RQB vs PL Rating - One Platform for Personal + Commercial Lines

PL Rating was built for quoting standard personal lines. RQB is purpose-built for MGAs, wholesalers, and agents-supporting quoting, binding, and renewals across commercial and personal lines with workflow flexibility and producer access.

Feature Comparison Table

Feature	RQB by Selectsys	PL Rating
Built For	MGAs, agents, wholesalers (both lines)	Personal lines agents
Lines Supported	WC, GL, Property, BOP, Auto, Cyber, Homeowners	Home, Auto, BOP, limited GL
Multi-Line Quoting	Yes (e.g., WC + GL + Home + Auto)	Varies by carrier
Quote to Bind	API + doc generation + bind	Quotes only
Retail Agent Access	Yes, scoped producer access	Yes
Commercial Line Support	Full MGA-grade quoting	Partial
Personal Lines Support	Yes: Homeowners, Auto, Property	Yes
Renewal + Issuance	Workflow-ready	Not supported
AMS/CRM Integration	AMS360, Epic, Expert Insured, CRMs	Vertafore preferred only
Embedded Support Teams	Optional BPO add-on	Not available
Deployment Time	7–10 days (pilot-ready)	Weeks to configure

PL Rating was built for retail agents focused on personal lines. While it's great for quoting home and auto, it lacks support for commercial lines, bind workflows, and renewals.

RQB is a next-generation platform that supports MGAs, agents, and wholesalers handling both commercial and personal lines - with API carrier quoting, endorsement workflows, and bind-ready delivery.

Why RQB Wins

Unified Quoting for All Lines

RQB lets underwriters and producers quote everything from BOP and WC to Homeowners and Auto - in a single platform with multi-line chaining, real-time carrier selection, and document generation.

Not Just Quotes - Full Execution

With PL Rating, quoting is where it ends. RQB continues:

Carrier API or email-based bind
Document generation
Workflow routing for endorsements and renewals
Quote logs and SLA tracking

Built for Agents and MGAs

RQB offers scoped access modes:

Underwriter-only
Producer-facing
Agent + program manager hybrid

You control who can quote, view, and bind - with full logs.

Carrier Rules and Program Logic

With RQB, you can configure:

Appetite filtering
State + class code logic
Premium thresholds
Carrier selection automation

PL Rating does not offer this level of quoting intelligence.

Retail or Delegated Authority Ready

Whether you're an agency, a wholesaler, or a delegated MGA, RQB gives you quoting tools that:

Work across carrier APIs
Handle bind requests
Push quotes into AMS or CRM
Trigger BPO fulfillment if needed

Use Case Breakdown

Use Case	Best Platform
Personal lines quoting	Both
MGA quoting 3+ lines	RQB
Delegated authority + bind	RQB
Auto + Home with commercial	RQB
Manual rate programs	RQB (with fallback bind)
BOP + WC + GL bundled	RQB

Summary Table

Category	RQB	PL Rating
Quoting Coverage	Commercial + Personal	Personal-focused
Workflow Depth	Quote → Bind → Issue	Quote only
Setup Time	7–10 days	Multi-week config
Producer Access	Scoped + role based	Yes
Pricing	Flat or usage-based	Seat licenses
Execution Add-On	Embedded BPO teams	No support layer

FAQ's

How is the RQB platform different from PL Rating?

RQB is designed for MGAs and wholesalers, supporting multi-carrier quoting, custom workflows, and rating across commercial lines. PL Rating is focused primarily on personal lines retail quoting.

Can RQB support complex commercial submissions?

Yes. It’s built to handle large property schedules, general liability, workers comp, cyber, and other commercial LOBs.

Does RQB support broker/agent-facing quote portals?

Yes. RQB includes a producer portal that allows agents to submit quotes directly-automated triage and carrier routing included.

Can RQB handle carrier APIs and manual rating?

Yes. It supports both API rating and manual upload, and it stores prior quotes, submissions, and carrier responses for reporting.

What about underwriting rules and appetite?

RQB can be configured with custom underwriting logic, appetite filters, and flagging rules to support smart distribution and routing.

Trusted by MGAs and Wholesalers Nationwide

RQB supports quoting and bind workflows across all major lines-commercial and personal. With API carrier calls, scoped user roles, and workflow-ready renewals and endorsements, RQB helps teams move beyond quoting into full execution.