loss cost or form circular logged with the decision per state (adopt, deviate or decline), the filing reference and the planned effective date.
Statistical reporting extracts
Premium and loss records coded to the statistical plan at source, with validation before the file leaves for the statistical agent.
Annual statement data feeds
Premium, loss and expense data by state and line, reconciled across policy, billing and claims before finance builds the schedules.
Property exposure accumulation
Geocoded locations, insured values aggregated by area and peril, and exports for catastrophe modelling and reinsurance submissions.
Filing exhibit generator
Rate pages and examples produced from the configured tables, so actuaries review the same numbers the system will charge.
How It Works
How does an approved rate reach production?
This is the path we build for every rate change. Each step leaves a record, so an examiner can follow a premium back to its filing.
Filing approved
The approval is logged with its SERFF tracking number, states, lines and the effective dates for new business and renewal.
01
1
Load from the exhibit
Rate tables are imported from the filed exhibit instead of retyped, and any difference from the current version is shown for review.
02
2
Test against the filing
Sample risks are rated and compared with the filed examples, and an actuary or product owner signs off the result.
03
3
Schedule by effective date
The new version goes live for new business and renewals on their own dates, with the old version kept for policies already in force.
04
4
Report from the same version
Statistical extracts and premium reports read the version identifier, so reported premium matches what was charged.
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5
Engineering Stack
Systems and standards behind a P&C core
Chosen to fit your bureaus, your statistical agents and the systems your agents already use.
Standards
ACORD P&C XMLACORD AL3Bureau statistical plan codingBureau and proprietary form editions
Filings
SERFF tracking numbersActuarial exhibit import (Excel, CSV)Rate page generationChange approval workflow
Data
PostgreSQLData warehouseGeocoding serviceReconciliation jobs
Platform and security
Role-based access and SSOAudit loggingEncryption in transit and at restCloud hosting
General liability
How does general liability insurance software handle audits and certificates?
General liability insurance software runs the work that follows a bound policy: estimated exposure, premium audit at expiry, certificate and additional insured requests at volume, and occurrence claim notices and tenders. Filings follow the P&C rules above; this table covers what a GL carrier or MGA handles every day.
| Workflow | What the system does | What goes wrong without it |
|---|---|---|
| Exposure basis at bind | Stores the estimated exposure per class code on the basis that class uses: gross sales, payroll, area, units or admissions | Premium is charged on one basis and audited on another |
| Premium audit cycle | Schedules the audit at expiry, collects the insured's records or the auditor's report, calculates additional or return premium and closes the audit | Audits stay open for months, and final premium is never billed or refunded |
| Audits that do not close | Tracks non-response with dated reminders and applies the fallback your underwriting rules set, with the decision logged | Expired policies sit on estimated premium with no decision |
| Certificate requests | Issues certificates from the policy record, capturing holder, project and contract details once | Certificates are typed by hand and drift away from the policy |
| Additional insured and endorsement check | Matches each request for additional insured, waiver of subrogation or primary and non-contributory wording to the endorsements the policy carries | A certificate shows coverage the policy does not give |
| Contract requirement check | Compares the holder's contract requirements for limits, endorsements and notice with the policy, and flags gaps to the underwriter | Gaps surface only when a claim is tendered |
| Notice to certificate holders | Sends cancellation or change notices to holders where the policy or an endorsement promises them, and logs delivery | Holders who were promised notice never receive it |
| Occurrence claim notice | Records the date of occurrence, finds the policy in force on that date and logs first notice, even years after expiry | A claim is matched to the current policy instead of the one in force when the injury or damage happened |
| Tender from an additional insured | Logs the tender, links it to the certificate and endorsement, and routes the coverage decision to claims staff | A tender sits unanswered because nobody can find the endorsement |
Measured Impact
What should a P&C product team track?
Measures we build into the product and compliance dashboards.
Filed vs live
Version match
Products where the production table differs from the latest approved filing.
Bureau backlog
Open circulars
Circulars with no adopt, deviate or decline decision for a state.
Stat rejects
Statistical file errors
Records returned by the statistical agent, by cause and line.
Exposure
Insured value by area
Accumulated property values by area and peril for reinsurance review.
Use Cases
Where do P&C builds usually start?
Common first releases, each scoped to one line of business or one regulatory job.
02
New state launch
A state product version, its forms and its statistical coding built from the approved filings.
03
Bureau circular tracker
A shared log of circulars and state decisions for product, compliance and actuarial teams.
04
Statistical reporting extract
Plan-coded premium and loss files built from source records instead of the warehouse.
05
Property accumulation view
Geocoding and aggregation by area ahead of a reinsurance renewal.
06
MGA product launch
Property and casualty insurance software for startups and MGAs writing one product on a carrier's paper.
Integrations
Which systems does a P&C core exchange data with?
The parties and systems a regulated P&C product reads from and writes to.
Filings
SERFF filing records
Loss costs and forms
Rating bureaus
Statistical reporting
Statistical agents
Distribution
Agency management systems
Premium
Billing and payments
Losses
Claims system
Exposure
Catastrophe models and reinsurers
Location
Geocoding and property data providers
Compliance-First Development Services Backed by Global Standards
We build secure, scalable products designed for privacy, interoperability, and regulatory readiness from day one across every sector we serve.
General Data Protection Regulation
Implement lawful consent flows, data minimization, and secure processing for global data privacy.
