Modular Insurance Infrastructure Engine
Facio unifies product configuration, rating, underwriting, policy administration, premium tax, claims, and bordereaux reconciliation into a single cloud-native operating system for MGAs and coverholders.
Product Configuration & Builder Engine
Define insurance products, rating rules, coverages, limits, deductibles and risk schemas dynamically through versioned configuration.
Underwriting Workflows & Referral Controls
Structured intake journeys, automated eligibility rules, risk governance, and real-time referral routing.
Dynamic Rating & Financial Logic API
High-performance Python rating calculation engine for multi-variable risk pricing, pro-rata endorsements, and financial ledger sync.
Premium Tax API
Pull live European IPT, parafiscal charges, and US surplus lines tax rates by territory through one API into quote, bind or policy admin.
Policy Administration System
Full quote-to-bind, MTA versioning, policy forking, renewal, and cancellation lifecycle processing without losing contractual history.
Claims & Insurance Payments Infrastructure
Connect FNOL, coverage context, evidence, claims authority, human decisions, and payment execution in one traceable workflow.
Reporting, Analytics & Reconciliation
Understand portfolio, operational and financial performance—and produce market reports (Lloyd's V5.2 bordereaux) from structured transaction data.
APIs & Agent Gateway (MCP)
Machine-first insurance interface allowing AI agents to query, quote, and operate Facio safely under strict governance.