Right premium.
Proven to the cent, on every case you run.

VeriQuant is independent rating validation for P&C carriers: an independent premium, calculated from your approved rates and rules, that must equal your policy system’s premium. For every rate change, bureau update, new state and platform move.

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The silent error

Your system never says “I don’t know.”
It returns a plausible premium.

A new state. A rate revision. A bureau update. Every change to your rating is a chance to charge the wrong premium, and a wrong premium looks exactly like a right one. So the error surfaces late: as leakage nobody measured, or as a refund with interest.

Many teams still check rating with spreadsheet macros and a few dozen hand-picked scenarios. That catches the cases someone thought of.

What it costs, from the public record

$4M+

refunded by one carrier, with interest, after it found its own rating error

<400

policies

Most of those policyholders had already left before the refund.

State insurance department consent order, 2026. The carrier is not named here.

The bar

When a premium doesn’t match what you filed, four questions follow.

One check answers all four: an independent premium, calculated from your approved rates and rules, that must equal the system’s premium. Every case. To the cent. Each case comes back as a match, or a mismatch that shows the first step where the two calculations part ways. Anything unexplained is listed as open, never counted as passed.

Edition

Does the system rate what you filed, for the right effective date?

Rows

After a rate change, did only the intended rows move, with your deviations still on top?

Leaked

What has already leaked on the policies you have written?

Platform

When you move to the cloud or a new rating engine, does the premium hold?

Go deeper on veriquant.io: rate revision testing · Guidewire rating testing · insights for pricing and QA teams

Illustrative. Every number invented.

How it fits

Built independently. Designed to mirror yours.

The simulator is drafted from what you already have: rate manuals, filings, bureau content, or the algorithm your business team describes. Every expected value comes from your source of truth, never from the system under test. AI drafts on your own LLM, your analysts approve, and once approved it runs with no model in the path.

Beside any policy system or rating engine

Cloud or self-managed, through the UI or the APIs you already use. Karate Labs is a Guidewire technology partner for testing, and the check is engine-agnostic.

Inside your network

A container or a single Java file. Offline licence, no telemetry, no hosted control plane. Rate tables and policy data never leave your perimeter. Security and compliance →

One use of Karate Enterprise

The same platform covers the rest of the estate: API, UI and integration testing, requirements traceability and a computed ship-or-don’t verdict. Insurance →

Next step

Bring us the rating case you worry about most.

A rate revision. A bureau update. A new state. An edge case nobody trusts. We build the simulator for that case and your team runs the comparison in your own QA environment. Need a rating check we don’t list? We build it during your evaluation.

Or write to us at info@karatelabs.io

Right premium. Proven to the cent, on every case you run.

Your system never says “I don’t know.” It returns a plausible premium.