Service Organization Control 2
Verified controls for security, availability, and confidentiality of enterprise data systems.
Information Security Management
Adhering to the international gold standard for managing information security risks.
Our Edge
Why Global Leaders Choose Us
We combine deep technical expertise with industry-specific knowledge to deliver solutions that aren't just functional, but transformational.
Enterprise-Grade Security
We implement rigorous security protocols and compliance standards (HIPAA, GDPR, SOC2) across all industrial solutions to protect sensitive data.
High-Performance Scaling
Our architectures are built to handle massive data loads and user bases, keeping performance steady whether you're serving ten or ten million.
Accelerated Time-to-Market
Using our suite of internal tools and proven frameworks, we cut setup work so your first release reaches users sooner.
Embedded AI Integration
Beyond simple wrappers, we build deep-learning integrations and predictive analytics directly into the core of your industry-specific workflows.
Engagement Model
How does a P&C engagement run?
We start from the filings you already have. Timing depends on scope; we agree a fixed first release on the scoping call.
01
Scoping call
Lines, states, bureaus and the systems in place today, and the first product to rebuild.
02
Filing inventory
Approved filings and bureau adoptions mapped to products, so the configuration starts from the record.
03
Fixed-scope first release
One line in one state, rated, issued and reported end to end.
04
Add states and lines
New state versions and coverages added on the same product model.
05
Support
Rate changes and bureau updates loaded under agreed change control.
Facts and sources
Which filings and standards shape P&C software?
Short facts we design around, each linked to its primary source.
Under Regulation 195, New York DFS accepts electronic rate and form filings only through the NAIC System for Electronic Rate and Form Filing (SERFF), and rejects a filing whose new or revised forms, rates and rules are not on the right SERFF schedule.
Source: New York DFS, General Guidelines for filing via SERFFNew York DFS lists Insurance Law section 2305 (rates or rating plan; no prior approval; prior approval) and section 2307 (rating classification or territories; policy forms) among the statutes its property and casualty review standards checklists reference.
Source: New York DFS, statutes and regulations for property and casualty linesNew York DFS requires licensed property and casualty insurers writing private passenger auto to file a Section 3425 compliance report by April 30, with data on rating territories, primary driver classifications, new insureds and non-renewals.
Source: New York DFS, P&C Data Calls and Reporting RequirementsACORD publishes its Property and Casualty data standards in XML and AL3 formats, and notes that they are also relevant for delegated authority and workers' compensation.
Source: ACORD Data Standards
Voice of success
We don't just build products; we forge lasting partnerships. See how we've helped industry leaders transform their vision into technical reality.
“I can clearly see how Agnotic has a unique way of handling end-to-end development. They are always active on quick chat and provide support quickly.”
Aaron Phelan
Founder, Benchmark
“Agnotic combines deep technical expertise with strong domain knowledge. They understand the business context, anticipate challenges, and make collaboration smooth and effective.”
John Pasmore
Founder, Latimer
“Agnotic is the best technical team we evaluated. Their engineering excellence made our work dramatically easier and allowed us to stay focused on what matters most for maternal care outcomes. They took full ownership of the technical execution, and we are always happy to continue working together.”
Kim Smith
Founder, My Lauren
Related pages
Related insurance software services
This page covers the regulated core of a P&C product. These pages cover the work around it.
Insurance software for policy and claims administration
Quoting, policy servicing, claims and portals across lines of business.
Policy administration system development
Endorsements, renewals and cancellations, with the documents each transaction produces.
Insurance agency management system
Software for the brokers and agencies that sell your P&C products.
BFSI analytics dashboard software
Dashboards for premium, loss and exposure reporting.
Document intelligence systems
Extraction from applications, schedules and loss runs, with human review.
Insurtech software development
Our wider insurance practice for carriers, MGAs and startups.
More in Insurtech
More Insurtech Solutions
Explore other production-grade engineering platforms we deliver across insurtech.
Cross-Industry Reach
The Same Engineering Patterns, Across Other Industries
The technical patterns behind this platform translate naturally into adjacent verticals.
Frequently Asked Questions
A general platform handles the policy lifecycle. P&C software also has to hold filed rates and forms per state, apply bureau revisions by effective date and code every policy for statistical reporting. That regulated layer is where most P&C rebuilds start.
The number of lines and states, how many bureau programs you follow, the filings to load, integrations with agency and claims systems, and how much policy history must be migrated. We walk through these drivers on the scoping call instead of quoting a fixed price.
It depends on the filing approval and on how far the state differs from your existing product. We agree a fixed first release on the scoping call, and the software is ready to switch on once the filing is approved.
Yes. We build an import for your actuarial exhibit format, compare it with the current version and show the differences for sign-off. Nobody retypes a rate table.
No. Agnotic Technologies is a software development services company. Your actuarial and compliance teams, or your filing consultants, file with the states; the software produces the exhibits and stores each tracking number and approval.
Yes. A startup or MGA usually begins with one product in a few states on a carrier's paper, so the first release covers rating, issuance and the reports the carrier asks for.
They sit on the same P&C core but bring their own workflows: state claim EDI for workers' compensation and claims-made coverage rules for professional liability. Each has its own page under insurtech.
Usually not. General liability runs on the same P&C core for rating, policy and filings. What it adds is the premium audit cycle, certificate and additional insured handling, and occurrence claim tracking, which we build as modules on that core.
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