Expert Insured joins the Selectsys Family of Solutions for MGAs, MGUs, Wholesalers, and Carriers Read the Press Release

Overview

UW Rule Enforcement in Expert Insured ensures eligibility, appetite, and pricing rules are applied consistently at intake, rating, quote, and bind. It centralizes configurable underwriting logic so submissions are validated before they reach carriers, reducing leakage and rework for MGAs, MGUs, wholesalers, and carriers.

This capability sits within our Integrated Rating and Carrier Integration feature set, unifying rules across native rating, Excel raters, and carrier APIs. Expert Insured serves as your insurance operations platform that enforces guidelines without slowing the front office.

Why it Matters

  • Prevents off-appetite and noncompliant risks from quoting or binding, cutting declinations and chargebacks.
  • Drives faster decisions with automatic knockouts, referrals, and reasoned feedback to producers.
  • Protects margin by enforcing pricing factors, minimum premiums, and class-specific restrictions.
  • Delivers audit-ready transparency through versioned rules and override trails.

Who it is For

How it Works

Why Expert Insured is Best for UW Rule Enforcement

Expert Insured unifies underwriting rules across native rating, Excel raters, and carrier API calls so the same decisioning governs every path to quote. Business users configure rules once, apply them by carrier, program, state, and line, and rely on clear reason codes for any block or referral. The agency management system context provides end-to-end traceability, from initial intake to bind, with role-based overrides and auditable outcomes.

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Frequently Asked Questions

You can set eligibility knockouts, referral conditions, surcharge or discount factors, documentation requirements, and appetite rules by carrier, program, state, class, and line of business, all within a versioned rule library.

Rules run at submission intake, during rating, at quote creation, and prior to bind, with checks embedded in Policy Management and aligned to the Policy Lifecycle Overview.

Yes. Rules can be scoped to specific carriers, programs, states, and LOBs, allowing precise governance for each market while supporting multi-line operations for MGAs and wholesalers.

The same rules govern Excel-based rating via Excel Rater Integration and are applied alongside responses from Carrier API Integrations RQB to prevent conflicts and maintain consistent outcomes.

Authorized users can override referrals or certain conditions with mandatory reason capture. All actions are recorded with timestamps and user details in Policy Management.

Yes. You can enforce ISO-driven validations and implement approved deviations using ISO Rating Support and Overrides, with clear documentation for audit.

Rules pre-validate inputs, influence rating factors, and post-check quotes within the Native Generic Rater, ensuring accurate premiums and consistent eligibility decisions.

Updates can be drafted, tested, and promoted with effective dates and versioning, minimizing disruption while ensuring new guidelines take effect at the right time across rating and quoting.