/carriers · for carriers, reinsurers & Lloyd's coverholders' capacity
The classic DA trade-off is growth versus control. Our answer is radical transparency: you see every quote, bind, endorsement, and cancellation at transaction grain, as it happens — not thirty days later in a bordereau spreadsheet.
01 / see everything
Every transaction journals to a line-item policy transaction ledger and premium ledger — written, earned, and unearned premium by line, by term, by month. Export JSON or CSV, or pull it straight from the API on your own schedule.
02 / set the rails
Pre-bind rules hard-stop out-of-appetite risks before they quote; post-bind rules drive referrals and documentation. Rules are configuration, not code — we tune the box with you, and every toggle is logged.
03 / audit anything
Endorsement deltas, pro-rata and short-rate cancellation math, reinstatements, renewal chains — each computed by the platform, versioned, and reproducible. Your audit team gets answers in queries, not sampling exercises.
// what a partnership looks like
Authority grants encoded as platform rules, not PDF guidelines. Out-of-authority risks physically cannot bind — the 422 comes back before the quote does.
Premium bordereaux generated from the same ledger that runs the business — no re-keying, no reconciliation drift between what bound and what was reported.
Producers are scoped at the platform level: each agent sees and binds only their own book, under commission schedules you've signed off on.
Every bind auto-generates confirmation documents against the insured record, tagged to quote and transaction. Loss runs, waivers, and signed agreements live on the same rail.
$ strata partner --new
If you're a carrier, fronting partner, or reinsurer evaluating delegated authority in small commercial lines, we'd like to show you the platform live — including the ledgers your finance team will ask about.