Business rules for rating and underwriting pose a consistent challenge to commercial insurance organizations. As underwriters, actuaries, and other business users request changes to the rating and underwriting logic that powers the business, IT teams often require weeks to code, test, approve, and push them out to the appropriate applications. This costs the business not just revenue, but time as well. It’s not the IT team’s fault; an investment of time is one of the costs of hard-coded business logic.