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Quote it. Bind it. Done — in under five minutes.

INSTANT BIND IS LIVE

LU Rater puts a full panel of commercial carriers in one place. Compare real prices side by side, then bind and issue the policy yourself — no submission email, no waiting on an underwriter.

Get Appointed
Watch the 90-second demo
LU Rater

—  CARRIERS AVAILABLE ACROSS GL, PROPERTY, FLOOD, AND BUILDERS RISK

LU Rater Markets

LINES OF BUSINESS
​What you can place today

General Liability

Instant bind. Contractors, retail, hospitality, real estate, professional offices and hundreds more classes.

INSTANT BIND

Commercial Package 

Property and liability in one package, including vacant buildings.

Professional Liability

Protection against claims of negligence, errors, or omissions for consultants, advisors, technology providers, and service professionals.

Flood

Private flood insurance built for high-risk coastal regions, with pricing that competes with the NFIP.

Builders Risk

Ground-up, renovation and remodel projects, quoted in a guided six-step flow.

HOW IT WORKS
Three steps to a bound policy

Enter the risk.

Provide basic info like location, industry, and coverage needs.

Compare live prices.

Real quotes from multiple carriers side by side. No estimates, no ranges.

Bind and issue.

Select the quote, bind, and the policy documents are issued to you and your client immediately.

Risk outside instant-bind appetite? It routes straight to our brokerage team — same platform, same login, no re-keying.

INSTANT BIND
​
​From quote to issued policy without leaving the screen.

Most platforms give you an indication and then hand you back to email. LU Rater gives you a bindable price, takes payment, and issues the policy — while your client is still on the phone.

Intake, appetite matching and document generation run automatically in the background.

1,209

appointed agencies

17

carriers on the panel

8,210

quotes run

48

states

WHY AGENTS USE IT
​
Four fewer problems on
​your desk

Stop losing accounts to turnaround time.

Bind while the client is still deciding, not three days later.

Win the risks other platforms decline.

Niche and non-standard classes placed, not bounced.

One login, one appointment, one panel.

No juggling five carrier portals and five sets of credentials.

Transparent options build trust.

Show your client the real comparison and let them choose.

Extensive class codes

  • Hundreds of eligible classes across contracting, retail, hospitality, real estate, and professional services.
  • Appetite checked at entry, so you see only the carriers that will write the class.
  • New classes added as carriers open appetite — no re-appointment needed

Niche and hard-to-place risk

  • Vacant buildings and vacant land, quoted rather than declined.
  • Coastal and flood-exposed property with private market pricing.
  • Anything outside the instant-bind box goes to the brokerage desk in the same platform.

FAQ
Before you ask

Absolutely nothing; it's completely free! You keep 100% of your commissions and unlock a fantastic range of exclusive benefits with LU Rater. It's a total win-win!

Yes, absolutely. You earn your full commission on every quote bound through LU Rater. We don't take a cut.

We write in all U.S. states except Alaska (AK), Hawaii (HI), New Hampshire (NH), and Puerto Rico (PR).
*Licensing and state availability may differ depending on the market type (Admitted vs. Non-Admitted )

Fast and simple — we can typically get you appointed and quoting within [X hours/days]. Just complete the application and we'll handle the rest.

You're never stuck. If a risk doesn't fit our standard appetite, you can select from any of our carrier partners and send it directly to our underwriting team for a full market analysis and underwriting review. We'll always help you get it placed.

​​GET APPOINTED
Start quoting this week.

Six fields. We come back with your appointment login, and you can run your first quote the same day.

  • No cost to get appointed
  • No minimums
  • No volume commitment