The Irys Platform
Six purpose-built modules for commercial-lines policy administration — Rating Engine, Policy Ledger, ACORD Forms Library, Reinsurance Module, Claims FNOL, and Reporting — sharing a single ISO-classified policy record so data entered at quoting flows through to FNOL and bordereau without re-entry.
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Six modules. One policy data model.
Each module handles a distinct operational domain. All share the same ISO-classified policy record, so data entered at quoting is available at FNOL without re-entry.
ISO class-code-based schedule rating, manual rate table management, commercial auto and GL pricing, and premium calculation with full audit trail.
Authoritative policy record from inception through renewal. Endorsement history, coverage parts, limits, deductibles, and multi-year policy continuity.
Pre-built ACORD 125, 126, 131, and 140 form generation. Structured intake parsing reduces manual re-keying at submission triage.
Treaty binding, cession calculation at policy bind, XOL and quota-share support, bordereau export (Lloyd's and NAIC format), and treaty limit monitoring.
Digital and phone first notice of loss intake. Adjuster assignment workflow, coverage verification against bound policy, and reserve setting.
Carrier performance dashboard, loss ratio by LOB, premium written vs. ceded, FNOL velocity, and custom report export for management and regulator reporting.
ISO LOB classification at the core.
Every policy in Irys is classified against the ISO line-of-business hierarchy — commercial auto, general liability, commercial property, inland marine, and fire. The ISO class code drives rating, reinsurance treaty eligibility, NAIC reporting, and ACORD form selection automatically.
Pre-built connections to the data sources carriers depend on.
Irys connects to ACORD form parsers, ISO rating data feeds, Lloyd's bordereau format standards, and NAIC filing requirements out of the box. No custom integration project required for standard commercial-lines data flows.
Platform specifications for carrier IT and operations teams.
| Attribute | Specification |
|---|---|
| API Architecture | REST (JSON). OpenAPI 3.1 schema documented. |
| Hosting Model | Multi-tenant cloud. Single-tenant available on Regional tier. |
| Authentication | OAuth 2.0 / OIDC. Role-based access control per carrier. |
| Audit Log | Immutable event log. Every policy change, claim action, and cession recorded with timestamp and user. |
| Data Residency | US-only data residency standard. State-level isolation available. |
| Uptime SLA | 99.5% monthly uptime SLA on Carrier and Regional tiers. |
| Support | Business-hours support standard. Priority support on Regional tier. |