RQB vs PL Rating: One platform for personal and commercial quoting
RQB supports MGA, carrier, wholesaler, and agency workflows across commercial and personal lines with quote to bind, issuance, and renewals. PL Rating focuses on personal lines quoting for retail agents.
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 one connected model, the Selectsys Operating Model, that connects people, process, and platform.
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 |
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
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.
- If you want to understand how Selectsys replaces standalone tools and isolated outsourcing with a cohesive lifecycle model, the operating model page explains how the full stack works together.
RQB Does What PL Rating Can’t: Real Execution, Not Just Quotes
Choose a quoting platform that supports producers, binds faster, and scales with your MGA.
Connected Across the Insurance Lifecycle
Selectsys operates as a connected insurance infrastructure. Each component supports a different part of the policy lifecycle while remaining fully connected inside one operating system.
Each capability can operate independently, or connect with the others as the operation requires.