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Global insurance premiumpriced on AllegoryOS 0.04000%

Run the whole insurance company.

The AI operating system for insurance. Build insurance products, price risk, and run underwriting from a single system, from your first policy to your millionth.

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$3.2BPremium priced
100MCoverages priced
5 minSubmission to bindable quote
$5M+GWP/FTE
6XQuote velocity
2M+Submissions quoted

AllegoryOSThe system of record for risk.

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AllegoryOS powers underwriting for insurers and MGAs writing more than $30B in premium.

A modern commercial facility with trucks and loading bays

Commercial

General liability, commercial property, professional liability, commercial auto, and package products.

Explore commercial lines

Price any risk. Stay ahead of the market.

Build, publish, and change insurance pricing models without waiting on engineering.

Explore Pricing Factory Book a demo
Commercial Cyber Rating Model159 calculation steps
In productionVersion 9
ConstantBase premium$12,400
LookupBusiness interruption limitCoverage input
LookupReputational harm limitCoverage input
LookupExtortion costs limitCoverage input
MultiplyLimit factor
MultiplyControl factor
AddCyber limit modifier17 values
Annual premium$24,860

18 calculation sets

Every operation required to build and explain an insurance price.

Constant
Add
Subtract
Multiply
Divide
Power
Average
Min
Max
Lookup
IfElse
And
Or
Round Up
Round Down
Count
Date Diff
Date + Years
Explore every operation

Build and ship an insurance product in 3 weeks.

Turn a complete product book into governed data, rules, pricing, and policy documents.

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AllegoryOS3 weeks
Product book to production
Conventional delivery24+ weeks
Multiple teams and repeated handoffs
Commercial CyberProduct Factory · Version 4

Product Factory Data Model

5 sections, 235 fields
  1. Policyholder Information3 groups, 19 fields
  2. Risk Information5 groups, 28 fields
  3. Loss History3 groups, 16 fields
  4. Coverages & Endorsements6 groups, 124 fields
  5. Pricing & Premium5 groups, 48 fields

A single source of truth with 4,000+ fields

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AI Extractable62% of the data inventory
Human-provided20% of the data inventory
Calculated by the engine18% of the data inventory
Each dot represents one fieldAllegoryOS Data Inventory as of · Continuously expanding

Define once, reuse everywhere

AllegoryOS Data Inventory

Annual revenue

Revenue over a 12-month period

  • AI Extractable
  • Currency
  • Required
  • Confidential
  • Non PII
  • Corporate

  • Products

    Annual revenue

  • Underwriting

    Annual revenue

  • Pricing

    Annual revenue

  • Documents

    Annual revenue

  • Analytics

    Annual revenue

  • Bordereaux

    Annual revenue

Explain any premium to the cent.

Prevent premium leakage, run continuous audits, and file rates at the speed of compute.

Explore calculation traces Book a demo
Calculation traceIllustrative · 12 steps
Annual premium$4,631.25
  1. #12ADDAnnual premium$4,631.25
  2. #11MULTIPLYPremium tax$0.00
  3. #10SUBTRACTNet premium$3,705.00
  4. #9SUBTRACTCommission$926.25
  5. #8DIVIDEGross premium$4,631.25
  6. #7ADDCoverage adjustments$600.00
  7. #6MULTIPLYControls adjustment$3,105.00
  8. #5MULTIPLYLimit adjustment$3,450.00
  9. #4MULTIPLYIndustry adjustment$3,000.00
  10. #3MULTIPLYBase premium$2,500.00
  11. #2CONSTANTBase rate0.05%
  12. #1CONSTANTAnnual turnover$5,000,000

Scroll to inspect the trace

AllegoryOS

Review submission data and its source evidence side by side, then price the risk without leaving the workspace.
Underwriting desk
Define the governed product schema once, then reuse its fields across submissions, pricing, and documents.
Product builder
Build transparent pricing logic from reusable field inputs, operators, lookups, and decision steps.
Rating engine
Govern reusable insurance fields across products, pricing, underwriting, documents, and reporting.
Data inventory
Build policy documents from governed product data and export them without disconnected templates.
Documents
See how every pricing input, decision, lookup, and output connects across the model.
Model graph

Newsroom

Ideas for the next insurance era.

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