Eliminate costly errors, accelerate time-to-market, and protect profitability with VeriQuant — the no-code rating validation platform for P&C carriers.
Leakage prevented · YTD
$214M+
Scenarios validated
1.8B
States · LoBs covered
48 / 12
Filing-cycle compression
~50%
Leakage caught, weekly
Actuaries design the rates. The policy admin system executes them. The gap between the two — a mis-keyed factor, a config drift, a rounding rule that didn’t survive the release — charges the wrong premium on every policy, silently, until someone proves otherwise.
UAT confirms the system runs. It does not confirm the system is right. That is the gap — and the only way to close it is to validate what the rating engine actually produces against what pricing intended. Every rate. Every line of business. Every release.
Anatomy of leakage
Pricing intent
What the actuaries designed — the rate that should be charged
Rating engine output
What the system actually charges — with no error, no flag, no alert
See it in action
Pick a scenario — watch VeriQuant run against an actual PolicyCenter environment.
Demo 01
Watch VeriQuant run side-by-side with the Guidewire PolicyCenter quote screen. Edit factors, submit scenarios, create real policy quotes in seconds.
Guidewire PolicyCenter · Personal Auto
Watched it? Now see what VeriQuant is worth on your book.
Model the business caseCapabilities
Four surfaces that compress rating validation from weeks of spreadsheet work to seconds of confidence — without writing a single line of test code.
01
Actuaries, underwriters, and business analysts build validation scenarios in a web UI — no scripting, no SDK, no IT ticket. Import from Excel or define factor combinations directly.
02
Auto-expand factor combinations into thousands of test quotes and run them in parallel. Every state, LoB, tier, and rating factor — covered. No edge case slips.
03
Every rating step, every factor, every surcharge — visible. When a number disagrees, you know exactly which step broke. Audit-ready artifacts from every run.
POST /rating/quote
→ Guidewire RS
$1,247.50
base × terr × tier
500 × 1.10 × 2.27
$1,247.50
04
Validate against your live rating engine and a transparent local simulator, side-by-side. When results diverge, you know instantly whether the bug is in the engine or the spec.
// rating-rules/ca-personal-auto.js
function calculatePremium(quote) {
// Living documentation, authored by actuaries
const base = rateTable.base[quote.lob];
const territory = territoryFactor(quote.state, quote.zip);
const tier = tierFactor(quote.driverHistory);
return base * territory * tier;
}
The differentiator
Plain JavaScript your actuaries and business analysts author before development begins. It becomes the single source of truth — executable, explainable, version-controlled — living documentation developers build against.
No more 60-page Word specs that nobody reads and nobody can execute. Your requirements are your tests.
How it fits & deploys
VeriQuant isn’t a rating engine or a pricing platform. It’s the neutral validator between what your actuaries model and what customers actually see quoted — plugged in as a lightweight adapter, running entirely on your own infrastructure.
Modeling & pricing
Actuaries build models
Rating engine
Rates get calculated at quote time
Guidewire RS · Duck Creek · Majesco · Insurity · Sapiens · custom REST/SOAP
VeriQuant · Independent validation
Catch errors before they reach production.
Engine-agnostic. Low-code. Millisecond quote generation. Combinatorial coverage across states, lines, tiers, and factors.
Production
Policies priced, bound, billed
PolicyCenter · BillingCenter · customer-facing portals · agent channels
Think of VeriQuant as the CI/CD gate for your rating stack — independent, automated, and impossible to bypass.
Platform Adapter
A lightweight REST endpoint that sits beside your Insurance Platform and validates what your Rating Engine actually produces. No migration, no downtime, no data egress.
Engine-agnostic
Guidewire (certified), Duck Creek, Majesco, Insurity, Sapiens, or custom engines over REST / SOAP. VeriQuant calls the same Rating Service your policies already use.
Guidewire PC certified · REST / SOAP
Local-first
Runs entirely on-premise in your VPC — no cloud offering, no shared-tenant SaaS, no vendor telemetry. Rate tables, PII, and factor IP never leave your network.
0
cloud
0
egress
0
outbound
100%
your infra
Beyond rating · the whole estate
VeriQuant validates your premiums. But premiums live inside an estate of core platforms, integrations, and decades of legacy — and the same engine that validates your rating, Karate, tests all of it. The confidence you trust for rating is one pillar of how Karate Labs tests the entire insurance estate, end-to-end.
Velocity
Keep pace with the upgrade treadmill
Guidewire ships three updates a year. The platform regression-tests your whole estate through every one — so a rate filing or a core upgrade stops being a fire drill.
