Everything you need to know about SERFF with AI

Swallow is a rating, filing, and market-intelligence platform built specifically for US P&C insurance. It turns your rate filings and Excel actuarial models into production-ready, versioned, API-accessible pricing engines — with no re-implementation, no engineering handoff, and no waiting on IT sprints.In one line: upload a filing or an Excel workbook, get a live, decisioned, filing-exhibit-ready API

Swallow is designed for:
•  US admitted P&C carriers across personal, commercial, and specialty lines
•  MGAs and program managers standing up new programs
•  Reinsurers running direct or fronted programs
•  Captives and risk retention groups replacing spreadsheet raters
•  InsurTech new entrants needing state-by-state rollouts in days
•  Actuarial consultancies white-labelling filing artefacts for clients

Typical buyers inside the carrier are the Chief Actuary, VP Pricing, VP Product, Head of Underwriting Technology, Director of State Filings or Compliance, and the CTO

The traditional pricing workflow takes months and loses fidelity at every handoff. Actuaries build a rate indication in Excel. Engineering re-implements it in Java, C#, or .NET inside a policy admin system. QA reconciles example calculations line by line. Compliance hand-builds a 60–200 page SERFF filing from the workbook.

The DOI objects, and each round-trip adds weeks. Once live, the production rater has quietly diverged from the actuarial model.Swallow collapses all of that. A single artefact powering the filing, the model, and the API, deployed in days

• Rating deployment: 6–12 weeks becomes 1–3 days
• Rate change cycle: 14 weeks becomes 3 weeks
• Filing preparation cost: up to 50% cheaper than existing consultancy routes
• Model-to-production divergence: eliminated entirely
• New-state rollout: months of IT work becomes hours of config

Swallow is line-of-business agnostic by design. If it is filed in SERFF, Swallow can ingest and build it.
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On the personal lines side this covers private passenger auto, homeowners, dwelling fire, renters, condo, mobile home, personal umbrella, pet, motorcycle, RV, boat, ATV, powersports, and extended warranty and service contract.
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On the commercial side it covers workers' compensation (NCCI class codes, experience mod, schedule rating), commercial auto (fleet and non-fleet), BOP, commercial property, general liability, professional liability, E&O, D&O, cyber liability, inland marine, equipment breakdown, commercial umbrella and excess, surety and fidelity, and management liability.

In specialty it covers architects and engineers professional, medical malpractice, nonprofit D&O, technology E&O, trucking and transportation, habitational, energy and environmental, equine and agricultural, ocean marine, aviation, and residual-value and warranty

Yes. The engine supports class codes, experience mods, schedule rating, territory multipliers, protection-class tables, age-of-home curves, deductible factors, policy-form fees, minimum premiums, state premium taxes, ULAE loads, endorsement pricing, excess layers, and carrier-specific deviations from ISO, AAIS, or NCCI.

It handles multiplicative and additive factor chains, collection lookups, exclusions, endorsements, excess layers, referrals, and decision rules - everything a real P&C rater needs

Swallow is made up of five products. They work independently and compound together.

• Rating: Your approved filings or Excel workbooks become live pricing APIs. Decisioned, versioned, state-aware, fully auditable.
• Filing Assistance: The full SERFF filing — actuarial memo, rate manual, exhibits, side-by-sides, rule pages — generated directly from the executable model. A credentialed actuary, yours or ours, reviews and signs off. This replaces most of what carriers pay outside consultancies to do.
• Monitoring: Every new filing in your lines and states from the rest of the market, with the rate logic extracted into structured data rather than a PDF dump. See exactly what changed in their rate tables.
• Market Pricing Analytics: Run any risk through every other carrier's reconstructed rating plan for your lines and states. Answer "what would the rest of the market charge this customer today?" against *filed* rating plans, not sampled quotes.
• Market Analytics: Aggregate intelligence on rate movements, loss-cost trends, new programs, and DOI objection patterns. Bundled with Rating

Yes. Most carriers start with Monitoring or Filing Assistance — low friction, immediate value — then expand into Rating once the team has seen how the platform works on filings from the rest of the market

One of three things: an approved SERFF filing (we probably already have it indexed), your Excel rating workbook, or a rate manual PDF. That is it. You do not need to prepare specs, write requirements documents, or staff an internal project team

Monitoring goes live the same week, because market filings are already indexed. Rating from an approved filing takes 1–3 days to first demo and 2–4 weeks to production. Rating from an Excel workbook takes 3–7 days. Filing Assistance produces a draft filing in hours, with sign-off and DOI submission in days.

