Independent rating validation for P&C

Eliminate premium leakage.

Eliminate costly errors, accelerate time-to-market, and protect profitability with VeriQuant — the no-code rating validation platform for P&C carriers.

Book an executive briefing Model the business case
Your VeriQuant · validation dashboard
running on-premise · your VPC
Illustrative · tier-2 carrier

Leakage prevented · YTD

$214M+

Scenarios validated

1.8B

States · LoBs covered

48 / 12

Filing-cycle compression

~50%

Leakage caught, weekly

peak $4.2M avg $1.9M/wk
Guidewire’s first & sole testing technology partner
8,000+ GitHub stars
Local-first — nothing phones home
Deployed across Fortune 500 carriers

Why VeriQuant exists

A $29B industry problem. The fix, in your role’s terms.

VeriQuant was built to stop premium leakage. What the fix delivers depends on your seat at the table. Pick your role — or follow the full story, start to finish.

CH. 01

See it in action

Three live demos against a Guidewire environment. Pick the scenario that matches yours.
CH. 02

What VeriQuant does

Four surfaces: no-code builder, combinatorial runs, cost drill-down, dual-mode execution.
CH. 03

How it fits

The independent validation layer between your pricing platform and production. Engine-agnostic.
CH. 04

The architecture

A lightweight Platform Adapter. REST endpoint. On-premise, inside your VPC. No migration.
CH. 05

What makes it different

Dual-mode, the Executable Simulator, Guidewire-embedded, unified, local-first.
CH. 06

For your role

Same product. Three different jobs done — for the VP of Pricing, the CIO, the Head of QA.
CH. 07

What it’s worth

Model your book. Generate a C-level executive summary and stakeholder talking points in minutes.
CH. 08

Built by Karate Labs

Guidewire’s first & sole testing technology partner. Fortune 500 deployments. On-premise by design.
CH. 09

Common questions

Ratabase, UAT, tool consolidation, data residency — the questions your evaluation team already has.
9 chapters · ~10 min scroll · ~3 min skim · every chapter deep-linkable

See it in action

CH. 01

Three demos. One product.

Pick a scenario — watch VeriQuant run against an actual PolicyCenter environment.

Demo 01

A business user validates a Personal Auto quote — without writing code.

Watch VeriQuant run side-by-side with the Guidewire PolicyCenter quote screen. Edit factors, submit scenarios, create real policy quotes in seconds.

  • Real-time quote generation testing
  • Coverage option validation
  • Premium calculation verification
  • Data-driven testing across scenarios

Guidewire PolicyCenter · Personal Auto

Watched it? Now see what VeriQuant is worth on your book.

Model the business case

The product

CH. 02

Independent rating validation — purpose-built.

Four surfaces that compress rating validation from weeks of spreadsheet work to seconds of confidence — without writing a single line of test code.

New scenario · CA · Personal Auto
stateCA
lobpersonal_auto
tierpreferred
driverAge35
expected $1,247.50

01

No-code scenario builder

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.

Batch run · CA PA 2026-07 4.2s
Combinations validated12,847 / 12,847
Passed12,844
Discrepancies caught3

02

Batch combinatorial runs

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.

Cost breakdown · $1,247.50 match
base_premium$500.00
× territory_factor1.10
× tier_factor2.27
+ surcharges$0.00
= total_premium$1,247.50

03

Cost-transaction drill-down

Every rating step, every factor, every surcharge — visible. When a number disagrees, you know exactly which step broke. Audit-ready artifacts from every run.

Execution

POST /rating/quote

→ Guidewire RS

$1,247.50

Simulator

base × terr × tier

500 × 1.10 × 2.27

$1,247.50

04

Dual-mode architecture

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.

How it fits

CH. 03

The independent validation layer for your rating stack.

VeriQuant isn’t a rating engine or a pricing platform. It’s the neutral validator that sits between what your actuaries model and what customers actually see quoted.

Modeling & pricing

Actuaries build models

Guidewire PricingCenter Hyperexponential Earnix Akur8 In-house

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.

The architecture

CH. 04

A lightweight server-side component. Not a platform rewrite.

VeriQuant plugs into your existing Insurance Platform as a Platform Adapter — a REST endpoint that validates what your Rating Engine actually produces. Runs entirely inside your network. No migration. No downtime. No data egress.

Ratabase, Oasis, hx, or Earnix is where your rating logic is designed. Your core policy admin is where it executes. VeriQuant proves those two match — every rate, every LoB, every release.

01

Front end · business users

Actuaries, underwriters, and BAs drive scenario runs from a browser UI — or via API from existing tooling. No code. No IT queue.

02

Platform Adapter · VeriQuant

A lightweight REST endpoint that sits alongside your Insurance Platform. Receives scenarios, orchestrates validation, returns diff reports. This is VeriQuant.

03

Insurance Platform · unchanged

Guidewire PolicyCenter, Duck Creek, Majesco, or in-house — stays exactly as-is. VeriQuant calls the same Rating Service your policies use.

