ISO Rating Integration: Working with Engines like NetRate

Why Integration with Standard Rating Engines Matters

For many admitted commercial lines, General Liability, Property, Commercial Auto, carriers and MGAs rely on established rating engines built on ISO content. These engines ensure regulatory compliance, consistent pricing logic, and carrier trust. Systems such as NetRate support ISO-based rating for multiple lines of business and are designed for MGA environments.

When a quoting platform connects seamlessly to an ISO-based engine, it unlocks:

• Speed to market for admitted lines
• Compliance confidence for carriers
• Unified quoting across admitted & non-admitted business

That’s how the right integration becomes a strategic advantage.

What ISO Rating Integration Looks Like Inside RQB

When your platform integrates with an ISO rating engine, three things must happen smoothly: data alignment, rules consistency, and lifecycle support.

1. Data Alignment

ISO engines expect standardized data (class codes, territories, exposures). RQB’s data model maps submission fields to the engine input format. For example:

• Shared data such as entity name, payroll, locations
• Line-specific exposure fields routed into the ISO engine

2. Rules Consistency

ISO content is updated regularly, rates, rules, forms. Engines like NetRate keep pace.
RQB connects to that engine and applies consistent business logic:

• Filter out ineligible risks before rating
• Apply permitted deviations per carrier or program
• Maintain audit logs of version, rule, and pricing changes

3. Lifecycle Coverage

A true ISO integration doesn’t stop at quoting. It complies through the full policy lifecycle: audits, renewals, endorsements. Engines like NetRate support new business, audits, cancellations, reinstatements.
RQB funnels that output into the issuance, billing, and analytics modules, so admitted business stays compliant and visible.

Benefits of Having Both Admitted & Custom Rating in One Platform

When you integrate ISO-based rating along with non-admitted or custom programs in the same quoting engine, you gain big advantages:

• Unified quote experience: Producers see admitted and non-admitted options side by side.
• Operational efficiency: One system. One workflow. No separate tools for standard vs specialty.
• Carrier credibility: Using ISO-based engines reinforces submission credibility with admitted carriers.
• Scalable flexibility: Add new states or variations of standard lines without rebuild.

You’ll find closer details in From Spreadsheets to APIs: Building a Solid Rating Platform for Non-Admitted Programs.

How to Implement ISO Rating Integration in Your Program

Here’s a proven launch path:

• Week 1: Identify the standard lines to integrate (GL, Property, Commercial Auto). Confirm the rating engine (e.g., NetRate).
• Week 2: Map your submission data model to the ISO engine required fields. Configure routing rules.
• Week 3: Run testing, input sample risks, measure comparison against legacy manual quotes. Validate rules, rate accuracy, and response time.
• Week 4: Go live with a pilot group of producers or underwriters. Monitor quote-to-bind metrics, submission drop-off, error rates.

From there you scale: add more carriers, refine rules, integrate with bind/issuance, and layer non-admitted programs.

Operational Considerations and Best Practices

• Version control: Keep track of rate-and-rule version dates and tie them to each quote or issuance audit record.
• Audit trail: Every quote coming from the ISO engine should record inputs, engine version, and output for later review.
• Hybrid routing: For risks that fall outside admitted appetite, route to custom non-admitted modules seamlessly. The system handles both.
• Analytics: Track quote performance by line, engine version, state, and carrier. Relate speed and accuracy back to bind ratios.

Business Impact

Integrating ISO-based rating delivers measurable business outcomes:

• Launch standard lines faster, lowering operational ramp-up time.
• Increase producer engagement due to quicker and reliable quoting.
• Reduce error-driven re-quotes or premium disputes.
• Strengthen carrier relationships by showing standard engine usage and transparent governance.

In many MGAs and carriers, this integration reduces submission turnaround time by 40-60 % and cuts manual re-work in half.

Get Started

If you’re ready to bring admitted line quoting into your quoting engine, and merge it with your non-admitted workflow, now is the time to act.

 Request a Demo or Start a Pilot to see how RQB integrates ISO-based engines like NetRate and supports your full program set.

Frequently Asked Questions

What lines does ISO-based rating typically cover?
General Liability, Property, Commercial Auto, Crime, Inland Marine, and Workers Compensation are common.

Can I integrate an ISO engine without replacing my platform?
Yes. Modern engines expose APIs or web-services, and your platform can map inputs and outputs accordingly.

How do custom deviations work with ISO engines?
You can layer carrier or program-specific rules on top of ISO base, maintaining compliance while differentiating products.

Will this slow down quoting?
No, when configured properly, the integration runs in real time and blends with the same quoting workflow.

How do I maintain updates to ISO content?
Choose an engine with regular updates and version control; link your quoting platform to capture and audit each version change.