The Logic Layer For Modern Insurance

Connected Intelligence
Powering P&C Profitability

Insurance lifecycle intelligence to build, govern, and deploy enterprise-grade assets that adapt at the speed of risk.

Adapt with Market Changes
In Real-Time with AI-Power

Coherent unifies how insurance logic is created, controlled, executed, and evolved. Replace fragmented spreadsheets and handoffs with a governed lifecycle built for modern pricing, underwriting, and product teams.

Property & Casualty Insurance

Why Carriers Choose Coherent

Faster product change cycles — update pricing, rating, and underwriting rules instantly

Deterministic, explainable automation — no black-box AI
Full governance and auditability — built for regulated environments
Spreadsheet-to-enterprise transformation —Excel to restful API
True integration fabric — feed logic into PAS, UW tools, portals, and distribution
Portfolio-aware adaptiveness — detect drift, recommend adjustments, and deploy safely

Build Faster

Transform spreadsheets rating, underwriting, and business logic instantly

Deploy Everywhere

Instantly deploy logic from Excel as APIs, integrate with PAS without heavy IT lift

Govern Confidently

Wrap modern risk and compliance controls around how teams work.

One platform.
End-to-end unified intelligence.

Insurance is always evolving. Coherent connects the entire lifecycle—how you build, govern, execute, analyze, and refine logic to keep decisions aligned with the market.

01 - Logic Creation & Modeling

Build insurance logic faster, smarter, and with complete transparency

Import your existing Excel rating models, visualize dependencies, and construct new appetite rules in a transparent, deterministic environment.

LOGIC CREATION & MODELING

Excel → Restful API
Rule Construction
Full Lineage
Deterministic AI Assist

Turn insurance logic into an enterprise asset

Excel -> API conversion in minutes

Convert insurance logic into governed, enterprise-ready APIs

Visual rule builder

Create pricing, appetite, capacity, and eligibility rules in a structured environment

Deterministic AI assistance

Surface inconsistencies and optimization opportunities instantly

02 - Governance & Control

Insurance-grade versioning, approvals, and compliance

Replace email chains with enforceable audit trails. Manage versioning, automate approval workflows, and ensure every rate change is documented, tested, and compliant before production. Human-in-the-loop approval flows that regulators and audit teams love. Promote logic to production with impact assessment, automated testing, and complete policy transparency.

GOVERNANCE & CONTROL

Version Management
Configurable Approval Workflows
Automated Testing & Validation
Release Management and Change Evidence

Bring Oversight and Control to Rating

Complete version control

Track every revision with full lineage and reproducibility

Automated approval workflows

Route updates to the right reviewers with predictable turnaround

Full compliance transparency

See what changed, why, who approved it, and the expected impact

03 - Decision Execution

Run your logic
everywhere, instantly

Deploy pricing and underwriting logic as high-performance APIs. Power quotes, portals, and underwriting decisions and workbenches simultaneously—all from one source of truth.

DECISION EXECUTION

High-Performance APIs
Real-Time Quotes
Appetite Execution
Multi-Channel Deploy

Your pricing and underwriting logic, running everywhere

High-performance APIs

Execute logic at scale with deterministic, production-grade speed

Real-time rating

Power instant, transparent calculations for any line or product

Multi-channel deployment

Serve the same logic to policy admin, underwriting tools, portals, and distribution

04 - Product & Portfolio Analysis

Turn your book into a strategic engine

Analyze how pricing logic performs across your entire book before issues hit loss ratios. Run simulations, compare versions, and pinpoint exactly which components drive premium impact. Waterfall analysis shows exactly which logic components drive premium movement. Scenario planning for rates, rules, deductibles, appetite—all safely tested before going live.

PORTFOLIO & PRODUCT INSIGHT

Full-Book Simulation
Dislocation & Waterfall Analysis
Rate & Rule Scenario Planning
Portfolio Aware Pricing

Turn your book of business into a strategic engine for
pricing and underwriting

Full-book simulation

Forecast portfolio impact across historical or in-force data

Waterfall analysis

Identify which rules and factors drive premium movements

Scenario planning

Stress-test rate and rule changes before promoting to production

ADAPT

05 - Adaptive Insurance Logic

Logic that adapts to risk with complete control

When performance diverges from expectations, Coherent detects drift early and recommends governed updates to pricing, rules, and thresholds. Adjust quickly while maintaining full control.

ADAPTIVE INSURANCE LOGIC

Drift Detection
Correction Recommendations
Governed Adjustments
Portfolio Testing

Self-correcting products governed by explicit tolerances, with human-in-the loop automations

Drift detection

Spot early signs of underperformance across segments and territories

Transparent recommendations

Receive rule-based guidance backed by clear reasoning

Rapid re-rating

Test proposed changes across your entire book instantly

Integrations that do
more than move data

Connect to Duck Creek, Guidewire, Salesforce, and your distribution channels in minutes. Deploy updates once, and your entire ecosystem executes the same logic in real-time—no version conflicts, no manual syncing.

“Coherent lets us modernize without losing what makes Excel so powerful. It’s flexible, fast, and easy to connect to anything. For small data, heavy logic work — nothing else compares.”

- Actuarial Software Development Lead, Global Tier 1 Specialty Insurer

Performance slips when decisions fall behind

Traditional operating models surface issues only after results slip. Coherent brings continuous visibility and controlled updates so insurers can respond earlier and keep performance on track.

