Data we need
Read-only access to your book's asset-level identifiers and underwriting criteria (or a sample subset for the pilot). Every quote is tied to a specific verified module record — defensible on audit.
Keystone for insurers + MGAs · Callisto Bridge Price the policy off the verified signal.
Price the policy off the verified signal.
Not the class rate.
Strong industrialized modules quote at 89bps. Weak ones quote at 140bps. The difference isn't art — it's seismic class, KeyScore, and net-zero status, computed off the verified registry record. Tighter pricing, better risk selection, defensible underwriting.
What's different for you
Three things every carrier conversation opens with.
What stays with your partners
Licensed MGA partners bind on carrier paper. Reinsurance treaty placement stays with licensed reinsurance intermediaries. Keystone is the pricing engine underneath — never a carrier, never binds a policy.
What a pilot looks like
A 50-quote sample against a real modular book. See the premium spread between KeyScore tiers (KS-92 ≈ 89bps · KS-65 ≈ 140bps) before you write a line.
What's broken today
Modular construction is priced like generic commercial construction. One class rate. Same premium for a steel-frame seismic-class-A net-zero module as for an aging panelized unit with no QA record. The result: good risks are over-priced, bad risks are under-priced, and adverse selection runs the book.
What Keystone gives you
- Per-module risk record — seismic class, KeyScore, net-zero status, resilience class, audit trail
- Pricing API — submit module + coverage parameters, get rate_bps + premium + expected_loss_ratio + underwriting_margin
- Partner-MGA book stats live — policies in force, premium float, partner commission earned, blended rate, expected loss ratio (all from your licensed MGA's book)
- Defensible audit — every quote tied to a specific verified record, immutable
How the regulated work happens. Keystone is a pricing-engine infrastructure layer, not an MGA, surplus lines broker, or producer. Policies are bound by state-licensed MGA partners on carrier paper. Reinsurance treaty structures, when needed, are placed by licensed reinsurance intermediaries. See the partner-model architecture.
Who this is for
- Reinsurers — Swiss Re, Munich Re, Hannover Re — writing capacity on modular books
- MGAs writing modular construction lines on behalf of carrier capacity
- Captive insurers for large modular owner portfolios
- Parametric players writing resilience-tied parametric coverage
- Specialty carriers entering modular housing as a class
The economics
For the licensed MGA partner: MGA commission on every bound policy (the partner's regular MGA economics), plus underwriting margin from pricing discipline (premium − expected losses − commissions). Keystone receives either a per-policy SaaS subscription or a shared share of the partner MGA's commission for use of the pricing engine. Recurring per-policy revenue for both parties as the modular book grows.
The same KeyScore the lender priced the loan on becomes the same number the insurer prices the policy on. Both signals point at the same verified asset.
Next step
Quote a strong vs weak module side-by-side.
The sample workspace ships with three live policies. KeyScore-92 strong module: 89bps. KeyScore-65 weak module: 140bps. Same API, same math, opposite risk profile.