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Carrier intelligence for independent agents

One risk. The market, answered.

Risker reads carrier appetite for you — and shows its work. A clearer, explainable place to start.

Start with one riskSee the evidence
Papercraft hero standing beside a ranked column of carrier cards

The Confidence system

Every score shows its work.

Risker ranks the carriers that fit the risk in front of you, and attaches the evidence to every score — which rules matched, what a carrier flagged, and what was never asked.

Roofing contractor · Phoenix, AZ · $2M GLIllustration
  1. 1Meridian SpecialtyStrong appetite94
  2. 2Hartwell CommercialStrong appetite88
  3. 3Summit NationalMarginal appetite81
  4. 4Cascade MutualMarginal appetite74
  5. 5Ironwood CasualtyMarginal appetite66
  6. 6Bellhaven MutualMarginal appetite58

Carriers that miss a hard rule are hidden, not argued with.

Meridian Specialty · 94 — Strong appetiteIllustration
  • SNAPSHOTgeneral liability · AZ · 8f3c1a9d
  • Industry classmatched · weight 3
  • State licensedmatched · weight 2
  • Coverage amountmatched · weight 2
  • CARRIER NOTE“with approval only”
  • Years in businessunanswered — not scored
  • MODELdeterministic-v1
  • DECIDED2026-08-10 14:02 UTC
replay: REPRODUCED

How it works

The chase, replaced.

  1. 1

    Describe the risk once

    State, product, and the facts you already collect. Auto, home, and manufactured home are first-class.

  2. 2

    Risker reads the market

    Carrier appetite rules are checked against the risk — hard rules hide a carrier, soft rules move its score.

  3. 3

    Start with the best fit

    A ranked list with the reasons attached, so the first call you make is the one most likely to say yes.

Live first in Arizona — auto, home, and manufactured home. New states onboarding.

Start clearer.

Bring one risk. Leave with a ranked market and the evidence behind it.

Start with one riskSign in