Know the Market Before You Quote
Rate Advisor prices any workers' compensation risk against the entire carrier market and ranks every carrier by premium—in seconds. Walk into every renewal and new-business conversation knowing exactly who's competitive, before you ever market the submission. One risk in. The whole market, ranked by price.
One Risk In. The Whole Market, Ranked by Price.
Today, finding the competitive market for a risk means shotgunning submissions and waiting on quotes. Rate Advisor replaces that with an instant answer: enter the states, class codes, payroll, and the experience mod, and it prices the risk against every carrier at once—cheapest first.
- ✓ Enter one risk. Multi-state and multi-class exposures on a single clean screen.
- ✓ Price the whole field. Every carrier that writes the risk, ranked by estimated annual premium.
- ✓ No submissions, no waiting. The market comes back in seconds, not days.
- ✓ Export a client-ready PDF. Turn the ranking into a branded proposal in one click.
The Entire Carrier Market, Priced for Your Exact Risk
Rate Advisor is a national rating engine built on official carrier filings—so the ranking you see reflects how the market would actually price the account.
The Whole Field, Ranked
Every carrier that writes the risk, priced and ordered cheapest-first for the exact exposure you enter—so the competitive market is obvious at a glance.
Every Open Market
Coverage across all 47 competitive jurisdictions—every state except the four monopolistic funds (ND, OH, WA, WY). If there's a market to write, Rate Advisor prices it.
Built on Filed Rates
Priced from regulator-sourced loss costs, carrier loss-cost multipliers, and filed rate pages—not rules of thumb. Real filings, kept current across the country.
Experience-Mod Aware
Enter the account's experience mod and Rate Advisor prices it in—multi-state and multi-class—so every number reflects the risk as it will actually rate.
Full-Coverage Flags
Instantly see which carriers can write the entire account and which fall short on a state or class—so you never chase a market that can't cover the risk.
State-by-State Drill-Down
Open any carrier to see how it prices in each state on the risk—useful for multi-state accounts where the winner shifts by jurisdiction.
Client-Ready PDF Export
Turn the ranked market into a clean, branded proposal in a single click—so every placement conversation is backed by a clear, data-driven exhibit.
Marketing, Aimed
Point submissions at the carriers most likely to win instead of blitzing the whole panel—fewer wasted submissions, faster answers for your client.
Part of Mod Advisor
Rate Advisor is a module of the Mod Advisor platform—so market pricing sits right alongside experience-mod analysis and live Mod Watch monitoring.
From Guesswork to a Known Market
The same ranked answer changes how you handle every stage of the account.
Renewals
Walk in knowing whether the incumbent is still competitive—and exactly who would beat them if it's time to move.
New Business
Qualify a prospect's pricing before you market it, and target the carriers most likely to win the account.
Marketing Strategy
Aim submissions at the right markets instead of shotgunning the whole panel—less work, better hit rate.
Client Conversations
Back every placement with a clear, data-driven reason—no waiting on carrier quotes to make your case.
Three Steps to a Ranked Market
Enter the Risk
States, class codes, annual payroll, and the experience mod—multi-state and multi-class, all on one clean screen.
See the Market Ranked
Rate Advisor prices the risk against every carrier at once and ranks them by estimated annual premium—cheapest first—and flags who can fully cover it.
Place With Confidence
Target the carriers most likely to win, and export a clean, client-ready PDF proposal to back the placement.
No More Wasted Submissions
Instead of marketing a risk blind and waiting on quotes, you start from the answer: the whole market, ranked, for the exact account in front of you. Every conversation—with the client and with the carrier—starts from a stronger position.
- ✓ Qualify pricing before you ever market it
- ✓ Defend renewals with the competitive field in hand
- ✓ Win on strategy and speed, not guesswork
Rate Advisor Is One Part of Mod Advisor
Market pricing is most powerful next to the rest of the mod story. Rate Advisor shares a platform with everything you use to analyze, forecast, and manage the experience mod.
Mod Advisor
AI-powered experience-mod analysis—break down the mod, model scenarios, and benchmark the account against industry peers.
Rate Advisor
The market-intelligence engine—price any risk against the entire carrier field and rank it by premium in seconds.
Mod Watch
A live, shared workspace with your client—forecast the mod across policy years and bend the curve down before renewal.
Every Carrier. Every Open Market. One Number.
Book a 15-minute demo and we'll price a live risk against the market—so you can see the whole field, ranked, for one of your own accounts.