How QuoteSweep Works
The engineering behind quoting 70+ carriers in under 3 minutes.
We believe in building in the open. This page explains the architecture, security model, and intelligence layer that powers QuoteSweep — because you shouldn't have to trust a black box with your carrier credentials.
System Architecture
Your Browser
QuoteSweep Platform
Auth & Security Layer
Quote Engine
Appetite Engine
Credential Vault
(AES-256)
Job Dispatcher
Parallel Execution
Carrier Portal A
Browser Agent
Carrier Portal B
Browser Agent
Carrier Portal N
Browser Agent
- ▸Single-page application with real-time streaming for live quote progress
- ▸Stateless API layer with session-based auth and agency-level data isolation
- ▸Parallel job dispatcher with intelligent staggering across carrier portals
- ▸Encrypted credential vault — your carrier logins never leave our secure infrastructure
Anatomy of a Quote
What happens in the ~3 minutes between clicking "Quote" and seeing results from 70+ carriers.
Input Capture
You enter business details once — name, industry, state, revenue, employees, and coverage needs. Our ACORD XML import can also pre-fill this from existing applications.
0:00 — instant
Input Capture
You enter business details once — name, industry, state, revenue, employees, and coverage needs. Our ACORD XML import can also pre-fill this from existing applications.
0:00 — instant
Appetite Filtering
Before we spend time quoting, our appetite engine evaluates each carrier's eligibility rules — industry codes, state availability, business size requirements. Carriers that won't write the risk are filtered out automatically.
0:01 — < 1 second
Appetite Filtering
Before we spend time quoting, our appetite engine evaluates each carrier's eligibility rules — industry codes, state availability, business size requirements. Carriers that won't write the risk are filtered out automatically.
0:01 — < 1 second
Credential Decryption
For authenticated carrier portals, credentials are decrypted from our AES-256-GCM vault with per-credential initialization vectors. Credentials exist in memory only for the duration of the quote session.
0:02 — milliseconds
Credential Decryption
For authenticated carrier portals, credentials are decrypted from our AES-256-GCM vault with per-credential initialization vectors. Credentials exist in memory only for the duration of the quote session.
0:02 — milliseconds
Parallel Dispatch
AI browser agents launch simultaneously across all eligible carriers. Each agent navigates the carrier's portal independently — logging in, filling forms, and requesting quotes in parallel rather than sequentially.
0:03 — agents launch within seconds
Parallel Dispatch
AI browser agents launch simultaneously across all eligible carriers. Each agent navigates the carrier's portal independently — logging in, filling forms, and requesting quotes in parallel rather than sequentially.
0:03 — agents launch within seconds
Intelligent Form Filling
Each AI agent interprets the carrier's unique portal interface, maps your business data to their specific form fields, and navigates multi-step application workflows. If a portal requires MFA, our system handles TOTP codes automatically.
0:03–2:30 — all running simultaneously
Intelligent Form Filling
Each AI agent interprets the carrier's unique portal interface, maps your business data to their specific form fields, and navigates multi-step application workflows. If a portal requires MFA, our system handles TOTP codes automatically.
0:03–2:30 — all running simultaneously
Result Extraction & Error Handling
As each carrier returns a quote, the premium, coverage details, and quote number are extracted and streamed to your browser in real-time. Failed quotes are classified by error type — retriable errors are automatically retried with intelligent backoff.
1:00–3:00 — results stream as they complete
Result Extraction & Error Handling
As each carrier returns a quote, the premium, coverage details, and quote number are extracted and streamed to your browser in real-time. Failed quotes are classified by error type — retriable errors are automatically retried with intelligent backoff.
1:00–3:00 — results stream as they complete
Comparison & Decision
All quotes arrive in a unified comparison view — table, card, or cross-line matrix format. Select your recommended carriers and generate a branded PDF proposal in one click.
3:00+ — instant once quotes arrive
Comparison & Decision
All quotes arrive in a unified comparison view — table, card, or cross-line matrix format. Select your recommended carriers and generate a branded PDF proposal in one click.
3:00+ — instant once quotes arrive
Appetite Intelligence
How we know which carriers will write your risk — before we ask them.
Static Rules
Every carrier has published appetite guidelines — industries they write, states they operate in, business size requirements. We've cataloged these rules across our carrier network and evaluate them instantly.
Example: Cleaning Services (NAICS 5617) in Illinois
Real-Time Probing
For carriers where we lack rule data, lightweight eligibility probes check portal-side restrictions in seconds — without running a full quote.
Learned Patterns
Every quote outcome teaches us something. Over time, the system builds observed appetite patterns — if a carrier consistently declines certain industries or states, we learn to filter them automatically.
Quote outcome
accepted / declined
Observation logged
carrier, NAICS, state, result
Pattern emerges
>N outcomes
Rule generated
auto-filter for future quotes
Security Architecture
Your carrier credentials deserve enterprise-grade protection.
