Insurance Rating, Underwriting, Automation & Modernization Schedule Demo

Insurance Product Builder

Build Enterprise Commercial Insurance Products Faster

Enterprise Commercial Insurance Product Builder

SelectRate Product Builder allows insurance organizations to create new commercial insurance products without developing new software applications. Product managers, underwriting teams, actuaries, and business analysts assemble products using configurable business components including ISO and NCCI bureau content, carrier specific deviations, pricing rules, underwriting logic, forms, and product governance. Instead of building software, organizations build insurance products.

From Product Idea to Production

Every commercial insurance product follows the same lifecycle.

The Product Builder provides one governed environment for the complete product lifecycle.

What Is an Insurance Product Builder?

An Insurance Product Builder is a configurable platform used to design, configure, and manage commercial insurance products throughout their lifecycle.

Instead of relying on developers to make every product change, business users can configure:

Everything is managed through configuration rather than software development.

Built for Commercial Insurance

SelectRate supports every major commercial insurance product.

General Liability
Workers Compensation
Commercial Property
Commercial Auto
Builders Risk
Inland Marine
Professional Liability
Cyber Liability
Umbrella
Excess Liability
Employment Practices Liability
Directors & Officers

Each product is built from reusable components while maintaining independent business rules.

Product Configuration

Configure complete insurance products from one platform.

Manage:

  • Products
  • Programs
  • Carriers
  • States
  • Coverages
  • Limits
  • Deductibles
  • Eligibility
  • Underwriting
  • Pricing

Business users configure products without software development.

Rating Configuration

Configure ISO and NCCI bureau content, carrier specific deviations, pricing logic, reusable formulas, and premium calculations from one centralized environment.

Configure:

  • Rating Variables
  • Rating Formulas
  • Bureau Content
  • Carrier Pricing
  • Lookup Tables
  • Premium Calculations
  • Rating Worksheets
  • Rating Trace

The same rating engine supports every commercial insurance product. Learn more about Commercial Insurance Rating Engine, Insurance Formula Builder.

Underwriting Configuration

Build underwriting rules visually.

Configure:

  • Eligibility
  • Refer to Company
  • Judgment Rates
  • Consent to Rate
  • IRPM
  • Experience Rating
  • Approval Rules

Underwriting becomes part of the product definition. Learn more about Underwriting Rules Engine.

Coverage Builder

Configure insurance coverages without coding.

Manage:

  • Coverage Options
  • Coverage Limits
  • Sublimits
  • Deductibles
  • Waiting Periods
  • Coinsurance
  • Optional Coverages
  • Mandatory Coverages

Coverage configuration remains reusable across products.

Forms Builder

Automatically associate documentation with products.

Configure:

  • Policy Forms
  • State Forms
  • Carrier Forms
  • Endorsements
  • Supplemental Applications
  • Questionnaires

Documentation automatically follows the active product version. Learn more about Forms Management, Endorsement Management.

Workflow Builder

Every commercial insurance product includes configurable operational workflows covering quoting, underwriting, approvals, policy servicing, renewals, endorsements, and releases.

Supports:

  • Quote
  • Bind
  • Refer
  • Decline
  • Endorsements
  • Renewals
  • Cancellations
  • Product Releases

Business workflows become part of product configuration.

Product Lifecycle Management

Every product moves through a governed lifecycle before production deployment.

Supports:

  • Product Creation
  • Product Configuration
  • Product Testing
  • Product Approval
  • Effective Dates
  • Production Release
  • Audit History

Products follow structured governance from creation through retirement.

Automated Testing

Every commercial insurance product is validated before production using integrated testing capabilities.

Automatically test:

  • Premium Calculations
  • Rating Formulas
  • Underwriting Rules
  • Product Configuration
  • APIs
  • Regression Scenarios

Testing becomes part of the product development lifecycle.

API First Architecture

Every approved product becomes immediately available throughout the SelectRate platform and connected enterprise applications.

Integrate with:

  • Agency Management Systems
  • Policy Administration Systems
  • Broker Portals
  • Customer Portals
  • Mobile Applications
  • Third-Party Applications

No additional development is required to expose product functionality. Learn more about Insurance Rating API

Enterprise Governance

Every product follows enterprise governance.

Track:

  • Product Versions
  • User Activity
  • Approval History
  • Deployment History
  • Audit History
  • Formula Changes

Organizations maintain complete visibility across every product.

Bureau Integration

Build bureau-based products from one platform.

Supports:

Carrier specific products extend ISO and NCCI bureau content without duplicating product configuration. Learn more about Insurance Rating Bureaus

Related Resources

Build Better Commercial Insurance Products Faster

Accelerate commercial insurance product development using SelectRate. Build, govern, test, approve, and deploy enterprise commercial insurance products through one centralized product management platform.

Frequently Asked Questions

An Insurance Product Builder is a configurable platform used to create, manage, test, and deploy commercial insurance products without software development.

Yes. Product managers, underwriters, actuaries, and business analysts can configure products without writing code.

Yes. SelectRate supports General Liability, Workers Compensation, Commercial Property, Commercial Auto, Builders Risk, Inland Marine, Cyber Liability, Professional Liability, Umbrella, Excess Liability, EPLI, D&O, and specialty commercial products.

Yes. Every product is validated through automated testing, regression testing, premium comparisons, and API testing before production deployment.

Yes. Every product built with SelectRate is automatically available through secure REST APIs for enterprise integrations.