Insurance Runs on Spreadsheet Logic

Underwriting, rating, and reporting—without re-implementation

Keep actuarial tables and logic where experts work—spreadsheets—then expose secure APIs that your apps and portals can trust.

Top Insurance Use Cases

Common patterns across carriers and MGAs

Rules Engine

Underwriting criteria, eligibility, and rating tables in one governed spreadsheet rules layer.

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Underwriting table
Inputs
age: 42
claims: 0
region: CA
Rules
Output
eligible: YES ✅
base_rate: 0.87

Premium Calculators

Expose rating spreadsheets as APIs to power web quotes and agent tools.

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Quote form
vehicle: SUV
age: 42
zip: 94016
accidents: 0
Result
premium: $124.30 / mo

Analytics

Claims and loss ratio analytics that update as ops teams adjust inputs in sheets.

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Claims & loss ratios
Loss Ratio (QTD)
62.8%
Avg Claim
$1,940
Open Claims
143

Insurance Business Impact

Consistency, speed, and control

1 place

Single Source of Truth

Stop re-implementing underwriting logic in each app.

↑ 3x

Speed to Market

File, test, and roll out changes without redeploys.

↓ handoffs

Operational Clarity

Actuaries and PMs collaborate directly in sheets.

Insurance Success Stories

Teams shipping faster with spreadsheet APIs

Corsearch logo
Corsearch

Policy & Evidence Repository

Centralized underwriting evidence and policy matrices in spreadsheets with versioned releases.

Result:
Fewer policy exceptions; faster approvals across regions.
Goodlord logo
Goodlord

Quote & Eligibility Widget

Public quote forms hit a spreadsheet-backed rules API; ops can adjust tiers without deploys.

Result:
Lead-to-bind conversion up 18% and lower ops handoffs.
Consumertec logo
Consumertec

Claims Ops KPI Board

Loss ratios and cycle times fed by teams updating shared sheets; dashboards update live.

Result:
Cycle times improved 22% with clear ownership.

Frequently Asked Questions

Ready to Transform Your Industry Operations?

Join leading companies in your industry who are already using API Spreadsheets to drive growth and efficiency.