Products are configuration, and the rating engine writes nothing

Product Factory

A product is a class of business plus the coverages it grants, the perils behind them, the questions it asks, the wordings it attaches and the tables it is rated on. The quote line and the premium line call the same engine, so a quote and the policy it becomes cannot disagree — and a readiness check refuses to put a half-built product on sale.

One product, taken apart

Coverages with their limits, deductibles and rating basis, then terms, proposal questions, wordings, required documents and statutory levies — and Check Readiness, Rate Bench and Rate Impact on the header.

66 coverage types

Shared across every product, so two products cannot mean different things by the same word.

353 insured risks, seven shapes

Vehicles, property, people, liability, cargo, plant and other — each shape its own form and its own rating inputs.

A rate table, versioned

Up to three axes of exact values or ranges, an in-force date and a superseded state — a rate change is a new version, never an overwrite.