Carrier Rater Integrations

BindPilot integrates directly with major carrier rating platforms and APIs to deliver comparative quotes.

Live Integrations

BindPilot currently rates the following carriers via their APIs:

| Carrier | Lines | Status | Response Time | |---------|-------|--------|----------------| | State Farm | HO, Auto, Umbrella | Live | 15–30s | | Travelers | HO, Auto, Commercial | Live | 20–40s | | GEICO | Auto, HO | Live (Limited) | 10–20s | | The General | Auto | Live | 15–25s | | Allstate | HO, Auto, Umbrella | Planning (Q2 2026) | — | | Liberty Mutual | All Lines | Planning (Q3 2026) | — |

Carrier APIs Used

Behind the scenes, BindPilot uses:

• Carrier Direct APIs — Direct integration with carrier rating engines
• PLRating — Third-party rating aggregator for multiple carriers
• ITC TurboRater — Workers Comp and specialty lines
• Custom SFTP/EDI — Some carriers require proprietary formats

You don't manage these directly; BindPilot handles the plumbing.

Real-Time Rating

When you click Shop All Carriers, BindPilot:

1. Queries each carrier's rating API in parallel (not sequential)
2. Sends risk data (client, property, coverage needs)
3. Receives quote (premium, endorsements, limits)
4. Aggregates results and ranks by premium + fit (30–60 seconds total)

If a carrier times out (>5 min), BindPilot marks as "Delayed" and retries in 5 minutes.

Planned Integrations (2026)

Q2 2026:

• Allstate API
• More P&C carriers (partnerships in discussion)

Q3 2026:

• Specialty carriers (E&O, professional liability)
• International carriers

2027:

• Health insurance (planned as separate product)

Manual Rating

For carriers not yet integrated, you can:

1. Manual Quote — Go to carrier portal directly, get quote, enter premium in BindPilot
2. Email Request — Email carrier; they respond with quote; you enter into BindPilot
3. Phone Quote — Call carrier; record premium in BindPilot

BindPilot's comparative interface still shows your manual quotes side-by-side with API quotes.

Rating Accuracy

BindPilot rates based on:

• Risk information you enter (address, coverage, claims history)
• Carrier appetite settings (you configure)
• Current rate files (auto-updated monthly from carriers)

Accuracy caveats:

• Some carriers require underwriting review (rates quoted are preliminary)
• Manual underwriting riders (e.g., roofing, land use) may change final premium
• Quotes are typically good for 30 days; carrier may adjust upon binding

Always notify your client that final premium is subject to underwriting approval.

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