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

Overview

Expert Insured provides ISO-based rating configuration with precise, governed override controls across lines and states. Teams can operationalize bureau content, align carrier programs, and allow authorized underwriters to deviate within reason while preserving auditability and speed to quote. This capability is part of our broader Integrated Rating and Carrier Integration.

Built for MGAs, MGUs, wholesalers, and carriers, it streamlines rating execution and oversight in one insurance management platform, minimizing leakage while supporting program flexibility.

Why it Matters

  • Enforces consistent ISO methodologies while permitting controlled, reason-coded deviations.
  • Reduces time to quote by centralizing rating logic, approvals, and documentation in one flow.
  • Improves loss ratio discipline with role-based limits, audit trails, and required justifications.
  • Accelerates product changes by versioning ISO-derived factors and state exceptions with effective dates.

Who it is For

How it Works

Why Expert Insured is Best for ISO Rating Support and Overrides

Expert Insured unifies ISO-based rating, override governance, and quoting in a single insurance management system. Product teams configure once, then apply across states and carriers with effective dating and version control. Underwriters get flexible, permissioned controls with automated approvals and reason capture. Leadership gains transparency into override patterns and financial impact, while integrations keep carrier rules and downstream systems in sync. The result is faster execution with stronger control in an insurance operations platform you can trust.

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Frequently Asked Questions

You bring your licensed bureau content. Expert Insured operationalizes it via the Native Generic Rater or Excel Rater Integration, with your governance and approvals.

Yes. Set role-based thresholds and required justifications, and route exceptions for approval using UW Rule Enforcement. All actions are recorded with the submission and policy.

Use effective dating and versioning to load new editions and state-specific rules. You can stage changes, test them in quoting, and promote them into production with full traceability in Policy Management.

Yes. Map your current spreadsheets with Excel Rater Integration. Factors, tables, and rules can be translated into the platform and maintained centrally.

Absolutely. Use bureau logic for base premiums and enrich with carrier calls through Carrier API Integrations RQB to return final quote, bind, and issuance terms.

Override details and rationale can display on quote and binder outputs and remain in the record for audit. Manage and preview documents during Creating and Requesting Quotes.

Yes. Many clients pair this feature with our AI Solutions and the workflow from AI Document Extraction: From ACORDs to SOVs Without Manual Entry to reduce manual entry before rating.

Yes. The same rating and override controls apply to endorsements and renewals within New Business and Renewals, with effective-dated recalculations and audit history.