Credential Encryption
- ▸All carrier credentials are encrypted at rest using AES-256-GCM — the same encryption standard used by banks and government agencies
- ▸Each credential uses a unique, randomly generated initialization vector (IV), meaning identical passwords produce completely different encrypted outputs
- ▸Credentials are decrypted only in-memory, only for the duration of a quote session, and are never written to logs or temporary files
- ▸Encryption keys are stored separately from the database, in environment-level secrets that are never committed to source code
Authentication
- ▸Passwords are hashed with bcrypt (12 rounds) — a one-way hash that cannot be reversed
- ▸Sessions are signed with HMAC-SHA256 and validated with constant-time comparison to prevent timing attacks
- ▸Sessions expire after 7 days and are revocable at any time
- ▸HTTP-only, SameSite cookies prevent cross-site scripting and CSRF attacks
Data Isolation
- ▸Every database query is scoped to your agency — there is no way to access another agency's data, credentials, or quote history
- ▸Carrier credentials are never shared between agencies, even when quoting the same carriers
Network Security
- ▸All connections use TLS 1.3 encryption in transit
- ▸Geographic access controls block requests from sanctioned regions
Credential Lifecycle
Your Credentials
entered once
AES-256-GCM Encryption
unique IV per credential
Encrypted Storage
at rest
Quote Request
triggered by you
In-Memory Decrypt
ephemeral
Browser Agent
fills carrier forms
Carrier Portal
quote submitted
Memory Cleared
credentials purged
Coverage Across 8 Lines of Business
BOP
Business Owner's Policy
General liability + property in one package
WC
Workers' Compensation
Employee injury coverage with class code rating
GL
General Liability
Third-party bodily injury and property damage
Auto
Commercial Auto
Fleet vehicles, hired/non-owned auto
Umbrella
Umbrella/Excess
Additional liability above underlying policies
Cyber
Cyber Insurance
Data breach, ransomware, privacy liability
PL
Professional Liability
Errors & omissions for professional services
EPLI
Employment Practices
Wrongful termination, discrimination, harassment
QuoteSweep handles line-specific data requirements — class codes for WC, vehicle schedules for Auto, underlying policies for Umbrella — so each carrier gets precisely the information they need.
Speaks Your Language
Native support for ACORD forms and bulk data import.
ACORD XML Import
ACORD is the insurance industry's data exchange standard. QuoteSweep natively parses ACORD 125 (commercial application), 126 (general liability), 127 (commercial auto), and 130 (workers' compensation) forms. Upload an ACORD XML file and your quote form is pre-filled — no re-keying required.
CSV Client Import
Bulk-import your client database from any spreadsheet. Our auto-detection engine maps your column headers to standard fields, with preview and manual override before import.
Watch It Work
Real-time visibility into every quote as it happens.
Unlike batch-and-wait quoting tools, QuoteSweep streams results to your browser as they arrive. You can watch AI agents navigate carrier portals in real time, see progress updates as forms are filled, and review quotes as soon as each carrier responds — without waiting for the slowest carrier to finish.
Card View
Individual carrier status cards that flip from "Quoting..." to showing premium as results arrive.
Table View
Side-by-side premium comparison that builds in real-time as carriers respond.
Matrix View
Cross-line heatmap for multi-line quotes — see which carriers offer the best rates across BOP, WC, GL simultaneously.
25+ Carriers, Two Integration Models
No Credentials Required
Public carriers offer instant online quoting — no agent portal login required. These work out of the box with zero setup.
Agent Portal Access
For carriers that require agent portal credentials, QuoteSweep logs into your portal, navigates the quote workflow, and extracts results — just like you would manually, but across all carriers simultaneously.
Growing Network
Adding a new carrier to QuoteSweep takes hours, not the months required for API-based integrations. Any carrier with a web portal can be supported.
How We Build
“Ship, Then Polish”
We believe in tight iteration cycles. QuoteSweep is on build v16 — each version adds carriers, refines automation accuracy, and hardens the platform based on real quoting outcomes.
“Test Every Carrier”
Every carrier integration is tested against the actual portal — not mocked. We run end-to-end quote cycles through Playwright to catch portal changes before they affect users.
“Learn From Every Quote”
Every quote outcome feeds our observation pipeline. Declined quotes teach us carrier appetite. Errors teach us portal behavior. Successes validate our automation. The system gets smarter with every use.
“Security Is Not a Feature”
Credentials encrypted at rest with unique IVs. Sessions signed and validated on every request. Agency data strictly isolated. These aren't checkboxes — they're foundational architecture decisions.
See it for yourself.
The best way to understand QuoteSweep is to watch it work. Try your first 3 quotes free — no carrier credentials required to start with public carriers.