Policy, Billing and Claims on one modern core for MGAs and carriers.
AI-accelerated platform configuration drafts each product from the rate manual you already filed. Your product team reviews and approves it. Your underwriters, service teams and adjusters then work every policy and claim with the full context in one place.
Bring risk details, available history, evidence, conditions and authority into the same underwriting workspace.
Start with the module you need most. Each one works from the same policy record.
Songhai Core drafts the product and its rating from your filed rate manual. Your product team reviews, tests and approves every rate and rule in the Workbench, then releases a sealed, versioned product.
PRODUCT CONFIGURATION & RATINGEligibility and underwriting rules, referrals that arrive with their evidence, and authority limits you set for each person and program. Quote, bind and issue, with documents from the transaction that produced the policy.
UNDERWRITING & ISSUANCEEndorse, cancel, reinstate, rescind, renew and rewrite from the policy page. Premium, notices and billing follow each change, including backdated and out-of-sequence changes.
POLICY SERVICINGInvoices, payment plans, dunning, refunds, commissions and a premium-trust ledger. Insureds pay and renew through their own portal.
BILLING & DIGITAL SERVICEFirst notice of loss, coverage on the loss date, reserves within a claims authority ladder, payments and closure, in-house or through a TPA. Available 30 October 2026.
CLAIMSYour fronting carrier’s policy numbers, separate underwriting and claims authority, TPA claims, and a dated producer and agency history.
MGA OPERATIONSA hash-chained record of every rule decision, override and piece of evidence. Examine how a premium was calculated, why a transaction stopped and how an exception was resolved.
GOVERNANCE & DECISION RECORDSOne Inbox, tasks, notes, documents and shared queues for underwriting, service, billing and claims.
SHARED WORKSPACESonghai Core never quotes, binds or pays a claim on its own. Your product team approves every product, underwriters resolve every referral, and adjusters own every claim.
Create quote alternatives with different coverage and premium bases. Compare them, retain their history and identify the option selected for binding.
Resolve effective-date conflicts when endorsements arrive after later transactions. Keep policy, premium and document outcomes aligned across the affected changes.
Billing and claims post to a premium-trust ledger as the work happens, so finance sees the money as operations move it.
Songhai Core drafts the product from your filed manual, so your team starts from a reviewed draft instead of a blank template.
Launch in weeks is the objective for a well-scoped program. Product complexity, integrations and data migration determine the delivery plan.
Let’s discuss your programExplore Commercial Auto and Commercial Property from the rate manual onward. Examine the rating, follow each decision, and see the policy, the bill and the claim.
Become a Songhai Core design partner.
We are selecting a small number of MGAs and carriers to go live first. Design partners work directly with the founder and the delivery team, receive design-partner pricing, and shape the roadmap for their lines and states.
Discuss design partnershipSee the platform in action or explore a design partnership. Tell us about your business and the program you want to move forward.
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