Reconciled bordereaux
Expected, settled and allocated premium across the network, with every exception owned and reproducible at close.
Underwriters & systems partners
See every book you carry, reconciled.
For underwriters, UMAs and cell structures who need network visibility, clean bordereaux and source-confirmed evidence across a panel of brokers and administrators.
Source-confirmed, not guessed
Cover reaches a confirming grade only on your API, a signed acknowledgement or a reconciled bordereaux — never a payment receipt.
A developer platform
An API gateway, OpenAPI and sandbox so a systems partner integrates against a stable, documented contract.
What stays yours
The boundary is explicit.
Pactessa carries no insurance risk and makes no regulatory determination. It is the control and evidence layer between your book and the brokers who feed it — the authority to accept, reject or price stays entirely yours, with Pactessa recording the result against each row.
Next step
Start with three books.
A paid diagnostic measures your close today; a three-book pilot proves the improvement on real data before any wider rollout.