The Legacy Reality

✘ Critical rating logic is locked in offline files, forcing manual re-keying and risking costly errors.
✘ Loss ratio spikes and performance gaps hide in the data until post-mortem reviews months later.
✘ Even minor rate tweaks wait weeks for engineering sprints, forcing products to lag behind the market.
✘ Opaque AI or complex codebases hide why a price changed, creating regulatory friction.
✘ Rating engines, PAS, and portals run on different versions, causing quote errors and leakage.
✘ Profitability erodes quietly while teams scramble to manually diagnose the root cause of leakage.

What Coherent Enables

✔ Excel models convert instantly to secure APIs, creating a single, synchronized source of truth across the enterprise.
✔ Real-time drift detection spots anomalies immediately, triggering instant alerts and corrections.
✔ Actuaries and underwriters adapt logic instantly within governed safety rails—zero IT coding required.
✔ Every decision is deterministic and traceable. See exactly which rule or factor drove the price, down to the cell.
✔ Real-time execution deploys the same logic to every channel, eliminating mismatched quotes and leakage.
✔ Portfolio-aware intelligence reveals the source of deterioration quickly, enabling rapid, surgical repair.

Built to deliver impact
across every business function

Rating & Pricing

Deploy end-to-end rating workflows in minutes

Turn Excel-based models into live quote engines that power new products and distribution. Launch instantly across Salesforce, Duck Creek, Guidewire, or partner portals—all without recoding. Go to market with new concepts faster, adapt pricing in real time, and accelerate growth with business-led control.

Explore our Rating solution

Read the case study

Launch New Products Faster

Turn rating logic into deployable APIs that integrate with systems like Duck Creek or Guidewire in a fraction of the time.

Make Mid-Cycle Updates Instantly

Publish updates directly from Excel—safely and quickly—without getting stuck in an IT backlog.

Build Custom Tools from Existing Logic

From quote calculators to broker portals, reuse your logic anywhere by connecting Excel seamlessly to custom front ends.

Claims Reserving

Govern reserving logic with full version control, auditability, and reuse across lines of business.

Actuarial Modeling

Run tests, analyze scenarios, and standardize assumptions without rebuilding your models.

Admin System Calculations

Give actuarial and business teams more flexibility in ownership of calculation development.

Proof that transformation doesn't have to be disruptive

Multinational life insurer

99.6%

faster modeling runtime

Top-tier specialty insurer

90 days

from pilot to production

A++ rated group benefits carrier

80%

faster product launches

Fast-growing insurance services firm

$450K

development cost reduction

Premier U.S. insurance provider

60%

increase in revenue

Top 5 P&C Carrier

20x

faster speed to market

Deterministic by design

AI monitors and recommends, but never executes. Your logic runs transparently—100% auditable, zero black boxes.

Enterprise-grade security

SOC 2 Type II certified. Your models, data, and business logic remain protected with institutional-grade security controls.

Deploy on your terms

SaaS for speed, hybrid for flexibility, on-premises for control. Coherent adapts to your security requirements and data residency needs.

Discover the #1 P&C Insurance Lifecycle Intelligence

Accelerate efficiency and profitability across your organization

Still have questions?

What’s the fastest way for P&C insurers to launch new products from Excel rating models?

The fastest way is with Coherent, the automation and intelligence platform built for P&C insurers. Coherent converts Excel-based pricing and rating models into live APIs that integrate with policy admin systems, quoting tools, broker portals, and claims platforms. Instead of rebuilding models in code, actuaries and product teams can publish updates straight from Excel—cutting launch timelines by over 60% and eliminating the IT backlog that slows product launches.

How can insurers reduce errors in rating and underwriting logic before deploying to production?

The best approach is using Coherent to scan Excel models and automatically detect high-risk formulas, broken references, duplicate logic, and even exposed PII. Coherent builds a complete map of models, owners, and dependencies, so issues are flagged before they hit downstream systems. This gives actuaries and underwriters confidence that product updates are accurate, compliant, and production-ready—protecting loss ratios and avoiding costly rework downstream.

How does Coherent fit into existing P&C systems?

Coherent is designed to integrate directly with policy admin, quoting, claims, and analytics platforms—including Duck Creek, Guidewire, Salesforce, Snowflake, and Majesco. By turning Excel logic into modular microservices, Coherent allows P&C insurers to modernize rating and underwriting processes without replacing their core systems or investing in costly custom development. Coherent fits into your existing architecture, extending the value of platforms you already use.

What makes Coherent different from other modernization tools?

Unlike traditional modernization platforms that require a full rebuild, replatforming, or heavy IT resourcing, Coherent reuses the business logic your teams already trust. It transforms Excel models into governed, production-ready APIs without disruption. This means actuaries can launch products faster, underwriters can apply rates and rules more flexibly, and IT can significantly reduce development and resourcing costs while ensuring compliance. Coherent’s platform delivers speed and control without sacrificing accuracy or transparency, setting it apart from black-box or code-heavy alternatives.

What are best practices for modernizing Excel models in P&C insurance?

Best practices center on reusing trusted models, applying governance, and integrating with existing systems rather than starting from scratch.

Coherent enables P&C insurers to:

Reuse the rating and underwriting models already built in Excel, avoiding costly rebuilds.
Apply governance with version control, audit trails, and approvals so changes are always tracked.
Deploy models as APIs that connect directly to policy admin, quoting, and claims platforms.
Continuously monitor for errors, dependencies, and risks across the spreadsheet estate.

This approach lets insurers modernize faster, experiment with niche markets, reduce risk, and keep actuaries and underwriters working in the tools they know best—while IT ensures scalability and compliance.