RQB (Selectsys) vs PL Rating | Quoting for MGAs, Wholesalers, Carriers, and Agents

RQB integrates with Expert Insured Forms System backed by a forms engine for bind and document generation.

RQB is a multi line quoting platform for MGAs, carriers, wholesalers, and agents with integrated bind, forms, and renewals via Expert Insured. Typical full implementation is about three months depending on carrier connections, lines, and environments.

PL Rating is a personal lines quoting platform for retail agents. Commercial depth and post quote workflows depend on other systems.

Platform Level Comparison

Platform	RQB by Selectsys	PL Rating
Built For	MGAs, carriers, wholesalers, and agents across commercial and personal lines	Retail personal lines agents
Lines Supported	WC, GL, Property, BOP, Auto, Umbrella, Cyber, Homeowners	Home, Auto, selected small commercial such as BOP and limited GL
Multi-Line Quoting	Yes. Chain quotes across lines such as WC plus GL plus Auto	Varies by carrier and product availability
Quote to Bind	API or guided bind. Creates policy record and triggers Expert Insured Forms for issuance documents	Quotes. Bind is handled in carrier portals or other systems
Issuance and Documents	EI Forms engine generates bind package, forms, schedules, and delivery files	Issuance handled outside the platform
Renewals	Renewal queues and re-rating workflows with prior term carry forward	Renewal management performed in AMS or carrier systems
Producer and Broker Access	Role-based producer portal with scoped permissions for submit, view, and bind	Agent access for quoting supported
Carrier Use Cases	Supports carrier-hosted rating for appointed agents and wholesaler networks including appetite rules, underwriting referrals, and delegated authority programs	Primarily agent-side quoting
Commercial Submission Handling	Large schedules, multi-location property, class code logic, and appetite filtering	Commercial scope depends on carriers and setup
Underwriting Rules and Appetite	Configurable rules for state, class, premium thresholds, and carrier selection	Appetite management is carrier-specific
Integrations and APIs	APIs for carriers, Expert Insured, AMS360, Epic, CRM, and data export	Integrates within the Vertafore ecosystem and supported partners
Automation and Intake	Email and portal intake, OCR-assisted data capture, and task routing to quoting flows	Intake and automation handled by connected tools
Reporting	Quote outcomes, carrier response logs, bind rates, producer and agent activity reports	Reporting available for quotes. Post-bind analytics come from AMS or other tools
Setup Time	Typical full implementation about three months including carrier connectivity, authentication, forms, and environment hardening. Pilot stages may start earlier depending on scope	Multi-week configuration depending on carriers and options

Why RQB Wins for MGA and carrier programs

Unified quoting for personal and commercial lines
Quote to bind with EI Forms for documents and delivery packages
Producer and agent portals with scoped access and audit
Rules and appetite filters for faster placement and carrier alignment
Renewal-ready workflows with prior data carry forward
Carrier mode for hosted rating and delegated authority

We operate on a single loop, the Selectsys Value Flywheel, that connects people, process, and platform.

Platform Notes

Use Case	Best Platform
Personal lines quoting	Both
MGA quoting three or more lines in one session	RQB
Delegated authority program with bind and issuance forms	RQB
Carrier hosted portal for appointed agents	RQB
Auto and Home with attached commercial such as BOP or GL	RQB
Manual rate program that needs guided bind and forms	RQB
BOP plus WC plus GL bundled submission	RQB

Summary Table

Category	RQB	PL Rating
Quoting Coverage	Commercial and personal	Primarily personal
Workflow Depth	Quote to bind to issue with renewals	Quote only
Producer or Agent Access	Scoped and role-based for producers and agents	Supported for agents
Documents and Forms	EI Forms engine for bind and issuance	Performed outside the platform
Carrier Use Cases	Supports carrier portals, delegated programs, and underwriting referrals	Agent side quoting focus
Integrations	Carriers, Expert Insured, AMS360, Epic, CRM	Vertafore ecosystem and partners
Setup	About three months for full implementation. Earlier pilot possible depending on scope	Multi-week configuration

FAQs

How is RQB different from PL Rating?

RQB supports both commercial and personal lines with quote to bind and issuance via EI Forms and offers carrier mode. PL Rating focuses on personal lines quoting and relies on other systems for bind and issuance.

Can RQB handle complex commercial submissions?

Yes. RQB supports large schedules, class code logic, multi-location property, and rules for appetite and carrier selection.

Does RQB provide producer and agent portals?

Yes. Producers and agents can submit and track quotes with permissions set per program and carrier.

Can RQB work with carrier APIs and manual rating?

Yes. RQB supports API rating and manual workflows and stores responses and documents for audit and reporting.

What is the typical RQB implementation timeline?

Typical full implementation is about three months including carrier connectivity, forms, authentication, and environments. Pilot phases can start earlier based on scope.

Closing Summary
Choose RQB if you need one platform to quote personal and commercial lines, complete bind, and generate issuance documents with renewal workflows and carrier ready deployment. Choose PL Rating if your primary need is retail personal lines quoting and you plan to complete bind and issuance in other systems.

Disclaimer
All trademarks, product names, and company names are the property of their respective owners. Comparisons are based on publicly available information and typical configurations. Actual features and timelines vary by version, region, and implementation.