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, with 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, so the integration needs an enrichment and defaulting layer, not just field mapping.

Scoping call. You leave with a map.

Bring the integration you wish existed. We tell you what the platform genuinely allows on the call, and within 48 hours you have a written automation map: what we’d build first, what it saves, and what it costs.

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.

The pilot is live, or you don’t pay.

Not a slide. The first integration running against your live environment: your policies, your clients, your edge cases, used by your team. If it isn’t live and used by day 14, the $2,499 pilot isn’t billed.

It keeps running. We keep watching.

APIs version, portals change, schemas drift. The $2,499 a month retainer only starts once the pilot works: monitoring and fixes are in the flat fee, plus one new automation a month, and 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?

It starts free: a 20-minute call and a written automation map of the 3 to 5 workflows worth automating first. Then a 14-day pilot for $2,499 one time: one workflow, fixed scope, live and used by your team by day 14, or you don’t pay. After that, $2,499 a month keeps it running (monitoring and fixes included) and adds one new automation each month; $4,499 a month runs two build lanes. Month to month, cancel anytime, no setup fees. The price doesn’t move with how many carriers we’re maintaining: no per-carrier fees, because the whole point of the architecture is that carrier N+1 is incremental.