Built for the VP of Pricing who signs off on what gets filed — and who answers for what leaks through. Your pre-filing leakage review, your combinatorial state coverage, your regulator-ready audit packet. One surface.
Leakage caught pre-filing · YTD
$14.7M
+$1.8M this week
across 47,892 scenario combinations · 14 states · 6 LoBs
Weekly leakage caught
Active discrepancy alerts
3 flaggedState coverage
14 active / 48A week in your role
CH. 01
Every VP of Pricing has a rhythm of anxieties. Monday’s stand-up. Wednesday’s filing review. Thursday’s DOI email. Friday’s competitive pricing comparison. VeriQuant restructures that week.
MON · 08:47
Before your coffee, VeriQuant has already run last night’s combinatorial regression across every LOB and state you underwrite. You walk in knowing exactly where discrepancies surfaced, their dollar impact, and which actuary should be looking. Stand-up is a review, not a discovery.
TUE · 14:20
Your team reviews the California Personal Auto filing. VeriQuant shows pass/fail across 12,847 factor combinations, drills into every cost transaction, and exports a DOI-ready audit packet on one click. No "let me get back to you by Friday."
WED · 10:05
Progressive drops rates 8% on a specific tier. Your CEO asks how fast you can match without tanking combined ratio. Because every factor table is tested pre-filing, your response cycle is weeks, not quarters. You say "yes" instead of "let’s look at it."
THU · 16:40
The regulator asks how you validated the new tier structure. You send the auto-generated audit packet from the run two weeks before filing — factor-by-factor proof, every combination, every divergence caught and resolved. Response time: thirty minutes.
FRI · 09:30
YTD leakage caught, filing cycle compression, DOI inquiries answered with source evidence. You close your laptop at 5 PM on Friday. Sleep through the weekend.
What it does for you
CH. 02
Every rate change gets combinatorial validation before it gets filed. Factor-level divergence detection catches the $820K zip-code-territory bug that spreadsheet spot-checks miss.
Every state · every LoB · every factor
Every validation run becomes an exportable DOI packet. Factor-by-factor proof, expected vs actual, cost transaction drilldown. The artifact regulators ask for — already there.
One click · every filing · every time
Because every factor is pre-tested, your team ships rate changes in weeks — not quarters. Respond to a competitor move before the next board meeting.
~50% filing-cycle compression
No-code. Your actuaries and business analysts run validation directly — no dev ticket, no three-week wait, no handoff chain. The people who understand the math, doing the validation.
Zero IT dependency
What your board sees
CH. 03
Leakage recovered
3–5%
of annual premium leakage, measurably avoided pre-filing. On a $5B book that’s $6M–$10M back to combined ratio.
benchmark · veriquant customer data
Filing-cycle compression
~50%
faster from “actuary approves” to “rate live in production”. Your competitive response window, halved.
time-to-market · median across LoBs
DOI audit readiness
100%
of filings ship with a regulator-ready audit packet already generated. Market conduct inquiries answered in 30 minutes, not 30 days.
audit-ready · every run, every state
Expected outcomes
ModeledWhat your pricing desk gets back when rating validation stops being the release bottleneck.
100%
Rating accuracy
Across every state, LOB, tier, and factor combination — combinatorial coverage, not spot-checks.
90%
Validation time saved
Days of spreadsheet reconciliation collapsed into seconds of automated dual-mode execution.
$10M+
Leakage caught · per $1B book
Recoverable premium impact typically surfaced pre-filing by combinatorial validation.
Source: VeriQuant methodology · Karate Labs internal benchmark
The bigger platform
↗ Beyond rating
VeriQuant proves the rate you file is right. But that premium then flows through quote, bind, endorsement, renewal, and billing — and a defect anywhere downstream re-introduces the leakage you just paid to prevent. The same engine that validates your rating, Karate, tests the whole estate end-to-end — so the number you filed is the number the customer is charged.
From rate to bill
Leakage can’t creep back downstream
The rate is correct at filing — the platform proves it survives quote, bind, endorsement, and renewal, where so much premium quietly slips.
Karate Agent binds it
Your rules, proven across the estate
The combinatorial business-rule verification VeriQuant pioneered for rating now runs estate-wide through Karate Agent — eligibility, underwriting, and policy logic, deterministically.
Inside your perimeter
Self-hosted, like VeriQuant
The whole platform is on-premise — rate tables, factor IP, and PII never leave your network. The same posture your CISO already cleared for VeriQuant.
Bring your CIO and Head of QA into the conversation — the platform is much more than rating validation.
The next step
A senior pricing consultant walks you through your exposure, a live VeriQuant validation against a sample of your rate tables, and a tailored 3-year ROI model. No slides. No product demo theater. Just numbers on your book.