California workers’ comp renewals
Post a renewal once — with an AI-prepared underwriting package — and approved carriers bid the premium down against a countdown clock. You bind the winner. That’s the whole product.
Two sides, one auction. Here’s each side’s three steps.
Enter the basics — payroll, X-Mod, effective date. AI reads the documents, pre-fills the underwriting fields, and drafts a marketing narrative. You review, edit, approve, publish.
Carriers submit fully-loaded “out-the-door” premiums. Every new lowest quote must beat the leader by at least 5%. You see every carrier, every quote, full history.
Accept any active quote — the auction closes, everyone is notified, and a post-bind workspace opens to track subjectivities and final documents.
Every listing shows industry, payroll band, X-Mod, geography, and expiring premium — but not the insured’s name. Filter to what fits your appetite.
Submit one valid quote and the complete underwriting room opens: documents, loss narrative, AI risk summary, and an anonymous Q&A line to the broker.
Revise as often as you want. You always see the leading premium and exactly what it takes to beat it. You never see who you’re bidding against.
A posted renewal has no deadline until a carrier quotes. The first quote starts the countdown.
A quote only takes the lead if it’s at least 5% below the current leader — and taking the lead resets the clock to 72 hours.
No auction runs longer than two weeks, no matter how many times the clock resets.
The broker isn’t forced to wait for the timer — any active quote can be accepted immediately, including automatic “instant bind” when a quote drops below the broker’s target.
This is a live demo environment with realistic seeded data — a live auction, a published listing waiting for its first quote, and a bound deal. Pick a seat and click a name. No signup needed.
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