AppetiteMap builds digital delivery systems and workflow technology for licensed insurance companies, licensed brokers, and licensed agents. Our platform maps a structured commercial risk against authorized carrier and MGA appetite guidelines, returning a transparent fit result with full source provenance for every match. No black boxes. No invented outcomes. Just evidence you can defend.
Sample/demo mode. Public demonstrations use fictional, visibly-labeled data. No authorized real carrier or MGA guideline package is active yet. Results are illustrative and never a bindable quote or underwriting approval.
Technology platform only — we do not recommend or sell insurance. AppetiteMap builds digital delivery systems and workflow technology for licensed insurance companies, licensed brokers, and licensed agents. We do not offer, recommend, quote, sell, solicit, negotiate, place, underwrite, bind, issue, service, cancel, adjust, or settle insurance, and we do not collect insurance premium. Insurance products, decisions, and transactions are controlled solely by the licensed organization using the platform.
The Workflow
From authorized source evidence to a reviewed, explainable result and a governed draft handoff — every step preserves its evidence.
Authorized carrier and MGA guideline sources enter with explicit version, effective and retrieval dates, reviewer, jurisdiction, and line scope. Stale or unreviewed material cannot quietly influence a result.
A structured commercial-risk intake captures business description, NAICS, state, exposure types, revenue, payroll, and coverage need — the exact inputs the engine evaluates against each governed source.
A deterministic rules engine evaluates geography, line, class, revenue, and payroll. It returns exactly one of four outcomes — Preferred, Possible, Restricted, or Refer — with the decisive rule and plain-language rationale.
Every result carries a mandatory human-review notice. The system does not quote, bind, determine coverage, or replace underwriting judgment. A qualified professional must verify current authority before relying on a result.
Reviewed results become governed draft submissions with preserved rationale, source provenance, and an immutable audit trail. Delivery is deliberate — never automatic — until a destination contract is authorized.
The Outcomes
Every match returns one of four outcomes with the decisive rule, plain-language rationale, source version, dates, and review state attached.
The risk falls squarely within the carrier's published appetite. Class, geography, revenue, and payroll all clear the guideline.
The risk is within scope but one or more conditions require clarification or a restriction applies. Worth a conversation.
The carrier has explicit limitations — a class exclusion, geography cap, or revenue ceiling — that narrow what they will write.
The risk is outside this carrier's appetite, the source is stale, or the guideline is out of scope. Route elsewhere.
What AppetiteMap does not do: it does not quote, bind, determine coverage, replace underwriting judgment, or promise carrier acceptance. Every result requires a qualified insurance professional to verify current authority before use.
The Evidence
A match is not a label — it is a defensible record. Each result preserves the source reference, version, effective and retrieval dates, reviewer, review state, and the decisive rule that produced it. An immutable audit trail records who did what and when.
Source provenance
Reference, version, dates, reviewer, and review state on every match.
Immutable audit trail
Source ingestion, searches, matches, reviews, and handoffs — all recorded.
Human authority
Mandatory review. No automatic quoting, binding, or carrier delivery.
Meridian Specialty — TX Roofing
Class 238220 within accepted classes. TX in active jurisdiction. Revenue $1.2M within $500K–$5M band.
Source
Meridian UW Guide
Version
v2.1
Effective
2026-03-01
Review
Reviewed — Active
Sample/demo data — illustrative only. Confirm current appetite directly with the market.
Enter a structured risk profile and run the appetite match. Review the fit, the rationale, and the source provenance — then decide your next move.