Rate, Quote & Bind
Multi-Carrier Rating, Quote & Bind in One Platform
Connect carrier APIs, SelectRate ISO rating, AAIS and proprietary rating into one underwriting workflow from submission through quote, bind and issuance.
SelectConnectDistribution & ConnectivityConnects submissions across carrier APIs, rating sources, data, underwriting workflows and policy systems.RQBRate, Quote & BindThe established quote-and-bind workflow within SelectConnect.SelectRateISO Rating PlatformStandalone configurable ISO rating platform.Expert InsuredPolicy AdministrationPolicy lifecycle management: issuance, endorsements, renewals and servicing.
The architecture
RQB within SelectConnect
RQB is the established Selectsys rate, quote and bind workflow. It sits inside SelectConnect, the broader distribution and connectivity architecture that carries one submission out to the rating, data, underwriting and policy systems an MGA, wholesaler or carrier already runs.
One Submission
SelectConnectDistribution & ConnectivityEnter it once. Connect it everywhere.
RQB · Rate, Quote & BindThis page. Multi-carrier, multi-LOB quoting and binding with rules, referral routing and authority controls.
SelectRate & bureau ratingSelectRate for ISO, plus AAIS and other bureau content. SelectRate is a standalone platform, not a component.Carrier APIsDirect carrier connectivity, plus non-API and manual carrier workflows.
Proprietary & third-party ratingProgram-specific and external raters alongside bureau content.
Data & prefillProperty, vehicle, hazard and business data enrichment on the submission.
Appetite & eligibilityClass, state, exposure and program rules applied before a quote is returned.
Underwriting workflowsUnderwriter Workbench for review, referral, rating results and decisioning.
AMS & policy systemsExpert Insured and third-party systems of record.Quote→Bind→Issue
RQB keeps its name, this page and its existing integrations. Programs use what they need: a program can run on carrier APIs alone, on SelectRate alone, or on several sources at once.
Quoting and Binding as an Execution System
RQB connects commercial and specialty rating across multiple carriers, programs and lines of business. Use carrier APIs, SelectRate for ISO-based programs, AAIS rating and proprietary rating within one quoting and underwriting workflow.
Multi-Carrier, Multi-Line Quoting
- Quote WC, GL, Auto, Property, Cyber, and more
- Chain quotes for bundled workflows
- Filter by state, LOB, premium, and class code
Integrated Bind + Document Generation
- Generate bind requests
- Push quotes and binds to carriers via API or document handoff
- Return issued policies and quote records to AMS
API + Bureau + Proprietary Rating
- Connect directly to carrier rating APIs
- Connect SelectRate for ISO-based commercial programs
- Support AAIS and proprietary program rating
- Support non-API and manual carrier workflows
Producer and Underwriter Modes
- Restrict visibility or quoting permissions by role
- Full quote history and submission tracking
Configurable Rules + Triggers
- Set quoting thresholds, risk flags, referral routing
- Preload appetite rules or carrier preferences
Connect SelectRate to RQB
SelectRate provides configurable ISO rating for commercial insurance programs. Connect SelectRate to RQB to bring ISO-based programs into the same multi-carrier quoting and underwriting workflow as carrier APIs, AAIS and proprietary rating.
SUBMISSION
RQB
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UNDERWRITER WORKBENCH
RQB is not just a quoting tool. It is the orchestration and underwriting layer that standardizes how submissions are evaluated, rated across multiple markets, compared, quoted and prepared for binding.
For ISO-based commercial programs, RQB can connect directly with SelectRate, allowing the same submission to flow from ISO rating into multi-carrier comparison, underwriting and quote-bind workflows.
For MGAs operating AAIS commercial lines programs, RQB applies AAIS rating logic and underwriting rules consistently before bind.
By enforcing rules, thresholds, and data consistency at the point of quote, RQB protects downstream issuance, renewals, accounting, and audit from rework and exceptions.
In production, RQB connects rating and underwriting to downstream policy administration, servicing and renewal workflows, feeding clean, validated data into the systems that follow.
After bind, RQB can connect the completed transaction to downstream policy administration and payment workflows, including CoverPay for premium collection and payment processing.
Looking for state-specific quoting solutions?