Compare that to a typical rating-engine implementation at 9–18 months, or a green-field re-implementation at 6–12 months

Most of our best customers already do. Swallow runs alongside whatever you have today, whether that is a commercial rating platform or an in-house system. You can point it at a single new program, a new state, or a new product line. You can use it as the filing and intelligence layer above your existing engine. You can gradually migrate where the economics make sense. You do not rip and replace - you layer on

Yes. Every config is versioned, and a rate change is an immutable JSON diff. Every rate table, factor curve, and rule is human-inspectable - no opaque ML black box

Example calculations in the original filing are reconciled against the built model before it is flagged complete. If the reconciliation fails, the model does not ship. We also run synthetic cohort validation across 2,500 test cases to catch distribution skew, missing coverages, and placeholder factors

Yes. The platform knows the difference between file-and-use and prior-approval states, and handles state premium taxes, minimum premium rules, FAIR Plan assessments, wind and hail deductible regulations, and state-specific rating restrictions (CA Prop 103, FL AOB, TX auto credit, NJ tier constraints, and the rest). A single product model can be fanned across states, with each state-specific deviation captured cleanly

A credentialed actuary - yours or one of our partner actuaries. Swallow generates 80–90% of the artefacts automatically; the actuary reviews, certifies, and manages DOI objection responses where professional judgement is required. Filing volumes that used to take 6–12 weeks close in days, at up to 50% less cost than traditional consultancy routes.

Yes. Because the underlying model is structured and executable, responding to a "please justify factor X on table Y" objection takes minutes, not a week of back-and-forth reading a PDF

Two sources. First, public SERFF filings - already a public record, indexed at scale across states and lines. Second, carrier-provided material - your workbook, rate manual, loss ratios, and quote volume

You own your rater, your customer data, and your quote traffic. Those stay tenant-isolated. Market analytics is built only from public filings; nothing in your model ever leaks into another tenant's view

Yes. Given the same inputs you get the same outputs, every time. Rate calculations are a code guarantee - no AI model sits in the hot path of a live quote

Transparent, usage-aligned, and bookable without a bespoke SOW. On like-for-like scope, Swallow typically lands up to 50% cheaper than current solutions, because there is no implementation project, no re-build, and no handoff tax.

• Rating is priced per state and per product rater, with a lower rate on each additional state. Each product rater includes a generous baseline of quotes; beyond that you pay per additional million quotes. The more states and the more quote volume, the cheaper each marginal unit becomes.

‍• Filing Assistance is priced per filing, with a fixed fee for a new product (lower for each additional state) and lighter fees for rate revisions and amendments.

‍• Monitoring is an annual subscription tiered by coverage scope and extraction depth.

‍• Market Pricing Analytics is an annual subscription tiered by coverage scope.

‍• Market Analytics is bundled with Rating

No. No implementation fee, no professional services minimum, no multi-year pre-commit. You pay for the states, products, and quote volume you actually use

Yes. We will build a working rater from one of your own approved filings as a proof of value before you sign anything. The demo is the diligence

Broader SERFF coverage across all 50 states. Reinsurance treaty pricing with automated cession logic. Predictive filing-approval scoring, flagging DOI objection risk before submission. Real-time market diffs, alerting the day an approval lands with a structured delta. An expanded partner-actuary network for Filing Assistance sign-off. Embedded distribution - rating-as-a-service for neobanks, vertical SaaS, and new-brand MGA launches

Swallow takes any approved US P&C rate filing or Excel rating workbook and gives you back a working rating API, a filing exhibit, and a market benchmark - in days, not quarters.

If you file with SERFF, Swallow is built for you!