Every MGA knows the pain: thousands of rows of rating factors, premium tables, and modifiers living in spreadsheets.
They started as a quick way to price a new program. They turned into the biggest bottleneck in scaling it.<\/p>\n\n\n\n
Non-admitted business is fast-moving. Rules change weekly, surcharges shift, and new coverages appear overnight. Updating those spreadsheets and emailing new versions to the team leads to version drift, inconsistent quotes, and compliance risk.<\/p>\n\n\n\n
RQB solves that problem by turning your spreadsheets into APIs.<\/strong> Spreadsheets were never meant to be rating systems. They:<\/p>\n\n\n\n When rating lives in Excel, every quote is a risk. When it lives in an API, every quote is consistent, logged, and scalable.<\/p>\n\n\n\n RQB provides a repeatable, structured path to transform spreadsheets into real-time APIs.<\/p>\n\n\n\n Upload your spreadsheet or existing rate table. Use rule templates to define how variables interact. RQB\u2019s sandbox lets you run test quotes instantly. You can confirm rating outputs line-by-line against your existing file before publishing.<\/p>\n\n\n\n Once validated, the engine is published as a REST endpoint. No code rebuilds. No dependency on IT teams.<\/p>\n\n\n\n With RQB, you can both consume<\/strong> external rating APIs and expose<\/strong> your own. The result: your program becomes part of the digital distribution ecosystem rather than trapped in a spreadsheet.<\/p>\n\n\n\n Every rating API version is stored and timestamped. You can roll back, compare changes, and export full version histories.<\/p>\n\n\n\n This is critical for compliance, especially for surplus lines filings or carrier audits. It also means underwriters and actuaries can collaborate safely, no overwritten formulas, no lost cells.<\/p>\n\n\n\n Once a spreadsheet becomes an API, it plugs directly into:<\/p>\n\n\n\n That\u2019s how RQB unifies admitted and non-admitted rating under one framework.<\/p>\n\n\n\n Explore the ISO counterpart in ISO Rating Integration: Working with Engines like NetRate<\/a>.<\/p>\n\n\n\n Each custom rating API includes:<\/p>\n\n\n\n Your proprietary rating logic stays protected while still being accessible to approved systems.<\/p>\n\n\n\n You move from Excel to API in about 30 days<\/strong>, faster than one update cycle of your old spreadsheet.<\/p>\n\n\n\n RQB rating APIs deliver tangible operational benefits:<\/p>\n\n\n\n The payoff: consistent pricing, faster quotes, stronger relationships, and complete audit readiness.<\/p>\n\n\n\n Whether you\u2019re managing a niche non-admitted product or running multiple proprietary programs, RQB lets you build and distribute rating APIs without code.<\/p>\n\n\n\n Request a Demo<\/a> or Start a Pilot<\/a> to see how your spreadsheet rating can become a live API in under 30 days.<\/p>\n\n\n\n What kinds of programs can be converted?<\/strong> Do I need developers to maintain it?<\/strong> Can I keep some parts private?<\/strong> How are changes tracked?<\/strong> Can multiple MGAs use the same API?<\/strong>
You provide the rating logic, and RQB converts it into a live, modular rating engine that feeds any MGA, wholesaler, or carrier instantly.<\/p>\n\n\n\nThe Problem with Spreadsheet-Based Rating<\/strong><\/h2>\n\n\n\n
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Turning Your Rating Logic into APIs<\/strong><\/h2>\n\n\n\n
1. Upload and Parse<\/strong><\/h3>\n\n\n\n
RQB reads each column, factor, and variable, then maps them into the platform\u2019s rule structure.<\/p>\n\n\n\n2. Define Logic<\/strong><\/h3>\n\n\n\n
Example: Base rate \u00d7 class factor \u00d7 deductible modifier \u00d7 experience mod.<\/p>\n\n\n\n3. Test and Validate<\/strong><\/h3>\n\n\n\n
4. Publish as Secure API<\/strong><\/h3>\n\n\n\n
It can now be used by RQB quoting, by your own portal, or by partner MGAs and carriers.<\/p>\n\n\n\nExpose or Consume, Your Choice<\/strong><\/h2>\n\n\n\n
This means you can:<\/p>\n\n\n\n\n
Version Control and Audit History<\/strong><\/h2>\n\n\n\n
Integration Across the RQB Ecosystem<\/strong><\/h2>\n\n\n\n
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Security and Governance<\/strong><\/h2>\n\n\n\n
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Implementation Timeline<\/strong><\/h2>\n\n\n\n
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\n \n Step<\/th>\n Duration<\/th>\n Deliverable<\/th>\n <\/tr>\n <\/thead>\n \n Rating logic review<\/td>\n 1 week<\/td>\n Mapping and gap analysis<\/td>\n <\/tr>\n \n Conversion & rule setup<\/td>\n 1 week<\/td>\n Configured engine<\/td>\n <\/tr>\n \n Testing & validation<\/td>\n 1 week<\/td>\n Matched results<\/td>\n <\/tr>\n \n API publication<\/td>\n 1 week<\/td>\n Live endpoint with documentation<\/td>\n <\/tr>\n <\/tbody>\n <\/table>\n<\/div>\n\n\n\n Business Outcomes<\/strong><\/h2>\n\n\n\n
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Get Started<\/strong><\/h2>\n\n\n\n
Frequently Asked Questions<\/strong><\/h2>\n\n\n\n
Any program that uses formulas, tables, or modifiers, property, GL, auto, marine, professional, or specialty.<\/p>\n\n\n\n
No. Operations and actuarial teams can update factors directly.<\/p>\n\n\n\n
Yes. APIs can expose only selected variables or tiers.<\/p>\n\n\n\n
Each change creates a version record with date, user, and comparison.<\/p>\n\n\n\n
Yes. You can issue secure keys and control partner access.<\/p>\n\n\n\n