Carrier · Wave 84
Carrier SLA scorecard
Demo responsiveness metrics — quote turnaround, bind time, endorsement lag, and NPS-ish trust — ranked into a simple composite so agents and carriers can compare illustrative service quality by line.
Carriers ranked
10
Top rank
Lemonade
Avg composite
37.5
Fastest quote
24m
Filter by line
Optional line filter
Ranked responsiveness
Quote · bind · endorsement · trust composite (30/25/20/25)
| Rank | Carrier | Quote | Bind | Endorsement | Trust | Score |
|---|---|---|---|---|---|---|
| 1 | Lemonade Select states · Renters, Home, Pet | 24m | 2h | 12h | 6.9 /10 | 83.9 |
| 2 | GEICO National · Auto, Renters, Umbrella | 48m | 8h | 1.2d | 7.4 /10 | 71.2 |
| 3 | Progressive National · Auto, Home, Renters, Umbrella | 1.5h | 12h | 1.8d | 7.9 /10 | 59.2 |
| 4 | Travelers National · Home, Auto, Umbrella, Business, BOP | 3.2h | 18h | 2.1d | 8.4 /10 | 39.2 |
| 5 | Chubb National · high-net-worth · Home, Auto, Umbrella, Cyber | 8h | 2d | 2.8d | 9.1 /10 | 24.2 |
| 6 | State Farm National · Auto, Home, Life, Renters, Umbrella | 5.5h | 1.5d | 4.2d | 8.1 /10 | 20.3 |
| 7 | The Hartford National · commercial · Business, BOP, Auto, Home | 7.5h | 2.2d | 4.8d | 8.0 /10 | 20.0 |
| 8 | Nationwide National · Auto, Home, Pet, Business, Umbrella | 6.2h | 1.7d | 5d | 7.8 /10 | 19.5 |
| 9 | Allstate National · Auto, Home, Life, Umbrella | 4.8h | 1.2d | 3.5d | 7.6 /10 | 19.0 |
| 10 | Liberty Mutual National · Auto, Home, Umbrella, Flood | 5h | 1.3d | 3.8d | 7.2 /10 | 18.0 |
SAMPLE carrier SLA breach · 4 thresholds · Wave 538
SAMPLE deepen — soft · hard · critical · escalate breach-threshold ladder on /carriers/sla.
Wave 538 · breach-threshold / watch ladder on /carriers/sla (≠ carrierSlaDeepen).
Breach rungs
4
≠ board ranks
Slowest quote
5h
demo ranked board
Wave
538
≠ carrierSlaDeepen
- Rung 1soft24hSoft breach · SAMPLE
Quote turnaround drifts past demo soft threshold — watch list.
- Rung 2hard48hHard breach · SAMPLE
Turnaround past hard gate — SAMPLE callout for carrier ops.
- Rung 3critical72hCritical breach · SAMPLE
Bind / endorsement lag compounds — escalate stub only.
- Rung 4escalate96hEscalate · SAMPLE
Founder / partner escalate stub — not a live paging channel.
SAMPLE carrier SLA breach deepen — breach-threshold / watch ladder on /carriers/sla. Distinct from carrierSlaDeepen board ranks and carrierSlaTrendsDeepen. Not filed carrier SLAs, appointment scores, or AM Best signals.
SAMPLE SLA deepen · Lemonade leads
SAMPLE deepen — composite board · top responders · watch list.
10 carriers · avg composite 37.5 · top “Lemonade”.
Top responders · SAMPLE
- #1 Lemonade · 83.9 · 24m
- #2 GEICO · 71.2 · 48m
- #3 Progressive · 59.2 · 1.5h
Watch list · SAMPLE
- #10 Liberty Mutual · 18.0
- #9 Allstate · 19.0
- Board avg 37.5 · SAMPLE10 carriers ranked · fastest quote 24m.
- Lemonade leads · SAMPLERank #1 · composite 83.9 · quote 24m.
- Liberty Mutual on watch · SAMPLERank #10 · composite 18.0 — review quote turnaround.
SAMPLE carrier SLA deepen — board summary, top/bottom ranks, and responsiveness callouts on /carriers/sla. Not filed carrier SLAs, appointment scores, or AM Best signals. Educational demo scorecard. Metrics are seeded illustrations for product storytelling — not measured production SLAs, not underwriting appetite, and not insurance advice.
SAMPLE SLA trends · 10 carriers · avg 37.5
SAMPLE deepen — quote · bind · endorsement velocity ladder on /carriers/sla.
Wave 503 · velocity ladder on /carriers/sla (≠ carrierSlaDeepen). Quote 4.3h · bind 1.1d.
Carriers
10
trend board
Avg composite
37.5
≠ deepen ranks
Avg quote hrs
4.3h
median SAMPLE
Fastest quote
24m
board floor
- Quote turnaround · improving (up)
- Bind time · improving (up)
- Endorsement lag · improving (up)
- Board composite · soft (down)
SAMPLE carrier SLA trends deepen — illustrative trend ladder and velocity chips on /carriers/sla. Distinct from carrierSlaDeepen board / top responders. Not filed carrier SLAs, appointment scores, or AM Best signals.
SAMPLE carrier SLA ladder deepen · 5 rungs · Wave 624
SAMPLE deepen — targets · timers · breach · trends · digest ladder on /carriers/sla.
