Every submission your underwriters open should be worth opening.

Yes, there are fees associated with joining and maintaining a presence on our platform, since we invest significant resources into the technology and infrastructure that support it. The exact structure depends on factors like your integration approach, expected volume, and specific capabilities. We walk through those details openly during the vetting process, so there are no surprises later on. That conversation is also a good opportunity to make sure the investment lines up with your goals before moving forward.

Not necessarily. While we’re a digital-first company, we’ve built several different pathways for partners to integrate with us, and full API integration is just one of those options. We work with carriers at varying levels of digital maturity, so if you’re not fully digital yet, that doesn’t rule you out. In those cases, we can talk through how Bold Penguin can help tech-enable your products.

Yes, this is something we tailor to each partner, since every carrier’s book of business and priorities are different. We’d hold a working session to walk through your capabilities and understand how you want appetite and routing decisions made. From there, we figure out together who owns and maintains those rules going forward, whether that’s your team, ours, or a shared setup. That collaborative step matters because it keeps the rules accurate as your appetite shifts over time.

The approach depends on what your current tech stack looks like, so we start with a dedicated technical discovery conversation. Full API and MCP are the most robust paths, but aren’t your only options. We’ve built several pathways for partners at different levels of digital maturity, so if you’re not fully digital yet, that doesn’t rule you out. In those cases, we can talk through how Bold Penguin can help tech-enable your products.