See how we’ve deployed RQB in Florida for MGAs and wholesalers, including support for high-volume property and flood quoting during CAT season.
See how we’ve deployed RQB in Texas for MGAs and wholesalers, including support for energy, coastal property, and high-volume wind coverage quoting.
How RQB Fits Into the Insurance Lifecycle
RQB sits between submission and downstream policy administration, bringing rating sources, appetite, underwriting and multi-carrier quoting into one controlled workflow.
- Standardizes submission intake and quote preparation
- Connects SelectRate, carrier APIs, AAIS and proprietary rating
- Applies appetite, eligibility and underwriting rules
- Compares eligible carrier and program options
- Supports underwriter review, referral and decisioning
- Controls quote and bind workflows
- Feeds policy-ready data into Expert Insured or other downstream systems
Read the Modern Insurance Operating Model Explore Insurance BPO Services
Use Cases
RQB supports high volume execution across underwriting, producer, and carrier workflows where speed, consistency, and data quality directly impact bind rates.
Operating in high-volume markets like California?
See how MGAs are using RQB in California to streamline quoting across GL, Property, BOP, and Umbrella-even in wildfire zones.
Related insights:
MGAs and wholesalers looking to streamline submission-to-bind processes can benefit from understanding what a multi-carrier quoting platform really entails. RQB simplifies the journey from rate to quote to bind, giving teams speed and flexibility.
Curious how RQB compares to legacy tools? Our side-by-side analysis in RQB vs PL Rating: The Real Difference for MGAs and Wholesalers breaks it down clearly.
Speed matters. In fact, real-time insurance quoting with RQB helps carriers and MGAs bind more business by cutting prep time by up to 80%.
If you’re exploring automation, this deep dive on automating rate, quote, and bind workflows shows how teams execute faster without sacrificing compliance.
And if you're pairing RQB with an AMS like Expert Insured, learn why Expert Insured vs AMS360 gives MGAs a purpose-built advantage over retail agency systems.
Want to see how MGAs are quoting 5x faster? Read how RQB cuts quote turnaround and boosts broker engagement.
Integration Options
Connects with SelectRate, Expert Insured, AMS platforms and custom insurance systems.
Can be embedded into producer portals or CRMs.
REST APIs support submission, rating, quote, document and bind workflows.
FAQs
What lines of business does RQB support?
RQB supports commercial and personal lines across multiple rating sources and programs, including General Liability, Workers' Compensation, Commercial Auto, Property, BOP, Cyber and specialty lines.
Can RQB support my non-admitted carriers or surplus lines?
Yes. You can configure RQB to handle quoting, bind, and document generation for E&S carriers, even if they don’t have APIs.
What if my carriers don’t support API bind?
RQB supports “quote-and-send” workflows - where bind requests and final docs are generated and pushed via email or intake portals.
Can I restrict carrier visibility by program or broker?
Yes. Carrier availability, limits, and rules can be configured by line of business, territory, or user role.
Can RQB be used by retail agents?
Yes. RQB can be deployed as a producer-facing portal, with quote history, document upload, and prefill enabled.
Can RQB be branded for our MGA or portal?
Yes. RQB can be white-labeled and embedded in producer portals with your branding, workflows, and permissions.
Modern Quoting for Every Line of Business
RQB supports multi-carrier quoting and underwriting workflows across personal, commercial and specialty lines, including:
- General Liability
- Property
- Builders Risk
- Auto Guard
- Workers Comp
- Cyber
- Professional Liability
- Tech E&O
- Excess
- Flood
- Cargo
- Health
- Occupational Accident
Connected to the Carriers and Platforms That Matter
RQB connects carrier APIs, rating platforms, bureau rating, MGAs and third-party data sources into multi-carrier quoting and underwriting workflows.
- 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.
Run Quoting as a Controlled System
See how RQB can connect your rating sources, carrier markets and underwriting workflow from submission through bind.
Multi-Carrier Rating & Quoting Resources
Multi-carrier rating and quoting platforms connect rating sources, underwriting rules and carrier workflows so one submission can be evaluated across multiple markets.
Connected Across the Insurance Lifecycle
RQB can operate independently or connect with Selectsys platforms across the insurance lifecycle.
Use RQB independently or connect it with SelectRate and other Selectsys platforms as your operation requires.
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