Insurity Rating vs Earnix

IRInsurity Rating9.0Visit Earnix8.4Visit

Higher score IR Insurity Rating #3 in Insurance Rating Software 9.0/10 Pricing on request ✓ 2 of 2 features Visit Insurity

vs

Earnix #6 in Insurance Rating Software 8.4/10 Pricing on request ✓ 1 of 2 features Visit Earnix

• Insurity Rating fits best

  Commercial carriers rating complex P&C products

• Earnix fits best

  Insurers prioritizing pricing optimization

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Side by side

Feature	IRInsurity Rating 9.0/10 Visit ↗	Earnix 8.4/10 Visit ↗
At a glance
Editor score	9.0	8.4
Ranking	#3 in Insurance Rating Software	#6 in Insurance Rating Software
Best for	Commercial carriers rating complex P&C products	Insurers prioritizing pricing optimization
Pricing model	Paid	Paid
Starting price	Pricing on request	Pricing on request
Free plan	Not checked yet	Not checked yet
Free trial	—	—
Deployment	Cloud	Cloud
Platforms	Web	Web
Built for	Mid-market, Enterprise	Mid-market, Enterprise
Features Insurity Rating 2/2 · Earnix 1/2
Rate versioning	✓ (best)	Not checked yet
API access	✓	✓
Specs
Rating configuration	Not checked yet	Hybrid
Quote channels	Internal	Not checked yet
Supported product lines	General liability; businessowners policy (BOP); commercial auto; commercial P&C	property and casualty; life and health insurance
Deployment	Cloud	Cloud
Our review
Pros	Normalizes machine-readable bureau content and applies carrier-specific rules Supports effective-dated changes with historical references Rates GL, BOP and commercial auto through standards-based APIs	Combines insurance product and rate configuration with pricing analysis. Configurable rating logic supports centralized rating capabilities. API-based integration supports quote and pricing decision workflows.
Cons	Pricing requires contacting sales Focused on commercial P&C rather than broad insurance needs Quote channels are internal	Pricing is handled through contact sales. Published details offer limited visibility into versioning and testing. Not positioned for teams outside mid-market or enterprise insurers.
Our verdict	Insurity Rating, presented on Insurity’s current site as Ratio Content and Rating Engine, is a cloud rating and regulatory content engine for admitted commercial property and casualty carriers. It is aimed at mid-market and enterprise… Read the review →	Earnix provides cloud software for insurers to design products, configure rating logic, optimize pricing and support quote decisions. It is aimed at carriers seeking centralized pricing and rating capabilities across property and casualty,… Read the review →

Strengths and trade-offs

• Insurity Rating — where it wins

  • Normalizes machine-readable bureau content and applies carrier-specific rules
  • Supports effective-dated changes with historical references
  • Rates GL, BOP and commercial auto through standards-based APIs

  Where it doesn't

  • Pricing requires contacting sales
  • Focused on commercial P&C rather than broad insurance needs
  • Quote channels are internal

• Earnix — where it wins

  • Combines insurance product and rate configuration with pricing analysis.
  • Configurable rating logic supports centralized rating capabilities.
  • API-based integration supports quote and pricing decision workflows.

  Where it doesn't

  • Pricing is handled through contact sales.
  • Published details offer limited visibility into versioning and testing.
  • Not positioned for teams outside mid-market or enterprise insurers.

• IRInsurity Rating9.0/10 · Pricing on request

  A cloud rating engine for carriers managing commercial lines, bureau content and policy-system connections.

  Visit InsurityFull verdict →
• Earnix8.4/10 · Pricing on request

  Cloud insurance software pairing configurable rating with pricing optimization.

  Visit EarnixFull verdict →