Wave 624 · carrier SLA ladder deepen on /carriers/sla (≠ carrierSlaDeepen / carrierSlaBreachDeepen / carrierSlaTrendsDeepen).
Rungs
5
≠ SLA deepen board
Kinds
5
Ladder variety
Wave
624
Toward v28.00
- Rung 1targetsTargets · SAMPLE
SAMPLE SLA targets ladder stub.
- Rung 2timersTimers · SAMPLE
SAMPLE reply timer ladder stub.
- Rung 3breachBreach · SAMPLE
SAMPLE breach ladder stub.
- Rung 4trendsTrends · SAMPLE
SAMPLE trends ladder stub.
- Rung 5digestDigest · SAMPLE
SAMPLE digest bridge stub.
SAMPLE carrier SLA ladder deepen — ladder on /carriers/sla. Distinct from carrierSlaDeepen / carrierSlaBreachDeepen / carrierSlaTrendsDeepen. Not live payments, production CRM, claims filing, or licensed advice.
SAMPLE Carriers SLA hub ladder deepen · 5 rungs · Wave 764
SAMPLE deepen — hub · trends · breach · digests · deeper ladder on /carriers/sla.
Wave 764 · Carriers SLA hub ladder deepen on /carriers/sla (≠ carrierSlaLadderDeepen).
Rungs
5
≠ carrierSlaLadderDeepen
Kinds
5
Ladder variety
Wave
764
Post-v34.50 deepen
- Rung 1hubHub · SAMPLE
SAMPLE hub ladder stub.
- Rung 2trendsTrends · SAMPLE
SAMPLE trends ladder stub.
- Rung 3breachBreach · SAMPLE
SAMPLE breach ladder stub.
- Rung 4digestsDigests · SAMPLE
SAMPLE digests ladder stub.
- Rung 5deeperDeeper · SAMPLE
SAMPLE deeper ladder stub.
SAMPLE Carriers SLA hub ladder deepen — ladder on /carriers/sla. Distinct from related packs (carrierSlaLadderDeepen). Not live payments, production CRM, claims filing, or licensed advice.
SAMPLE SLA digest · top Lemonade · 10 carriers
SAMPLE would-send — weekly carrier SLA digest preview (copy or log locally).
Would-send preview for 10 SAMPLE carrier(s) — avg composite 37.5. Parity never sends email.
To · carrier-ops@parity.demo
[SAMPLE] Carrier SLA digest · 10 carriers
Hi carrier ops — Here is your SAMPLE weekly carrier SLA digest. #1 Lemonade: composite 83.9 · quote 24m · bind 2h · endorse 12h · trust 6.9/10 [SAMPLE] #2 GEICO: composite 71.2 · quote 48m · bind 8h · endorse 1.2d · trust 7.4/10 [SAMPLE] #3 Progressive: composite 59.2 · quote 1.5h · bind 12h · endorse 1.8d · trust 7.9/10 [SAMPLE] #4 Travelers: composite 39.2 · quote 3.2h · bind 18h · endorse 2.1d · trust 8.4/10 [SAMPLE] #5 Chubb: composite 24.2 · quote 8h · bind 2d · endorse 2.8d · trust 9.1/10 [SAMPLE] #6 State Farm: composite 20.3 · quote 5.5h · bind 1.5d · endorse 4.2d · trust 8.1/10 [SAMPLE] #7 The Hartford: composite 20.0 · quote 7.5h · bind 2.2d · endorse 4.8d · trust 8.0/10 [SAMPLE] #8 Nationwide: composite 19.5 · quote 6.2h · bind 1.7d · endorse 5d · trust 7.8/10 [SAMPLE] #9 Allstate: composite 19.0 · quote 4.8h · bind 1.2d · endorse 3.5d · trust 7.6/10 [SAMPLE] #10 Liberty Mutual: composite 18.0 · quote 5h · bind 1.3d · endorse 3.8d · trust 7.2/10 [SAMPLE] Board: /carriers/sla SAMPLE carrier SLA email digest — would-send preview assembled from demo SLA scorecard stubs. Not a live ESP send, carrier SLA notice, or audited ops email. Parity never sends email. Educational demo scorecard. Metrics are seeded illustrations for product storytelling — not measured production SLAs, not underwriting appetite, and not insurance advice.
SAMPLE carrier SLA email digest — would-send preview assembled from demo SLA scorecard stubs. Not a live ESP send, carrier SLA notice, or audited ops email. Parity never sends email.
Methodology
How carrier responsiveness is scored
- Quote score = clamp(1 − medianQuoteHours ÷ 4, 0, 1) — faster quote turnaround wins.
- Bind score = clamp(1 − medianBindHours ÷ 24, 0, 1) — shorter quote→bind wins.
- Endorsement score = clamp(1 − medianEndorsementDays ÷ 3, 0, 1) — quicker mid-term changes win.
- Trust score = NPS-ish pulse ÷ 10 (0–10 demo scale; not a live NPS survey).
- Composite = 30% quote + 25% bind + 20% endorsement + 25% trust, scaled 0–100.
- Illustrative demo seed only — not filed carrier SLAs, appointment scores, or AM Best signals.
Educational demo scorecard. Metrics are seeded illustrations for product storytelling — not measured production SLAs, not underwriting appetite, and not insurance advice.