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P&C Insurance Accounting AAIS Commercial Lines

Modernizing Commercial and Specialty Rating Infrastructure for a Multi Program MGA

How an MGA consolidated fragmented rating tools into RQB and AAIS platforms to enable scalable quoting, delegated issuance, and audit ready policy workflows.

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Client Profile

A specialty focused MGA operating General Liability, Builders Risk, Inland Marine, and Excess programs across multiple states.

The organization previously relied on a mix of spreadsheets, legacy raters, and partial carrier portals.

Operational Challenges

Multiple disconnected rating engines by line of business
Manual rate comparison across carriers
No unified bind workflow
Limited delegated authority automation
Audit preparation required manual reconciliation

RQB | AAIS Commercial Lines Platform

Transformation Architecture

Selectsys implemented RQB as the centralized rate quote bind engine across commercial and specialty lines, while deploying AAIS infrastructure for policy issuance and delegated program workflows.

Multi carrier rating consolidation through RQB
API driven comparison and bind workflows
AAIS based rating, issuance, and accounting integration
Integration with Expert Insured for lifecycle control

RQB | AAIS Commercial Lines Platform | Expert Insured

AAIS Platform Deployment

For commercial lines programs requiring structured forms, delegated rating rules, and accounting alignment, the MGA deployed the AAIS infrastructure cluster.

AAIS Commercial Lines Platform | AAIS Platform for MGAs | AAIS Rating Policy Issuance Accounting

Measured Outcomes

Quote turnaround reduced by 40 percent
Bind ratio increased through standardized comparison workflows
Delegated issuance cycle time reduced by 30 percent
Audit preparation time reduced significantly
Single control layer across all commercial programs

Integration with Ecosystem

RQB handled multi carrier rate and bind. AAIS managed rating logic and issuance. Expert Insured controlled policy lifecycle. Insurance BPO pods supported underwriting documentation and processing.

RQB | AAIS Commercial Lines Platform | Expert Insured | Insurance BPO

Governance and Control

Centralized rating logic and rule governance
Program level audit tracking
Version controlled forms
Integrated premium accounting workflows

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