Independent rating validation, purpose-built.
Four surfaces that replace spreadsheet macros and hand-picked scenarios with generated cases, each carrying its expected premium. And where VeriQuant sits beside the systems you already run.
Capabilities
Four surfaces that replace spreadsheet macros and hand-picked scenarios with generated cases, each carrying its expected premium. All panels illustrative · every number invented
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
→ your rating engine
$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
Any policy admin system or rating engine · cloud or self-managed · REST / SOAP / UI
VeriQuant · Independent validation
Catch errors before they reach production.
Engine-agnostic. An independent premium for every case, compared with what your system charges, 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
Any policy administration system or rating engine, cloud or self-managed, over REST, SOAP or the UI your testers already use. VeriQuant compares against the same rating path your policies take.
Guidewire technology partner for testing · REST / SOAP / UI
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 checks that 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.
The next step
A rate revision. A bureau update. A new state. An edge case nobody trusts. In 45 minutes, a senior member of our team walks your VP of Pricing, Head of QA and CIO through how the simulator is built for that case, and how your team runs the comparison in your own QA environment, exactly as you test today.
45
minutes
or email info@karatelabs.io
Need a rating check we don’t list? We build it during your evaluation.