Trust
Prove it’s right, not just running
Rating correctness is one rulebook. The same oracle approach proves eligibility, underwriting, and policy logic match intent across the estate — deterministically, with audit-grade evidence.
Control
Inside your perimeter, always
Self-hosted and on-premise across the whole platform — exactly like VeriQuant. Rate tables, PII, and factor IP never leave your network.
Bring your CIO and QA leadership into the conversation — the platform is much more than rating validation.
For your role
Every VeriQuant deployment serves a three-person buying committee — each with a different Monday morning, a different KPI, a different reason to sign. Each has a dedicated workflow.
The business owner
Owns rating accuracy across the book. Premium leakage lands on their combined ratio — and the regulator knocks on their door first.
3–5%
leakage
~50%
cycle
100%
audit
The strategic buyer
Aligning technology strategy to business outcomes. Answerable to the board for whether transformation actually delivers.
5→1
tools
De-risk
upgrade
Board
ROI
The technical champion
Owner of testing strategy and toolchain. The first evaluator, the internal champion, the one who will ultimately run VeriQuant in anger.
Wk→Day
regression
~0
locators
1 DSL
BA+Dev
The business case
Model savings across leakage recovery, operational efficiency, and speed-to-market — tailored to your lines of business and DWP tier.
Generates a C-level executive summary, stakeholder talking points for CFO / CIO / VP of Pricing, and PoV scoping questions — all from your inputs.
Open the ROI calculatorIllustrative · Tier-2 carrier
$5B DWP · 2 LoBs · 25-person team
Annual value delivered
$12.3M
3-yr TCO
$3.8M
Return
3.2×
Payback
< 12 mo
Backed by
Built on Karate — the open-source testing framework with 8,800+ GitHub stars, deployed across Fortune 500 enterprises, and embedded in Guidewire’s own testing framework.
8,800+
GitHub stars
Trusted by the global developer community.
Fortune 500
Banking, insurance, financial services
JPMorgan, Visa, SAP, Oracle, Adobe.
First & sole
Guidewire testing technology partner
Embedded in Guidewire’s own testing framework.
On-premise
Your data, your network
Lightweight footprint, no cloud dependency.
Guidewire decided to leverage Karate Labs for our Testing Framework — a powerful, open-source, industry-standard technology designed to make testing automation simple and accessible.
Will Murphy
VP, Global Technology Alliances — Guidewire
VeriQuant is the rating-validation specialist in the Karate Labs platform — the combinatorial premium testing now also at the heart of Karate Agent’s business-rule verification. For end-to-end testing across your whole insurance estate — API, UI, and rules — see Karate Agent and the insurance testing platform.
Common questions
Short answers to the questions every enterprise evaluation surfaces. Deeper dive for your technical team on the enterprise evaluation page.
Those platforms are where your rating logic is designed. Your core policy admin is where it executes. VeriQuant closes the gap — provides automated proof that the core system is faithfully executing the logic your actuaries defined upstream.
The dual-mode architecture does this by running your live engine and an Executable, Explainable Simulator side-by-side. When results match, you have confidence. When they diverge, you have factor-level root cause in seconds.
Those are pricing platforms — they build rates. VeriQuant validates them. An engine can’t grade its own homework; what the actuarial platform designed may not be what the policy admin actually ships. VeriQuant sits one layer below those platforms and confirms the math.
Many of our customers run Hyperexponential or Earnix alongside VeriQuant — they’re complementary.
Local-first by design. VeriQuant runs entirely on-premise inside your VPC. No cloud offering. No multi-tenant SaaS. No phone-home telemetry. Your data never leaves your network — and the vendor has zero visibility into what you run.
Intentional architecture, not a limitation. It shortens every CISO conversation.
PolicyCenter UAT validates that rating executes without error. It does not validate whether the result is correct. Your rate tables, factors, and tier logic are configuration you own — an engine can’t grade its own homework. VeriQuant is the independent validator.
And at production scale (thousands of states × LoBs × factor combinations), spreadsheet spot-checks can’t provide regulator-ready combinatorial coverage. VeriQuant can.
No — though most customers do, eventually. VeriQuant covers API testing, UI automation, performance (reuse functional tests as load tests), async, and rating validation in one framework with one DSL. Carriers commonly consolidate 4–5 vendors onto it over the first year.
You can start narrow (rating validation only, one LoB) and expand scope as your team chooses.
The next step
A senior member of our team walks your CIO, VP of Pricing, and Head of QA through: your premium-leakage exposure, a live VeriQuant validation against a sample rate table, and a tailored ROI model for your book.