Turn binding authority into controlled, executable insurance operations. Facio unifies product configuration, rating, underwriting, policy administration, and bordereaux on one platform built for regulated insurance.
Built for regulated insurance.
Ready for the agentic era.
Define rating matrices, underwriting questions, policy templates, clauses, sections, COIs, and risk codes through clean product configuration.
Preserve how every contract came to exist. Process mid-term modifications, endorsements, cancellations and renewals while keeping policy and financial ledgers in sync.
Configure complex risk rating matrices, multi-variable factors, and pro-rata endorsement adjustments evaluated sub-85ms via REST and Python APIs.
Generate risk, premium, and claims bordereaux automatically from structured transaction data matching carrier and market reporting specifications.
Guide brokers and applicants through conditional submission paths with automated eligibility validation and authority-aware referral routing.
Product Builder
Configurable schemas & rating rules
Smart Rating
API-first multi-variable risk pricing
Underwriting Workflows
Authority-aware referral routing
Policy Administration
Full contract lifecycle & versioned state
Connected Infrastructure
Underwriters, brokers, agents aligned
Bordereaux Reports
Automated carrier outputs & ledgers
Facio Labs develops working architectures for executable insurance, governed agentic operations, continuous underwriting and connected risk.
Safe policy modifications via executable history tracking without overwriting active contracts.
Explore Policy Administration →Transforming binder contracts into dynamic executable rules and authority limits.
Explore Binder Governance →Machine-first MCP gateway allowing AI agents to query and operate insurance infrastructure safely.
Explore Agent Gateway →Facio is not only API-first. It is agent-accessible. Through the Facio Agent Gateway, AI assistants and enterprise agents can discover capabilities, evaluate implementation fit, configure products and workflows, and operate approved environments under strict permissions and audit controls.
Facio's P&C module puts revenue-critical workflows into a controlled operating environment. Dynamic risk evaluation delivers structured analysis as quotes are keyed, keeping underwriters aligned with approved binder rules. A built-in financial ledger supports ACH, card, and split payment tracking, recording premium movements as binds occur. Clients and brokers interact over approved digital workflows that collect documents and status updates transparently. From quote to settlement, every action feeds Facio's compliance pipeline, generating audit-ready bordereaux and transaction ledgers automatically.
Shared Operational Core
Full Contract Lifecycle
Automated Ledger Output
Governed API Infrastructure
