How an Insurance Company Deploys New Programs to both Their Internal Underwriters and Customer Agents on the Web in a Matter of Days

“The Pagos product transforms the everyday excel spreadsheet we all know how to use into a service-oriented, enterprise-grade rating and forms engine. It used to take us months to develop and deploy new programs. Now in a matter of days, we can deploy new programs to both our internal underwriters and our customer agents on the web.”

West McAdams, COO of Southern Risk LLC


– A Medium-Sized MGA with written premiums in excess of $100 Million
– Serving 1,300 Brokers in 13 States
– Large variety of Coverage Programs including Marine Insurance and High Value Homeowners Coverage

Business Challenge

– A flexible rating system was needed to create various coverage models
– Many different structures for surcharges and discounts
– Having a single interface to maintain the workflow easily and smoothly


– SpreadsheetWEB, providing a platform to create and maintain the insurance models
– Web-services utilization allowing integration with third party applications
– Separated rating logic and user interface leading to an optimized performance
– Ease to accommodate changes in the calculation logic or the user interface


– Southern Risk was able to unite their rating algorithm under single user interface despite its complexity
– Time spent on modifying existing rating logics as well as creating new ones cut down significantly
– Added benefit of running tests in batches with the centralized and online nature of SpreadsheetWEB