Insurity Rating review

Reviewed by iTechGuides Editors · Editorial team · Updated Oct 2026

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 insurers that need to apply their own product decisions to bureau content and return rating logic to existing policy administration systems. Supported lines include general liability, businessowners policies (BOP) and commercial auto, as well as multistate and package policies.

The central capability is its handling of content and carrier rules together. It ingests and normalizes machine-readable bureau rates, rules, forms and related content, then applies carrier-specific coverages, factors, rules and product decisions. Rating calculations, form selection and attachment, and statistical code assignment are also supported. Effective-dated product changes and historical references help maintain distinctions between current and prior product logic. This scope suits carriers that need governed rating across more than one policy system; it may be more than a fit for organizations seeking a simple quote tool or coverage outside commercial P&C.

Integration is a defining part of the product’s role: standards-based APIs connect it to policy administration systems, and API access is listed. According to Insurity’s current product description, the engine is designed to deliver governed logic across multiple policy systems. Pricing is not published; the vendor directs prospects to book a demo, so buyers should expect a sales conversation to understand commercial terms. Carriers evaluating it should weigh the value of externalized, reusable rating logic against that procurement process and their need for commercial-line content and internal quote channels.

Insurity Rating pros and cons

• 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  • Supports effective-dated changes with historical references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

Insurity Rating fact sheet, pricing and score →

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Last updated 7 Oct 2026 · How we research and update