Carrier Connectivity

BindPilot connects to the carriers your agency is already appointed with. We do not resell appointments and we do not publish a carrier count as a feature — the carriers that matter are the ones on your panel, and appointment paths differ by agency, state and line.

Two paths to a carrier

| Path | How it works | Availability | |------|--------------|--------------| | Direct carrier adapter | Where a carrier or platform exposes a rating API to appointed independent agencies, BindPilot submits to it using your agency's own credentials and appointment number. | Adapters built; each activates when its credentials are configured | | ACORD submission | For every other carrier, BindPilot generates the completed ACORD packet and routes it to underwriting. | Available |

For commercial lines the ACORD packet is the primary path. Real-time API rating is common in personal lines and uneven in commercial, so we build API connections where they genuinely exist on a customer's panel rather than claiming coverage we don't have.

Carrier adapters in the platform

Nine carrier adapters ship in the codebase. All nine currently run in simulation mode — none has live credentials configured, so none is submitting to a real carrier today. Each activates independently the moment its API key is set, and every quote carries an is_simulated flag end-to-end so a simulated quote can never be mistaken for a live one.

| Adapter | Lines supported | Status | |---------|-----------------|--------| | Tarmika | Commercial auto, BOP, GL, workers' comp, commercial property | Adapter built — simulation | | Coterie | BOP, GL, workers' comp, commercial property | Adapter built — simulation | | Next Insurance | GL, BOP, professional liability, commercial auto, workers' comp | Adapter built — simulation | | Thimble | GL, BOP, professional liability, E&O | Adapter built — simulation | | Progressive | Commercial auto, BOP, GL, workers' comp | Adapter built — simulation | | Bindable | Commercial auto, GL, BOP | Adapter built — simulation | | Pie Insurance | Workers' comp | Adapter built — simulation | | Openly | Homeowners, dwelling fire | Adapter built — simulation | | Neptune Flood | Flood | Adapter built — simulation |

Adding a carrier means implementing two methods — submit_quote() and check_status() — against the shared adapter interface. Carrier connectivity is the part we cannot build alone: which carriers we prioritise is driven by the appointments our early-access agencies actually hold.

Real-time rating

When you shop a risk, BindPilot:

1. Filters the panel by carrier appetite before submitting, so carriers that won't write the risk are never queried
2. Queries every remaining carrier in parallel, not sequentially
3. Sends the risk data once — it is not re-keyed per carrier
4. Aggregates results and ranks them by premium and fit

Each carrier sits behind its own circuit breaker. A carrier that starts failing is isolated rather than allowed to stall the whole submission, and its status is visible on the carrier health dashboard.

Manual rating

For carriers not covered by an adapter, you can record a quote obtained through the carrier portal, by email, or by phone. BindPilot's comparative interface shows manually entered quotes side by side with adapter quotes.

Rating accuracy

BindPilot rates based on the risk information you enter and the carrier appetite settings you configure.

Accuracy caveats:

• Some carriers require underwriting review — rates quoted are preliminary
• Manual underwriting factors (roof age, land use, loss history) may change final premium
• Quotes are typically good for 30 days; the carrier may adjust on binding

Always tell your client that final premium is subject to underwriting approval.

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