Duck Creek Rating
Pricing Precision, Product Speed, Enterprise Scale
Duck Creek Rating is enterprise‑grade insurance rating software designed to help P&C insurers price faster, more accurately, and with confidence.
As a modern insurance rating engine software embedded within Duck Creek Policy, it enables real‑time pricing, rapid product changes, and consistent quoting across personal, commercial, and specialty lines. Built on Duck Creek’s Intelligent Core, Duck Creek Rating delivers scalable, governed pricing for insurers operating across regions and channels.
Trusted By
Product Innovation Made Easy
Today’s markets demand faster, more confident pricing decisions. Duck Creek Rating combines reusable rating components, integrated bureau content, and low‑code configuration to deliver flexible insurance underwriting and rating software that adapts as products, regulations, and risk profiles evolve.
Built on Duck Creek’s Intelligent Core and powered by the Agentic Platform, this insurance rating engine software supports what‑if modeling, controlled experimentation, and production‑ready decisioning. Insurers can move from pricing insight to live rate changes quickly — while maintaining governance, consistency, and audit‑ready controls across all lines of business.
Get the practical guide to accelerating product and pricing speed to market.
Why Duck Creek Insurance Rating?
Accelerate Product Launches
Speed market entry by evolving products from existing definitions with our inheritance model, delivering up to 50% faster rating changes and 30% faster product launches in practice.
Simplify Product Lifecycle
Standardize lifecycle support with low-code tools, reusable rating logic, and centralized version control so pricing updates are repeatable, auditable and lower cost.
Enhance Pricing Strategies
Use what-if modeling and experimentation to simulate rate and underwriting scenarios before deployment, ensuring confident, data-backed decisions that improve margin and reduce adverse selection.
Insurers’ Go-to SaaS Rating System
750K
Quotes processed in a day
140+
Insurance products in production
45
Days to go live with pre-defined commercial products
Rating Features
Optimize product management with standardized tracking and tools. Ensure quality and consistency across development stages.
- Requirement gathering through product definition scripts.
- Task assignment automation and progress monitoring.
- Testing, approval progress, and documentation automation.
Accelerate product updates with low-code tools for swift, business-friendly configurations.
- Configurable by both business and IT.
- Single change point for reused definitions across systems.
- Supports across personal, commercial, and specialty lines.
- Real-time testing capabilities.
Assess the impact of changes beforehand with advanced modeling tools.
- Book of business and workflow impact modeling.
- Targeted modeling with watchpoints.
- Excel summary and real-time dashboards for results.
- Data point override for scenario exploration.
Enhance speed to market with structured product inheritance across business lines.
- Customizable inheritance structures.
- Multi-level inheritance flexibility.
- Full product definition inheritance.
- Visible inheritance structure and field usage.
Meet consumer demands with flexible and innovative insurance product designs.
- Wide support across commercial, personal, and specialty lines.
- Tax, fee, and surcharge calculations.
- Supports forms triggering rules.
- Integrates analytics and AI into rating algorithms.
Leverage preconfigured content for rapid product development and faster market entry.
- Support for ISO, AAIS, NCCI, and more.
- Circular updates for bureau-based commercial lines.
- Line of business kits for personal and specialty.
- Integrations with key rating data providers.
What Our Customers Say
“The rating engine was something that stood out for Duck Creek over the competitors that we looked at. And once we got into the decision process, we took it a step further and did a proof of concept with Duck Creek. And that really sold us.”
Eric Crockett
VP Information Technology
What Analysts Say About Duck Creek Rating
Duck Creek was one of only two named Luminaries in the report, which is our highest designation. Not only does the distinction celebrate the most advanced technology in the rating space, but it also recognizes the solutions with the most expansive functionality. Duck Creek’s solution ranked high in both categories.
Karlyn Carnahan, Head Of Insurance, Celent
Partner Ecosystem Integrations
Discover the comprehensive partner ecosystem that Duck Creek Insurance Rating System offers, featuring numerous integrations with technology providers specializing in different billing lifecycle use cases.
Frequently Asked Questions
Duck Creek is committed to providing the information you need to solve your insurtech needs. Find answers to common questions below or, if this information isn’t enough, fill out the form at the bottom of the page. Our team will respond with the answers you need.
How does the “Inheritance Model” accelerate the launch of multi-state or global products?
Duck Creek Rating’s Inheritance Model accelerates the launch of multi‑state and global products by allowing insurers to define pricing logic once and extend it across jurisdictions through controlled inheritance. Shared rating structures—such as coverage definitions, algorithms, and base factors—can be reused while local variations (state, country, or regulatory rules) are layered on without duplicating logic.
As part of an Intelligent Core designed for global insurance operations, this inheritance‑based approach reduces fragmentation, minimizes rework, and ensures consistency as products scale across markets. Insurers can launch faster, maintain compliance region by region, and evolve pricing strategies without creating parallel rating models that slow innovation.
How does “What-If” modeling help insurers maintain price adequacy?
What‑If modeling in Duck Creek Rating allows insurers to simulate pricing changes before they go live—testing the impact on premiums, loss ratios, and book‑of‑business performance without risking production results. Pricing teams can evaluate multiple scenarios, compare outcomes, and understand downstream effects across segments, lines of business, or geographies.
By embedding predictive analysis directly within the rating engine of an Intelligent Core, insurers can make more informed pricing decisions, maintain rate adequacy, and respond confidently to market shifts or regulatory change. This capability is especially valuable for insurers managing diverse portfolios across regions, where understanding localized impact is critical to long‑term profitability.
What makes a “low-code” rating engine a strategic advantage for P&C carriers?
A low‑code rating engine gives P&C carriers a strategic advantage by enabling faster pricing changes with less dependency on custom code or IT backlogs. In Duck Creek Rating, pricing rules, factors, and algorithms can be configured and adjusted through a centralized, low‑code environment—creating a single point of change that updates consistently across products and markets.
This low‑code configuration model improves business‑IT alignment by allowing pricing, actuarial, and product teams to collaborate more effectively, while IT maintains governance and control. As part of an Intelligent Core built for scalability, this approach supports continuous pricing evolution across regions and lines of business—without introducing technical debt or slowing time‑to‑market.
