Cloud-native deployment Delivered as a modern cloud or SaaS product rather than only hosted legacy software. | Native Cloud-native deployment: positioned as native or first‑class on earnix.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Native Cloud-native deployment: positioned as native or first‑class on lemonade.com. Market‑map placeholder only—treat support level as unverified until researched. |
API-first integration Provides documented APIs suitable for carrier or insurtech engineering teams. | Native API-first integration: positioned as native or first‑class on earnix.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Partial API-first integration: often partial, partner‑mediated, or LOB‑specific—confirm on lemonade.com. Market‑map placeholder only—treat support level as unverified until researched. |
Commercial lines depth Has meaningful commercial P&C capabilities beyond personal lines. | Partial Commercial lines depth: often partial, partner‑mediated, or LOB‑specific—confirm on earnix.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Native Commercial lines depth: positioned as native or first‑class on lemonade.com. Market‑map placeholder only—treat support level as unverified until researched. |
Bureau, loss cost, and filing alignment Bureau feeds, loss costs, company exceptions, and filing-grade change control for rate and rule updates. | Unsupported Bureau, loss cost, and filing alignment: not positioned as core on earnix.com for typical P&C paths, or unknown—verify. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Partial Bureau, loss cost, and filing alignment: often partial, partner‑mediated, or LOB‑specific—confirm on lemonade.com. Market‑map placeholder only—treat support level as unverified until researched. |
Rules testing and deployment pipeline Peer review, simulation, diffing, and safe deployment for rate and rule changes across environments. | Unsupported Rules testing and deployment pipeline: not positioned as core on earnix.com for typical P&C paths, or unknown—verify. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Native Rules testing and deployment pipeline: positioned as native or first‑class on lemonade.com. Market‑map placeholder only—treat support level as unverified until researched. |
Rating latency and partner API load Latency under peak API quoting, batch rerate windows, and partner concurrency limits. | Unsupported Rating latency and partner API load: not positioned as core on earnix.com for typical P&C paths, or unknown—verify. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Partial Rating latency and partner API load: often partial, partner‑mediated, or LOB‑specific—confirm on lemonade.com. Market‑map placeholder only—treat support level as unverified until researched. |
Machine learning pricing overlays Governance for ML overlays on classical rating: approvals, explainability, and rollback. | Partial Machine learning pricing overlays: often partial, partner‑mediated, or LOB‑specific—confirm on earnix.com. Curated seed aligned to vendor documentation; re‑validate before RFP reliance. | Unsupported Machine learning pricing overlays: not positioned as core on lemonade.com for typical P&C paths, or unknown—verify. Market‑map placeholder only—treat support level as unverified until researched. |