A production ready comparative rating platform supporting layered, umbrella, and excess structures across multiple carriers
Excess insurance is rarely placed in isolation. It is layered, negotiated, and tied closely to underlying primary policies such as General Liability and Commercial Property. Many MGAs and wholesalers still rely on manual workflows, email negotiations, and disconnected carrier portals to place excess coverage.
Selectsys built a production-ready excess insurance rating and comparative rating platform that allows MGAs and wholesalers to rate, quote, bind, issue, and manage excess policies within a unified system. The platform is live today and designed to support layered structures, program business, and delegated authority workflows.
Excess insurance rating is the process of pricing coverage that sits above underlying primary policies using attachment points, limits, layering structures, and carrier specific underwriting rules.
Comparative rating allows MGAs, wholesalers, and carriers to compare excess and umbrella pricing, capacity, and underwriting outcomes across multiple carriers within a single placement workflow.
Selectsys supports excess insurance rating whether teams need a standalone excess rater, a comparative rating engine, or a full commercial lines rating platform.
The Excess Insurance Rating Platform operates within the broader Selectsys Commercial & Specialty Rating Platform. This allows excess placement to be managed alongside primary lines such as General Liability, Commercial Property, and Workers Comp in a single operational environment.
See how MGAs and wholesalers scale this line using unified rating, binding, issuance, and accounting workflows.
Compare excess and umbrella pricing across multiple carriers and layers in a single submission
For carriers that support API based workflows, Selectsys enables real time excess rating and quoting directly from the platform. Where supported, workflows extend from quote through bind and policy issuance.
New excess carrier API integrations can typically be delivered in approximately six weeks, assuming carrier access and documentation are available.
For excess programs that rely on ISO based rates, the platform supports standardized rating workflows while keeping submissions, underwriting, and placement centralized within a single system.
For delegated authority and specialty program business, Selectsys supports proprietary excess rating where rates and underwriting logic are owned by the MGA or carrier. This enables faster program launches and greater flexibility in structuring excess layers.
The excess insurance rating and comparative rating platform is integrated in production with multiple national and specialty carriers supporting excess and umbrella business.
Carriers currently integrated for Excess Insurance include:
Additional excess carriers can be onboarded where MGA or wholesaler appointments exist. New carrier API integrations are typically delivered in approximately six weeks.
This line fails most often when rating is disconnected from execution.
For programs that require full lifecycle workflows, the platform supports:
This reduces manual handling and improves turnaround time for excess placement.
When combined with Selectsys accounting capabilities, MGAs and wholesalers can:
This ensures financial integrity across complex excess programs.
The Excess Insurance Rating Platform is designed for organizations that:
The platform is already running inside organizations that operate this way today.
If excess placement is slowing down your programs or limiting growth, we should talk. Selectsys can support your existing excess carriers, onboard new ones quickly, and provide a production-ready excess insurance rating and comparative rating platform that scales with your business.
Premium collection following rate quote bind is automated through CoverPay, enabling installment billing and endorsement recalculation without third party billing integrations.
