The surety distribution rail is in private rollout. Carrier access by invitation.
The software that runs a surety book end-to-end — underwriting, issuance, renewals, compliance — on your paper, under your authority, with your underwriters in control of what graduates to autonomous binding. Specialty and commercial lines ship on the same rail next.
Specialty, commercial, and surety carriers run on different paper and different reserves — but the operating motion is shared. Intake, enrich, decide, mirror. Each book inherits its own rules, its own envelope, its own examiner trail.
Excess & surplus, programs, niche commercial. Risks the admitted market won't take and brokers can't place inside a week. The rail is built to compress placement to minutes, underwriting to one auditable run, and reporting to a single decision record.
Standard P&C lines written through retail and program channels — GL, BOP, commercial auto, professional liability. The volume backbone. The same rail motion — intake, classification, routine binding on your paper — extends here once the surety book has proven it.
License & permit, contract, court, fidelity, federal. The original Railpoint book — live today. 637 classifications, 86,000+ loss-ratio data points, full SFAA taxonomy, Treasury C-570 single-risk ceiling enforced in the decision gate, exportable decision records on every issuance.
Encode the authority matrix your team already operates by — class, penal sum, indemnitor profile, loss history, state. What auto-binds, what routes to senior UW, what escalates. Versioned and diffable, with sign-off from your CUO.
Applications flow in through the rail — your existing agency portals, your broker APIs, your MGA partners. Every submission is enriched, scored against your loss experience, and placed on the track that matches its risk profile.
Every class starts in shadow mode — the rail decides silently alongside your underwriters until the agreement rate earns binding authority, class by class. Inside the envelope, bonds bind after hours on your paper with an auditable decision record. Outside it, a human gets the file with the context already assembled.
A scripted replay of a representative decision — the same pipeline, trace, and rule shapes the rail produces in production, compressed for display. Every decision is explainable — down to which rule, which data point, which prior loss shifted the score.
A schematic, not a metaphor. Three layers, six components, two mirrors. Sits beside your policy admin system, not between it and your distribution.
Encode your rules. Backtest on your book. Run shadow against your own underwriters and review the decision records. Grant the first class binding authority only when the agreement rate earns it. Nothing skips a step — and nothing graduates without your signature.
Your policy admin system stays where it is. Your paper stays your paper. Railpoint is a distribution channel and an underwriting engine — plugged into your existing stack via the rail, removable at any time, with every decision mirrored back to your book of record.
Every automated decision runs inside an authority envelope you set. Nothing graduates to autonomous binding without a signed delegation, a dissent check, and a decision record your examiner can audit line-by-line.
Governance, risk management, and documentation practices mapped to the NAIC Model Bulletin on the Use of AI Systems. Every model card, every rule change, versioned and attestable.
Rate tables versioned per state with effective dates; every rate, rule, and form change exports with its full history. SERFF-ready bundle packaging is on the integration roadmap.
Federal obligee workflows honor your Circular 570 underwriting limitation and single-bond limits. Anything that would pierce the T-listing is stopped and escalated — never auto-bound.
Controls built to SOC 2 Type II; independent attestation is in progress, not claimed before it's held. Control inventory and the attestation timeline shared under NDA.
Decision logic auditable for adverse action notice, disparate impact, and prohibited rating factors. Reason codes on every decline, referral, and adjusted price.
Consumer data handled under a GLBA Safeguards-aligned program. Deletion and notice endpoints are built in; state privacy regimes (CA, CO, CT, VA, TX) run through a single consent and rights-management substrate.
45-minute walk-through with an engineer and a commercial PM. Bring a book sample; we'll backtest on it live.