OneShield Rating

OneShield Rating supports underwriting rule execution and product configuration for insurers. While it currently lacks a dedicated mobile app, the platform’s rating engine and documentation capabilities make it a compelling solution. Its version control and multi-state filing support make it a strong option for rating operations.

What Is OneShield Rating?

OneShield Rating software is an end-to-end insurance rating platform designed for personal and commercial insurance professionals. It helps them automate rate modeling, underwriting, pricing management, comparison, and more. The platform supports rating calculations across both simple and highly detailed insurance scenarios. Providing consistent pricing outputs during underwriting helps carriers identify potential risks earlier and apply underwriting guidelines across multiple distribution channels.

What Is OneShield Rating Best For?

The platform is well known for its complex rating capabilities. It supports future-dated rate changes and out-of-sequence rating adjustments. The software also allows insurers to compare premium scenarios before implementing new rates or filing updates. In addition, OneShield Rating accommodates multi-jurisdiction policies and large schedule imports without requiring separate rating structures. This approach gives rating teams greater control over rate analysis and filing management across multiple markets.

How Much Does OneShield Rating Cost?

The OneShield Rating cost typically ranges from $100 to $500+/user/month, depending on deployment scope, insurer size, required modules, and customization requirements. Besides the fixed subscription charges, users shall also take into account the following additional, hidden costs:

• Subscription Licensing: Organizations may typically budget $100–$500+/. user/month, depending on user count, modules, and insurer requirements
• Implementation And Configuration: Initial setup expenses can range from $10,000–$100,000+, based on deployment complexity and rating rule customization
• Systems Integration: Integration investments often fall between $5,000–$50,000+, depending on connected core insurance and third-party systems
• Training And Onboarding: Businesses may incur $2,000–$20,000+ in training costs, influenced by team size and learning requirements
• Premium Support And Custom Development: May range between $5,000-$75,000/year. This may change depending on the support and continuous optimization requirements

Disclaimer: Pricing references are based on publicly available third-party information and industry benchmarks. Actual costs may vary.

OneShield Rating Integrations

The software integrates with multiple systems, including third-party policy systems, to import any content and maintain data integrity.

How Does OneShield Rating Work?

Here's how you can get started with the software after logging in:

• Access the main dashboard to review rating activities, filing updates, and system notifications
• Configure product definitions and rating structures based on business requirements
• Create or update rate books for individual products, jurisdictions, or insurance programs
• Define underwriting rules and validation criteria before quote generation begins
• Review premium calculations and compare alternative rating scenarios through analysis tools
• Manage filing versions and future-dated rate changes from a centralized administration portal
• Assign user permissions and role-based access controls for rating, underwriting, and administrative teams
• Generate reports to review premium calculations, non-premium charges, and filing-related data
• Monitor rating results and evaluate the impact of proposed pricing changes before deployment

Who Is OneShield Rating For?

OneShield Rating is ideal for a wide range of industries and sectors, including:

• MGAs (managing general agents)
• Specialty carriers
• Healthcare
• Commercial property
• Liability and casualty

OneShield Rating Use Cases

Based on our analysis of OneShield Rating’s capabilities and the types of insurers served by the platform, we have identified several scenarios where the platform is an ideal fit for insurance organizations:

1. Regional Carriers Expanding Into New States

Growth often creates rating challenges for insurers entering additional jurisdictions. Each state may have different filing requirements, effective dates, and pricing structures. OneShield Rating fits this scenario by supporting rate management across multiple jurisdictions within the same environment. This allows rating teams to maintain consistency while adapting products to local regulatory requirements.

2. Specialty Insurers Managing Complex Risk Profiles

Specialty insurance products rarely follow standard pricing models. Underwriters may need to account for unique exposures, industry-specific factors, or non-traditional coverage arrangements. In these situations, insurers require greater control over how rates are calculated and maintained. The software is well-suited for organizations that regularly evaluate complex risks before determining policy premiums.

3. Insurance Organizations Evaluating Product Changes Before Launch

Introducing new rates can create uncertainty regarding profitability and policyholder impact. Rating teams often need to understand how proposed changes would affect existing business before filing updates with regulators. The platform supports this type of analysis by allowing organizations to compare alternative premium outcomes. As a result, stakeholders can make pricing decisions using modeled scenarios rather than assumptions.

4. Carriers Operating Multiple Insurance Brands

Some insurers manage several brands, subsidiaries, or writing companies under the same corporate structure. Maintaining separate rating methodologies while preserving governance standards can become difficult as product portfolios expand. OneShield Rating software provides a structured approach for organizations that need to manage multiple rating programs and filing versions without creating disconnected processes across business units.

5. Commercial Insurers Handling Large Scheduled Risks

Commercial policies often involve extensive schedules covering locations, equipment, properties, or insured assets. Manual rating processes can become difficult when large volumes of information must be incorporated into premium calculations. The system is particularly relevant for insurers handling complex policy structures because it accommodates large schedules and supports accurate rating across diverse coverage scenarios.

Is OneShield Rating Right For You?

If you are an insurance professional looking for a dedicated rating engine that supports rate modeling and multi-tier pricing structures, OneShield Rating might be the right platform for you. The platform is designed for personal, commercial, and specialty insurance operations. Trusted by various organizations, such as PURE Insurance, and is scalable to accommodate the needs of growing organizations.

Still unsure whether to invest in OneShield Rating? Contact us at (661) 384-7070 to make an informed decision.