Bermuda

What is Bermuda Rater?

Bermuda Rater is a powerful rating engine and integration platform designed for insurance carriers, MGAs, and agencies. It enables real-time quote generation, seamless API connections with carriers and CRMs, and automated workflows to power your customer portals and AMS.

Who is it for?

Bermuda focuses on enterprise insurance agencies — operations with custom workflows, multiple data sources, and high policy volume. We also serve carriers, MGAs, and digital agencies building insurance technology, with integrations for rating APIs, CRMs, conversion tools, and document systems.

Can my own AI agent use Bermuda?

Yes — Bermuda is agent-agnostic. Our platform is exposed as MCP (Model Context Protocol) tool servers, so Claude, ChatGPT, or your custom agent connects natively to quoting, policy data, payments, and carrier uploads — live data in, actions out. Access is OAuth-authenticated and default-deny: each agent uses only the tools you explicitly permit, with input-level guardrails like payment caps.

How do you control what an AI agent is allowed to do?

Every agent authenticates via OAuth and is governed by a default-deny policy engine: it can only call the tools you explicitly permit. Policies go down to input level — for example, capping the payment amount an agent can process — and every tool call is logged and monitored.

How is Carrier Downloads different from IVANS?

IVANS is batch — downloads are hours old by the time they reach your AMS. Carrier Downloads reads due amounts, due dates, late fees, and statuses live from carrier portals at the moment of action — which is what makes payment and cancellation automation safe to run.