Carrier quotes on one grid, with the differences that decide the placement at the top.
Bluegrass builds quote comparison systems for agencies, brokers and wholesalers. They read every carrier quote on an account and surface differences in coverage forms, sublimits, exclusions and premium.
A broker's value lies in choosing the right placement for the client, and that judgment rests on a comparison usually built by hand, under deadline.
What comparing quotes involves today
Each quote has its own structure and terminology. Someone on the account team keys the terms into a spreadsheet, then rereads the forms and endorsements for the exclusion or sublimit that changes the picture.
On a complex placement with several markets this can take hours, and a missed difference tends to surface at claim time, too late to place the coverage differently.
How automated quote comparison works
- 01
Read every quote
Each quote is read in full, including its forms and endorsements, whether it arrives as a native PDF, a scan or an email.
- 02
Normalize the terms
Terms are mapped onto a common structure for the line of business, so that one carrier's “per occurrence” and another's “each occurrence” land in the same row.
- 03
Surface the differences
The grid highlights where quotes differ in ways that matter, such as a narrower form, a lower sublimit or an added exclusion, according to rules your placement team sets.
- 04
Hand off to the proposal
The comparison feeds the proposal directly, so the figures a client sees are the figures that were compared.
Where people stay in the loop
The broker makes the recommendation, and the system's job is to make sure nothing in the quotes was missed. Every cell shows the page it came from, so any figure can be checked.
The systems it works with
Quotes are read from the inbox, carrier portals or the AMS, and the finished comparison is filed back to the account, ready for the proposal.
Built around the AMS you already run
Including Applied Epic, Vertafore AMS360, Sagitta, BenefitPoint and QQCatalyst, HawkSoft, EZLynx and Momentum AMS. Product names and logos are the trademarks of their owners, and Bluegrass is independent of every vendor shown.
When to build it, and when to buy it
Quote comparison is a crowded category, with tools for retail brokers and wholesalers, and an agency writing mostly small commercial accounts may well find one that fits.
A custom build is worth it when generic tools flatten your complex or specialty placements, when you want your own rules on material differences or when comparison is one step in a pipeline from submission to proposal.
We hold no reseller agreements, partner quotas or revenue share with any vendor, so a recommendation to buy is made on its merits.
What this work costs you today
A quick way to put a number on the problem before talking to anyone, using your own figures rather than ours.
Enter your volume and the minutes each one takes to see what the work costs in a year.
The numbers stay in your browser and are not stored or sent anywhere. Bring the figure to the first call, since it is the baseline any system should be measured against.
Questions about insurance quote comparison
- Which lines of business does it support?
- It supports whichever lines your evaluation shows are worth it, commonly property, general liability, auto, workers compensation and umbrella first, with specialty lines added once a common structure for them is agreed.
- Can wholesalers and MGAs use it?
- Wholesalers comparing markets for a retail broker face the same problem under tighter deadlines, and the same system serves them with their own rules.
- How does it handle endorsements that change the base form?
- Endorsements are read together with the form they modify, so the grid reflects the coverage as amended rather than the base form alone.
Related systems
A senior team that has done this before
We are a small, entirely senior team with fifty years of combined AI engineering, multiple granted patents and Y Combinator founders, from Yale, MIT, McKinsey, Goldman Sachs, Microsoft and Vista Equity Partners. The people who scope your work are the people who write the code.
Selected work
We built the AI transformation roadmap for a top-50 P&C brokerage, and it is saving the firm millions of dollars in vendor fees it did not need to pay.
Clients include some of the largest banks, RIAs, fintechs and AI labs, as well as a top-3 P&C carrier, a top-10 P&C brokerage, a top-5 trucking brokerage, a leading specialty MGA and a leading trucking MGA.
We run only 3 to 5 engagements at a time, so that every client works directly with the senior team.
About the team- Dozens
- of insurance companies, RIAs, banks and fintechs we have worked with
- 50 yrs
- combined AI engineering experience
- 10+ Patents
- granted to members of the team
- 100%
- of the IP we build is assigned to you
Find out whether this is worth building for your business.
A 30-minute call with an engineer usually shows whether this is worth building. Within a week you will have a free written point of view, including whether a packaged product would serve you better.