04

Rating Engine · validated

Guidewire Rating Service (direct), custom engines, or third-party. VeriQuant validates whatever actually quotes your premium.

VeriQuant architecture

On-prem · your VPC
VeriQuant architecture: Front End and API Client connect to the Insurance Platform, which integrates with VeriQuant (Platform Adapter, a REST endpoint) and the Rating Engine
Deployed entirely inside your network 0 outbound calls · 0 cloud deps

Integration

Guidewire PC

certified

Integration

Rating Service

direct REST

Integration

Custom engines

REST / SOAP

Deployment

Zero downtime

alongside, not atop

What makes it different

CH. 05

A paradigm-shifting architecture, not a point tool.

Four moats that together explain why carriers standardize on VeriQuant instead of assembling something themselves.

01

Test the real system. Understand why it failed.

Validates against your live rating engine and a transparent simulator side-by-side. When results diverge, you know instantly whether the bug is in the engine or the test data.

Solves the oldest argument in carrier QA: "Is it the code or the spec?"

Execution mode

POST /rating/quote
→ Guidewire RS
→ $1,247.50

Simulator mode

base × territory × tier
= 500 × 1.10 × 2.27
= $1,247.50

Root-cause trace (on failure)

Execution returned $1,389.50. Simulator expected $1,247.50. Divergence at territory_factor: engine 1.22, spec 1.10 — rate table update applied to wrong LOB.

// 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;

}

02

The Executable, Explainable Simulator.

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.

03

Not a partner. The engine.

Karate — VeriQuant’s underlying technology — is embedded as the foundation of Guidewire’s own API testing framework for every Guidewire Cloud customer.

Karate Labs is Guidewire’s first and sole testing technology partner.

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

API Testing

REST, SOAP, GraphQL

UI Automation

PolicyCenter, portals

Performance

Reuse tests at load

Async

Kafka, events

04

End your tool sprawl.

API testing, UI automation, performance, and async event testing on one platform — in one syntax. Reuse functional tests as performance tests. Kill three contracts. Consolidate your QA toolchain on a vendor Guidewire itself has chosen.

05

Local-first. Nothing phones home.

VeriQuant runs entirely on-premise inside your VPC. No cloud offering. No shared-tenant SaaS. No vendor-side telemetry. Rate tables, premium data, PII, and factor IP never leave your network.

The one rating validator your CISO doesn’t have to argue with.

Deployment footprint

On-prem · VPC

0

Cloud deps

0

Outbound calls

0

Data egress

100%

Your infra

Rate tables and premium data never leave your network
No multi-tenant SaaS — each carrier is isolated
No phone-home telemetry — vendor has zero visibility
Passes CISO review without bespoke security exception

For your role

CH. 06

The same product. Three different jobs done.

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.

03.1

The business owner

VP of Pricing

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

Explore the pricing control center
03.2

The strategic buyer

Chief Information Officer

Aligning technology strategy to business outcomes. Answerable to the board for whether transformation actually delivers.

5→1

tools

De-risk

upgrade

Board

ROI

Explore the executive view
03.3

The technical champion

Head of Quality Assurance

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

Explore the engineering workspace

CH. 07

The business case

See what VeriQuant is worth on your book.

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 calculator

Illustrative · Tier-2 carrier

$5B DWP · 2 LoBs · 25-person team

EXAMPLE

Annual value delivered

$12.3M

Leakage recovery (4% of $45M)$1.8M
Operational efficiency (50% gain)$488K
Accelerated revenue (50% faster)$10.0M

3-yr TCO

$3.8M

Return

3.2×

Payback

< 12 mo

Backed by

CH. 08

A vendor your CIO has already heard of.

Built on Karate — the open-source testing framework with 8,000+ GitHub stars, deployed across Fortune 500 enterprises, and embedded in Guidewire’s own testing framework.

8,000+

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.

Common questions

CH. 09

The ones you’re already thinking.

Short answers to the questions every enterprise evaluation surfaces. Deeper dive for your technical team on the enterprise evaluation page.

We use Ratabase / Oasis / hx / Earnix as our rating source-of-truth. Can VeriQuant help?

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.

Read the full answer →

How is VeriQuant different from Guidewire PricingCenter, Hyperexponential, or Earnix?

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.

Where does our rating and premium data live? Is VeriQuant a cloud service?

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.

Isn’t our existing Guidewire PolicyCenter UAT enough?

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.

Do we need to rip out our existing Selenium / Postman / LoadRunner toolchain?

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.

Download the brochure

VeriQuant 2026 · PDF · no form, no gate

The full enterprise evaluation

Integration · Architecture · Deployment · Compliance · Commercial

The next step

45 minutes. Your book. A live leakage model.

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.

  • Leakage-exposure model tailored to your DWP and LoB mix
  • Live combinatorial run against your Guidewire Rating Service
  • A PoV scope tied to one LoB and one state — ready to start
Book a briefing Model your own first

45

minutes

or email insurance@karatelabs.io