Carrier integrations,
on whatever rail the carrier actually offers.

• Some national carriers expose genuine quoting and policy APIs — typically gated behind appointment status and partner programs rather than public signup.
• Aggregation rails exist: commercial raters and API platforms (Tarmika, Bold Penguin, and friends) cover meaningful slices of the small-commercial market in one integration.
• Status, documents, and policy data often have quieter rails than quoting — downloads via IVANS, document retrieval, eDocs — that automation can lean on.
• Where a real API exists, quote-to-bind in minutes is achievable and worth building properly: idempotent submissions, retries, full audit trail.
• Portal automation as the universal fallback: deterministic, monitored browser automation that fills carrier sites from the same canonical data — no carrier approval required.

• There is no universal quoting API, and anyone implying otherwise is selling something. Coverage is carrier-by-carrier, line-by-line, state-by-state.
• API access usually requires appointments and partner agreements — paperwork on your side that we sequence early so engineering never blocks on it.
• Rating-only is common: an API that quotes but can’t bind still leaves a portal step, and the workflow has to own that honestly.
• Carrier portals change without notice; portal automation without monitoring and self-healing selectors is a pager, not a product.
• Every carrier asks questions your intake didn’t — the integration needs an enrichment and defaulting layer, not just field mapping.

Direct carrier API integrations

Quoting, binding, documents, and status against the APIs your carriers actually offer — built with idempotency, retries, and an audit trail an E&O attorney would approve of.

Submission orchestration

One intake fanned out to every appointed market — API where possible, rater where sensible, portal automation where necessary — with results normalized into one comparison.

Deterministic portal automation

Carrier sites filled from canonical data with the same inputs producing the same outputs, MFA and session handling solved, and health checks that catch portal changes before your CSRs do.

Status & document retrieval

Policy status, dec pages, endorsements, and cancellation notices pulled on schedule and filed where they belong — your AMS, your DMS, your client portal.

FNOL & claims intake

First notice of loss flowing from your intake (web, phone transcript, email) into the carrier’s channel of choice, with the insured updated automatically.

Rater & aggregator integrations

Tarmika, Bold Penguin, EZLynx Rating and similar rails wired into the same orchestration — so aggregator coverage and direct integrations stop being separate worlds.

Scoping call.

Bring the integration you wish existed. We tell you what the platform genuinely allows, what we’d build, and what it costs — on the call, not in a proposal three weeks later.

A build lead joins your Slack.

A named engineer who has shipped against this platform before — not a recruiter, not a PM. They confirm access and credentials, then start on the thinnest end-to-end slice.

First demo on your real data.

Not a slide. The integration running against your live environment — your policies, your clients, your edge cases. You click around and we keep going until it’s right.

It keeps running. We keep watching.

APIs version, portals change, schemas drift. Monitoring and fixes are in the flat fee — most clients learn something broke from our Slack message that says it’s already fixed.

Which carriers have real APIs we could use?

It moves quarterly, and the honest answer is per-carrier, per-line, per-state. As a rule of thumb: large national carriers run partner programs with genuine quoting APIs for appointed agencies and programs; mid-market carriers vary widely; and almost everyone supports more via downloads and documents than via quoting. Bring your carrier list to the scoping call and we’ll map each one to its best rail on the spot.

Do we need the carrier’s permission for portal automation?

Portal automation operates your team’s own authorized access — same credentials, same portals, same actions, just executed deterministically instead of by hand. We build within each carrier’s terms, keep a human approval step where binding decisions happen, and log every action. Where a carrier offers a sanctioned API, we’ll always prefer it.

What happens when a carrier changes their portal?

Health checks catch it — usually the same day. Selectors are written to survive cosmetic changes, monitors flag behavioral ones, and fixes are included in the flat fee. Most clients find out a portal changed from our Slack message saying it’s handled.

Can you integrate carriers into our existing platform, or do we have to use yours?

Yours. This is an engineering service: the canonical model, the per-carrier connectors, and the orchestration get built into your product or stack, in your repos if you want them there. Our product exists for agencies that want the outcome without owning code — as an engineering client, you own everything.

How fast can the first carrier be live?

First demo inside a week on the fastest available rail — usually portal automation or an aggregator, since direct API credentialing depends on carrier paperwork. Additional carriers get cheaper as the canonical model absorbs each one’s quirks.

What does it cost?

Flat $2,499 or $4,499 per month depending on volume, month to month, cancel anytime — regardless of how many carriers we’re maintaining. No per-carrier fees, because the whole point of the architecture is that carrier N+1 is incremental.