RQB for Florida: Real-Time Underwriting Built for High-Volume, High-Regulation Markets

Florida MGAs and wholesalers face extreme pressure-from CAT volatility to intense regulatory oversight and rapid submission cycles. You’re not just quoting insurance. You’re fighting the clock, the market, and the compliance layer.

The RQB platform enables real-time rating, quoting, and risk triage across Florida’s most challenging lines-Property, General Liability, Flood, Workers’ Compensation, and Cyber-with integrated dashboards and rule-based underwriting logic.

Why RQB Is a Fit for Florida Insurance Operations

Quoting turnaround is critical during CAT seasons and market withdrawals.
Many MGAs juggle multiple E&S and admitted carriers with inconsistent quoting workflows.
Florida Office of Insurance Regulation (OIR) demands transparency and audit trails on rating logic.
Quote delays cost agents-and carriers-real premium volume.

RQB solves this by enabling live quoting, submission prioritization, and rating orchestration via one centralized platform.

Platform Highlights for Florida MGAs

Instant multi-carrier quoting across Property, WC, Flood, GL, Cyber
Live broker portals reduce manual data entry and rekeying
Rule-based routing sends only eligible carriers the request
Dashboards show submission-to-bind metrics by region, agent, or carrier
JSON audit trail for OIR and internal audits

Real-World Test Cases

Wind-Exposed Property Quoting in Dade & Broward

A regional Florida MGA uses RQB to triage submissions based on zip code and building age, automatically excluding non-eligible risks from being routed to carriers that do not write wind in Tier 1 counties. Quote time reduced from 2+ days to under 15 minutes.

Workers' Comp Quoting by Class Code Volume

A Central Florida wholesaler receiving 100+ submissions/day used RQB’s workflow engine to sort and assign submissions based on class code risk level. Carriers that only write low-risk construction classes are auto-selected, avoiding manual underwriter routing.

Integrations & Security

Built-in compatibility with Expert Insured for policy issuance

JSON rating engine integrations with carrier portals

Azure-hosted with MFA, IP whitelisting, and SOC-3 readiness

No external form tools or email parsing - clean digital intake

Want to understand how RQB works beyond Florida?

Explore the main RQB platform page for a full overview of quoting workflows, API integrations, and real-time rating capabilities across states.

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FAQs

How does RQB handle Florida-specific insurance lines like Flood and Excess Property?

RQB supports rating and quoting logic tailored for lines commonly used in Florida, including Flood, Excess Property, and multi-structure commercial risks. It routes submissions to appropriate carriers based on zip code, property age, and construction type.

Can Florida retail agents submit directly through RQB?

Yes. RQB provides a branded submission portal that allows retail agents to submit directly-removing the need for email-based back-and-forth.

Is RQB compliant with Florida OIR requirements?

Yes. RQB maintains structured logs and audit trails of quote activity and rating decisions. These logs are exportable in JSON and Excel format to comply with state regulatory expectations.

Does RQB support multiple carriers in Florida, including E&S markets?

Yes. RQB is built to handle admitted and non-admitted quoting workflows across multiple carriers, with logic tailored to what each carrier writes in Florida.

Can RQB integrate with our in-house AMS or legacy system?

Yes. RQB supports RESTful API integrations and can write directly to your AMS, Expert Insured platform, or legacy database through secure APIs or scheduled data exports.

If you want a quick reference for any of the terminology mentioned on this page, you can review the Glossary for clear definitions and context.

If you want a broader view of how quoting fits into the full lifecycle, the operating model page explains how RQB connects to underwriting, policy administration, servicing, and downstream operations.

Start a pilot in your Florida MGA operation.

We’ll deploy RQB with your top two carriers and one LOB, deliver a dry run, and show measurable quote speed improvements in 30 days.

Request a Demo

How This Service Connects to the Core Platform

This service operates within the connected Selectsys insurance infrastructure. Operational execution is fully aligned with the technology backbone.

RQB: Rating and bind infrastructure for commercial and specialty lines.
Expert Insured: Policy lifecycle system managing issuance, endorsements, and renewals.
Premium Accounting: Insurance native accounting for agency bill, direct bill, trust, and reconciliation.
CoverPay : Premium collection by Card and ACH for MGAs, wholesalers and carriers, with payment tracking and reconciliation support.
Insurance BPO: Embedded teams executing submissions, underwriting support, servicing, and compliance.

Operational services are most effective when integrated directly with the core platform capabilities.