Recurring platform fee
A flat recurring subscription, shaped by the platform capabilities and modules, products, and integrations included in your agreed scope.
Flat platform fees.
Predictable, shaped by the capabilities, products, and integrations you agree to use. Never a percentage of premium.
GWP is not MGA revenue.
Premium may be the headline number, but it is not the income an MGA keeps. Capacity providers receive the premium economics. The MGA retains a commission and fee share for the underwriting, distribution, and service it provides.
A GWP-linked software bill takes a slice of money passing through the business, rather than income the MGA retains. InsureOS is priced around the platform scope we agree together instead.
Clear before the work begins.
Scoped implementation
One-off implementation work is scoped separately before work starts: product and rating configuration, migration and onboarding, the branded quote journey, and required integrations.
Expansion by scope
If the agreed capability, product, or integration scope changes, we review the recurring fee with you. It does not rise automatically when written premium grows.
Your scope is the starting point.
We define the operational shape of the platform with you, then make the commercial structure match it.
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Capabilities and modules
The quote, rating, payment, renewal, and operational capabilities that form your platform.
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Products
The insurance products and rating logic the platform needs to support from launch and as the agreed scope develops.
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Integrations
The systems that need to be connected to the quote and policy journey, including any implementation work required to make them fit.
What it never follows
No percentage of GWP. No take-rate on premium. No per-policy charge.
Explore the platform scope
The commercial conversation starts with what you need the platform to do and the systems it needs to work with.
Pricing questions
The commercial structure is straightforward. These are the questions we hear most often from MGA teams.
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Is InsureOS priced as a percentage of GWP?
No. InsureOS does not charge a percentage of gross written premium, a take-rate on premium, or a per-policy charge. The recurring platform fee follows the capabilities, products, and integrations in the agreed scope.
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What shapes the recurring platform fee?
The recurring fee is a flat subscription shaped by the platform capabilities and modules you need, the products you operate, and the integrations included in the agreed scope. It is designed to be clear before work starts.
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How is implementation handled?
Implementation is scoped separately before work starts. That scope covers the work needed for your product and rating configuration, migration and onboarding, branded quote journey, and required integrations.
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What happens when our platform scope expands?
When the agreed capability, product, or integration scope changes, the recurring fee is reviewed with you. It does not change automatically because written premium grows.
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Why does GWP-based pricing not fit MGA economics?
Gross written premium is not an MGA’s revenue. Capacity providers receive the premium economics, while an MGA retains a commission and fee share. A GWP-linked software bill charges against money moving through the business rather than income the MGA keeps.